Ulster Bank Student MasterCard is only available to persons aged 18 and over. Lending criteria, terms and conditions apply.

Cash advances subject to a handling fee of 3% subject to a minimum charge of £3.00, and can only be withdrawn from an ATM displaying the MasterCard symbol, subject to maximum daily cash advance limit of £300 or the advance limit available on your card, whichever is the lesser.

Foreign currency transactions are subject to an administration levy equivalent to 2.75% of the transaction value.

Approval for a balance transfer is only available once the credit card application has been accepted. The amount of the balance transfer(s) that we process will depend on the allocated credit limit. Should your credit limit be insufficient to process all transfer requests, we will action them according to the order in which you have provided them to us.

You can only transfer balances from non-Royal Bank of Scotland Group companies' credit or store cards. Ulster Bank is not responsible if a credit or store card provider will not accept payment. We cannot accept responsibility for interest charged by other credit card providers. We can refuse to accept any balance transfer request.

Rates and information correct on 21 May 2012 but subject to change.