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FAQs - Limits, rates and Charges

Limits, rates and Charges


Do I get charged for using an ATM? Where can I find information on charges?

The table below list all charges for using your debit card;

Transaction Type
Inside the Eurozone
Charge *ERTF Fee

Cash Withdrawal:

  • At an ATM
  • In any Ulster Bank, RBS Group, NatWest Branch
  • Using you card in any other banks, travel agents, bureau de change or other outlets displaying the Visa Logo
  • Foreign currency withdrawal from a cash machine


No Charge**


No Charge



No Charge



2% of transaction amount. (min €3, max €12)


No Charge


No Charge



No Charge



1.5% of transaction amount
Point of sale transaction No charge No Charge
Purchasing foreign currency or travellers cheques using your debit card: ***
  • In any Ulster Bank, RBS Group, NatWest Branch
  • Using you card in any other banks, travel agents, bureau de change or other outlets displaying the Visa Logo



No Charge, however standard branch charges will apply



No Charge, however standard branch commission rates will apply.

*Exchange Rate Transaction Fee
**We will not charge you for using your card to withdraw Euro at an ATM inside the Eurozone but other companies may charge a fee. You will be advised on screen about any charges before you withdraw cash.
***Travellers cheques are not available from Ulster Bank Branches


The below table outlines the Debit card charges Abroad

Transaction Type (Outside the Eurozone) Charge *ERTF Fee
Cash Withdrawal which is not at a Royal Bank of Scotland, NatWest or Ulster Bank cash machine** 2% of transaction amount. (min €3, max €12) 1.5% of transaction amount
Purchasing foreign currency or travellers cheques using your debit card: 1% of transaction amount. (min €0.25, max €6) 1% of transaction amount, (min 0.25, max 6)
Purchases (point of sale transaction) 1% of transaction amount. (min €0.25, max €6) 1% of transaction amount, (min 0.25, max 6)
Cash Withdrawal from any Ulster Bank, RBS or NatWest Cash Machine in the UK No Charge No Charge***

*Exchange Rate Transaction Fee
** Local banks may charge a fee
***Transaction is converted to Euro at a Rate determined by Ulster Bank


What is the Stamp Duty for Debit cards?

Government Duty on debitCARD
ATM use only - €2.50 Point of Sale use only -€2.50
Use of both POS and ATM - €5.

Government Duty payable on serviceCARDs.
ATM use only - €2.50 Point of Sale use only -€2.50
Use of both POS and ATM - €5.

Government Duty payable on cashCARDs
€2.50 per annum


Why are retailers charging me for using my debit card?

Retailers are permitted to add a charge for accepting any form of payment they feel adds to the cost of doing business. Laws, introduced in 2010 to support the European Payment Services Directive, allow them to do so. The retailer should advise you of the charge when accepting your card so that you can choose an alternative means of payment. By completing the purchase you accept the charge. If you disagree with the charge you should tell the retailer.


Is there a limit on card transactions?

To protect you from fraud we may apply a limit to the value or number of transactions you may undertake using your card over a period of time. These limits will vary depending on the location and the nature of, or pattern to the transactions. If this happens to you please call us on;

0044 131 339 7609


How much can I lift at an ATM?

The amount you can withdraw from an ATM is linked to the account type you have. If your account has a daily limit of €500, and one card on the account is used to withdraw €400, the remaining amount that can be withdrawn on any card attached to the account is €100. If you are unsure of the withdrawal limit on your account, contact your branch or refer to details in the Helpful guides on the Debit Card pages

Need to get in touch?

Emergency Numbers