Credit Cards

Important Reminder

Credit Cards no longer work.  For further information please see our Frequently Asked Questions below, which include information on Government Stamp Duty and Recurring Transactions.

How to pay your Credit Card

To find out more on the different ways you can pay your credit card please click below

Five key steps you may need to take now that your Credit Card has stopped working

Payment methods

Check out the different ways to pay your credit card bill, and the time to allow for each payment method.

Business days are Monday to Friday, excluding weekends and bank holidays.

Please note: You may need to use an alternative method of payment if your balance falls due before your internet/mobile banking is established with your new bank.  Alternatives include cheque payment via post (allow 7 days) or through the branch of your new bank.

Choose a new provider

Choose which financial provider you want to open a credit card account with.  The Competition and Consumer Protection Commission (CCPC) provides independent information including product comparison tools to help you find another provider, visit  www.ccpc.ie/consumers/money-tools/credit-card-camparisons.*

The following is a list of providers who have approached us to be included on this website as possible options for your consideration.*

Fees and charges

A credit card has many benefits but to get the best from it, you need to be organised with your monthly payments otherwise you could end up paying fees and charges.

There are two main fees you need to know about. Both of these fees are €8.50.

  • Late payment fee - if you're late paying your monthly bill
  • Over limit fee - if you go over your credit limit

Here are some tips on how to avoid paying charges and interest on your credit card:

Using your card abroad

Going on holiday, or taking a business trip? Your credit card can be a safe and convenient payment method to make transactions abroad.

Our credit cards are widely accepted at millions of overseas retailers and cash machines. To use your credit card, just look for the Visa and MasterCard logos in retailers or on cash machines next time you are abroad, then use your card as normal.

Find out more about using your card abroad and the associated costs.

Keeping your credit card safe

Ulster Bank credit cards have lots of free safety measures - all designed to protect your card from fraudulent use.

If your card is lost or stolen, you won’t have to pay for any misuse. You just need to notify us at 1800 245 399 or +44 1268 500813 (if calling from abroad) or by accessing our WebChat service. We will order a replacement card straight away. Calls may be recorded.

Keep your PIN* number safe

Never tell anyone your PIN (Personal Identification Number) - and never write it down anywhere. When you receive a new PIN, memorise it straightaway and immediately destroy the slip.


Purchases made on your credit card are covered by chargeback rights that protect you if you don’t receive your goods or they are defective.

Strong Customer Authentication (SCA)

We're introducing smarter, stronger and safer ways to keep you protected online when making credit card transactions online.

Find out more about Strong Customer Authentication.

Need additional support?

If you want to speak with our Closure team, please call the Credit Card Centre on 0818 210 261 (lines open 24 hours a day including Bank Holidays; if phoning from outside the Republic of Ireland call +44 1702 275524).*

If you need extra support to close your account e.g. due to a disability, health condition or because your circumstances have changed, we have a number of ways to contact us:

  • Call our dedicated helpline on 1800 656 001

*Call costs may vary. Calls may be recorded for training and monitoring purposes.