You will have received communications from the Bank advising that your account would become non-operational on/after a date specific to you. If this date has passed, your bank account is no longer operational, and you cannot make any payments using your debit card.   If you require more time to complete the closure of you Ulster Bank account, please contact 1800 818 375 or +353 1531 7171 Monday – Friday 9am to 5pm.

You will have received communications from the Bank advising that your account would become non-operational on/after a date specific to you. If this date has passed, your bank account is no longer operational, and you cannot make any payments using your debit card.  Any payments you try to make out of your account will be declined. You will have to make these payments via another method. If you require more time to complete the closure of you Ulster Bank account, please contact 1800 818 375 or +353 1531 7171 Monday – Friday 9am to 5pm. 

If you require more time to complete the closure of you Ulster Bank account, please contact 1800 818 375 or +353 1531 7171 Monday – Friday 9am to 5pm.

You will have received communications from the Bank advising that your account would become non-operational on/after a date specific to you. If this date has passed, your bank account is no longer operational,  any payments made to this account will usually be rejected and returned to the sender.  This can take 5 – 10 working days to go back into the sender’s bank account. You will need to contact the sender of the funds and advise them that the payment would have been rejected and they would need to organise to pay the funds to another account.  If you require more time to complete the closure of you Ulster Bank account, please contact 1800 818 375 or +353 1531 7171 Monday – Friday 9am to 5pm.

If you have Anytime Banking access, follow the steps below:

Direct Debits

You can view or cancel Direct Debits using Anytime Banking:

1. Click on the 'Payments and transfers' option in the left-hand menu of Anytime Banking
2. Select 'Manage direct debits'

Standing Orders

A standing order is when you tell us to pay a fixed amount to someone straight from your account at regular intervals. The money is taken from your account automatically on a fixed date and will show up on your statement.

To manage existing standing orders:

1. Click on the 'Payments and transfers' option in the left-hand menu of Anytime Banking,
2. Select the option you need under the Standing orders section.

Some customers use Anytime Banking (including the Mobile App) to access both their business accounts and personal accounts. If you use the same Anytime Banking profile to access both business accounts and personal accounts, it is important to understand that the closure of these accounts at different times may impact your ability to access and use Anytime and if you lose access, you may be unable to restore it.

We strongly recommend that if you use your Anytime Banking profile to access both business and personal accounts that you should close your business accounts first. For personal bank accounts, re-registration can usually be completed within a day by phoning our telephony team on 0818 210 260 or if calling from abroad +353 1804 7475. For business accounts this process may take up to 10-12 working days. 

Closure of your personal accounts before the closure of the business accounts may interrupt your Anytime Banking access. Loss of Anytime Banking access will prevent you from viewing your business account(s) statements and from making important payments and/or transactions.   

You will need to speak with your new provider to understand what type of Commercial Card products they offer.

Your 16-digit commercial card programme number is detailed on the front page of your monthly statement - "Please Quote This Account Number XXXX-XXXX-XXXX-XXXX In All Correspondence".

You should stop using your Commercial Card(s) 7 days before you submit your closure instruction to ensure that all transactions are accounted for in the final payment.   We will write to you within one week of receiving your closure instruction detailing your final payment amount which will be collected 14 days thereafter. Your final payment will include any stamp duty due (€30 per card paid annually in arrears) and any unused card fees will be refunded to you as part of the closure process.  It is important that your Commercial Card programme(s) is closed before your linked Ulster Bank Current account.  This is to ensure the balance owing on your card can be paid from the Current account.

You can close your card programme by:

1. Calling our helpdesk on Business Card & OneCard – 0818 210 278 (+44 345 300 4473 outside ROI); Visa Purchasing Card – 0818 210 279 (+44 345 300 4476 outside ROI)

2. Completing a hard copy of the Commercial Cards Account Closure Form received with your closure letter which should be signed by the authorised signatory/signatories and return it to us in the Freepost envelope provided. If they have more than 2 accounts and you require further copies of the closure form, it can be accessed at www.ulsterbank.ie/cardclosure   Alternatively, you can send it to FREEPOST Ulster Bank, PO Box 13432, Dublin 18, D18 N153.  

3. Contact our MCC (Migration Closedown Centre) team or your RM for a copy of the closure form

As part of your commercial card closure any recurring payments or subscriptions must be cancelled with your merchant provider. You must advise your provider of your new commercial card details to claim regular payments. No recurring payments or subscriptions will automatically transfer over. You will be liable for any payments, one off and recurring, that present on your card post closure.

Smart Data Online access will remain for a short period after your card programme has closed. All SDOL administrators will receive an email detailing the steps to take on SDOL prior to closing the programme.

We recommend you keep local copies of the data and reports listed from No. 1 to 6 below for future audit and reporting purposes.

1. Download Users Report

a) Go to “Reports – Run”,

b) Select Report Name and drop down on “Programme Management Reports”.

c) Select “User Information Report” and “Run”.

d) If the User Information report is not available you can gain access to it via “Company – Company Configuration – Report Administration”, drop down on “Programme Management Reports” and select the report to gain access.

2. Retrieve and Download Receipt Images

Uploaded receipt images are retained on SDOL for 36 months. You can download a pdf file of all receipt images via the “Financial – Retrieve Receipt Images” section.

When retrieving receipt images, the date period will automatically default to the previous 4 weeks however you can update the date period to the dates    you require and “Download Now” or “Schedule Download”.    If you “Schedule Download”, the images will be available in your “Reports and Data Files” on the home page once complete. You can download receipt images per card or for the overall programme. Depending on the volume of receipts on your program, you may need to run several downloads.

3. Download Statements

You can view a PDF version of your statements by selecting “Financial” and the “Account Statements” section if you are set up to receive PDF statements. To view / save an individual statement by card holder or the overall programme, click the PDF statement you require and then select print or save. The maximum period of statements available for downloading is 13 months. Your final statement will also be available in the “Account Statements” section once the programme closes. You can download at a programme level or per cardholder. We recommend that you download both programme and cardholder level statements.

4. Stamp Duty

Your closure stamp duty charge per active card will be included on the final statement. You can provide this to your new provider as proof of payment for the year.

5. Download Reports

Download any bespoke reports via the “Reports – Run” section. If you currently run a monthly transaction file via this section, please ensure you have downloaded the preceding 36 months of data.

6. Copy your Cost Allocation Scheme

To obtain a copy of your cost allocation scheme (coding structure) you can download it via “Company – Cost Allocation Management – Accounting Code Scheme – Scheme Download/Update”.

Select a scheme to download and input a short description. Once complete your scheme will be available in the “Data Files” section on the home page. The data will download as a text file. You will need to copy and paste the text into an excel document and save it locally.

You can download a cardholder file via the management tab on ClearSpend. This will detail the cards that are active and closed in your programme

No, the only payment you will make is your last direct debit, inclusive of stamp duty. There are no closure fees.

Please call the helpdesk on:

• One Card Helpdesk: 0818 210 278
• Business Card Helpdesk: 0818 210 278
• Visa Purchasing Card Helpdesk: 0818 210 279

It is possible that you may have received communication from Ulster Bank informing you about an open card programme where you believed it was previously closed. It may be the case that each individual card was closed but your overall programme remained open. If there are no open cards on your programme, but the programme is still open, it will close 5 months from the date of your initial letter communication, you do not need to take any action. There will be no outstanding fees or charges because of this programme remaining open with no open cards on it. As there was no credit limit in place this will not impact on your CCR (Central Credit Register) rating. If you still have questions or concerns, please call the helpdesk on:

• One Card Helpdesk: 0818 210 278
• Business Card Helpdesk: 0818 210 278
• Visa Purchasing Card Helpdesk: 0818 210 279

Here is a quick reference table outlining each item that is being removed for Business Customers, the fee amount/interest rate prior to the removal and the scheduled date of removal: 

*Overdraft interest continues to be applied on all overdrawn balances, including any excess amount.
** Transaction fees will continue to apply.

Please note:

• All fees and surcharge interest listed in the above table are being removed permanently to support customers in their transition to a new Financial Provider. Fees and charges relating to the above products are listed in our Business Current Account Fees brochure and our Schedule of Services Payment & International Banking Charges brochure. 
• All other fees and charges not listed in the above table for removal will continue to apply, where applicable. 

Please click here if you wish to view the Fee and Interest removal for Personal Banking customers.

Surcharge interest is the unauthorised overdraft interest that applies to balances over the limit in place on an account. It is applied to an account on a specific date each quarter. The next scheduled date for interest application is 09 September 2022 for interest accrued from 23 May 2022 – 17 August 2022. This means surcharge interest accrued up to and including 17 August 2022 will be deducted from accounts on 09 September 2022. After the 09 September 2022 no surcharge interest will be deducted if accrued on an unauthorised overdraft. 

Debit interest at the rate agreed between you and the Bank (or, in the absence of agreement, at the Bank’s AA1 borrowing interest rate (currently 8.45% effective from 20th May 2009) will apply to the whole overdrawn balance.

Debit interest at the rate agreed between you and the Bank (or, in the absence of agreement, at the Bank’s AA1 borrowing interest rate (currently 8.45% effective from 20th May 2009) will apply to the whole overdrawn balance.

Please see below quick reference table outlining the two possible overdrawn positions and Interest applicable after Surcharge Interest is removed on 18 August 2022: