Privacy Policy

Sharing data outside Ulster Bank

Sharing with third parties

We will not share your information with anyone outside NatWest Group except:

If you ask us to share your information..

If you ask us to, we will share information with any third party that provides you with account information or payment services. If you ask a third party provider to provide you with account information or payment services, you’re allowing that third party to access information relating to your account.  We’re not responsible for any such third party’s use of your account information, which will be governed by their agreement with you and any privacy statement they provide to you.

NatWest Group will not share your information with third parties for their own marketing purposes without your permission

Sharing data with other authorised users and family

In the event that any additional authorised users are added to your account, we may share information about the use of the account by any authorised user with all other authorised users.

Transferring information overseas

We may transfer your information to organisations in other countries (including to other NatWest Group companies) on the basis that anyone to whom we pass it protects it in the same way we would and in accordance with applicable laws.

In the event that we transfer information to countries outside of the European Economic Area (which includes countries in the European Union as well as Iceland, Liechtenstein and Norway), we will only do so where:

  • The European Commission has decided that the country or the organisation we are sharing your information with  will protect your information adequately.

  • The transfer has been authorised by the relevant data protection authority; and/or

  • We have entered into a contract with the organisation with which we are sharing your information (on terms approved by the European Commission) to ensure you information is adequately protected.

Central Credit Register, credit reference and fraud prevention agencies

We may access and use information from the Central Credit Register, credit reference and fraud prevention agencies when you open your account and periodically:

  • To manage and take decisions about your accounts, including assessing your creditworthiness and checks to avoid customers becoming over-indebted.

  • When you apply to have your existing loan restructured.

  • If you have arrears on your account or have exceeded the limit on your overdraft or credit card.

  • If an amendment is required to the records held on the Central Credit Register.

  • To prevent criminal activity, fraud and money laundering.

  • Trace debtors and recover debts.

We require you to provide us with certain information in order for us to undertake credit reference and fraud prevention processing. The basis for our processing of such personal data for such purposes and the consequences of not providing such personal data is set out in this section.

Credit reference agencies contact details

If you would like a copy of your information held by the Central Credit Register, credit reference and fraud prevention agencies we use, or if you want further details of how your information will be used by the Central Credit Register and credit reference agencies please visit their websites or contact them using the details below. You can request your own credit report at any time from the Central Credit Register free of charge (subject to fair usage).

The Central Credit Register

Web address:
Phone: +353 (0)1 224 5500


The Irish Credit Bureau

Post: ICB House, Newstead, Clonskeagh Road, Dublin 14, D14PX09
Web address:
Phone: +353 (0)1 260 0388