Credit Cards

Payment Methods

Choose a new provider

Fees & Charges

Using your card abroad

Keeping your card safe

Strong Customer Authentication (SCA)

Frequently asked questions

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

Find out more

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

View our guide

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.

App/Online

Your current account provider’s App/online banking

You can pay your Credit Card electronically by transferring funds from an account you hold with another financial provider to your Ulster Bank Credit Card. On some provider’s app/online banking this may appear under their ‘Pay a Bill’ option. When making the payment please use the following details:

IBAN for Credit Card starting in 5434

IE28ULSB98700127272779

------------------------------------------------------------------

IBAN for Credit Card starting in 455718

IE22ULSB98700228282867

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IBAN for CREDIT Card starting 520640

IE16ULSB98700329292955

--------------------------------------------------------------

BIC for all:

ULSBIE2D

You must use your Credit Card number as the reference to ensure the funds reach your account. Please allow 3 business days for payments made via other bank’s online banking services to reach an Ulster Bank credit card.

Branch of your new Current Account Provider

Telephone

Your current account provider’s Telephone Banking

You will need to contact your new current account provider to set up telephone banking with them in order to make a payment to your Ulster Bank Credit Card. On some provider’s telephone banking this may be under their ‘Pay a Bill’ option. When making the payment please use the following details:

IBAN for Credit Card starting in 5434

IE28ULSB98700127272779

------------------------------------------------------------------

IBAN for Credit Card starting in 455718

IE22ULSB98700228282867

---------------------------------------------------------------

IBAN for CREDIT Card starting 520640

IE16ULSB98700329292955

--------------------------------------------------------------

BIC for all:

ULSBIE2D

You must use your Credit Card number as the reference to ensure the funds reach your account. Please allow 3 business days for payments made via other banks telephone banking services to reach an Ulster Bank credit card.

Direct Debit

The Direct Debit must be set up for the minimum or full monthly payment.

Details should be updated at least 5 working days before the next payment is due.

Payment is taken 25 calendar days from your statement date or shortly afterwards.

Payments will receive value and the funds will be available on your credit card on the business day that the money is paid from your current account.

Creating or amending a Direct Debit

To create a new Direct Debit call the Credit Card Centre on 0818 210 261 (+44 1702 275524) and they will send you a new Direct Debit Instruction form in the post which must be completed and returned to Ulster Bank Cards, PO BOX 4015, Dublin 2. Please allow sufficient time for the completed form to reach us and bear in mind that mail delays are outside our control.

To amend a Direct Debit linked to your Credit Card call the Credit Card Centre on 0818 210 261 (+44 1702 275524) and provide the details of the new IBAN and BIC.

Posting a Cheque

Complete the bank giro slip which is located at the bottom of your Credit Card statement and send it with a cheque to:

Ulster Bank, P.O. Box 2096, Dublin 2.

Please write your credit card number on the back of the cheque. You should allow seven business days (i.e. excluding weekends and Bank Holidays) for the payment to be applied to your account. Funds must be cleared before payment is accepted. Please bear in mind that postal payments are subject to mail delays outside our control. Cheques must be from a domestic Irish bank - international cheques can no longer be processed.

Note DO NOT mail cash. Cash mailed to us will not be processed.

Important: You can no longer make a payment to your Ulster Bank Credit Card through the Post Office.

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.*

View list

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:

Late payment fee

Keep on top of your payments. Your statement will tell you when the minimum payment has to reach your account each month.

There are many ways to pay your credit card bill. Make sure you have enough money in your account before a payment is due to come out and send it in plenty of time.

If your statement date or payment date doesn't suit, give us a call on 0818 210 261 and we can change it to one that works for you. Calls may be recorded.

Over limit fee

Keep track of your credit limit and how much you have available to spend. You can do this any time by using our mobile App, Anytime Banking or calling 0818 210 260 (calls may be recorded).

If you've already gone over your credit limit make sure that your minimum payment is enough to bring you back within your credit limit, otherwise you'll need to pay more to avoid another over limit fee.

If you think you'll have difficulty covering your credit card borrowings, please let us know immediately and we'll give you all the help we can.

Interest

If you pay your full balance, and you paid the full balance shown on the previous month's statement by the payment dates, we will not charge you interest on the purchases on the statement.

In an emergency it can be useful to withdraw cash from a cash machine using your credit card but it may be cheaper to use your debit card. We charge interest from the date the advance is charged to your account (1.5% of the amount of the cash advance, minimum charge €2.54). This is higher than the rate charged for purchases.

Details of the interest you that you may be charged will be listed on your monthly credit card statement.

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.

Frequently Asked Questions

Why have I been charged Stamp Duty? Close

Credit Card Stamp Duty (€30) is a tax charged by the Government on credit cards issued in the Republic of Ireland each year. It is charged on the 1st of April each year for the preceding year or when an account is closed. Therefore as your account has been closed stamp duty has been applied. You are charged stamp duty for each credit card account you hold.

If you open an account with a new provider, there is a process in place to help you make sure that you do not pay the tax twice in one year. If you have paid your outstanding balance including stamp duty we can send you a Stamp Duty Letter of Closure confirming that Government Stamp Duty has been paid for the current charging period. To request this letter please call the Card Centre on 0818 210 261 (lines open 24 hours a day including Bank Holidays). You should then submit this letter to your new credit card provider so that you are not charged the duty twice. If your new provider has already charged you prior to receiving the letter then they should arrange a refund – please contact them if you have any concerns or queries about this process.

If you don’t pay the stamp duty which is due on your Credit Card the balance will remain outstanding on your account and will be subject to interest and fees in line with the terms and conditions of your Credit Card agreement. Failure to pay could have consequences for you, for example it could cause a negative impact on your credit rating.

If you need additional support please call our Credit Card Team on 0818 210 261 (lines open 24 hours a day including Bank Holidays). If you are in financial difficulty our Financial Health and Support Team are available also on 0818 210 261, Monday to Friday 8am – 8pm and Saturdays 8am – 1pm. If you need extra support to close your account, e.g. due to a disability, health condition or because your circumstances have changed please call our dedicated helpline on 1800 656 001 (lines open 8am – 8pm, 7 days a week).

What happens if I have a debit balance on my Credit Card Account? Close

Your Credit Card no longer works. You need to continue to make repayments in line with the terms and conditions of your Credit Card agreement, otherwise your account will go into arrears which may affect your credit rating and your ability to borrow in the future. This means paying at least the minimum amount as outlined on your monthly statement, which you will continue to receive until your balance is cleared.

However, if you only make the minimum payment each month, it will take you longer and cost you more to clear your balance. There are a wide range of methods available to pay including bank transfer, direct debit and posting a cheque. Click here for more information on payments.

An alternative option to repaying the outstanding balance is to transfer the balance to a new credit card provider. The Competition and Consumer Protection Commission (CCPC) have a calculator you may find useful to calculate how long it will take you to clear your debt in comparison with how long it would take if you transferred your balance to a new provider, visit https://www.ccpc.ie/consumers/money-tools/credit-card-comparisons/ * and select ‘Clearing your Credit Card Calculator’.

If you don’t make the required payment your account will go into arrears. If this happens our Financial Health and Support Team will contact, you to discuss the options available. This may have an impact on your credit rating, and it may negatively impact your ability to borrow money in the future from other financial institutions.

If you need additional support please call our Credit Card Team on 0818 210 261 (lines open 24 hours a day including Bank Holidays). If you are in financial difficulty our Financial Health and Support Team are available also on 0818 210 261, Monday to Friday 8am - 8pm and Saturdays 8am - 1pm. If you need extra support to close your account (e.g. due to a disability, health condition or because your circumstances have changed) please call our dedicated helpline on 1800 656 001 (lines open 8am – 8pm, 7 days a week).

*The link is attached for guidance purposes. Ulster Bank is not responsible for the content of third-party websites.

What happens if I have a credit balance on my Credit Card Account? Close

Can I transfer the balance on my Credit Card to a new provider? Close

You will need to enquire with your new provider if they offer a Balance Transfer facility and if you are eligible. The Competition and Consumer Protection Commission (CCPC) provides independent information including product comparison tools to help you find providers who offer Balance Transfers:

www.ccpc.ie/consumers/money-tools/credit-card-comparisons *

*The link is attached for guidance purposes. Ulster Bank is not responsible for the content of third-party websites.

What will happen if I can't get a new Credit Card from another provider? Close

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-comparisons *

If you can’t get a credit card with another provider, you will need to use alternative methods to meet your banking needs, e.g. if you are using your credit card as a payment method a debit card is an alternative; if you are using your credit card for borrowing an alternative may be an overdraft/personal loan with another provider.

*The link is attached for guidance purposes. Ulster Bank is not responsible for the content of third-party websites.

My Credit Card is closed so what will happen to my recurring transactions? Close

Any recurring transactions set up on your card will be cancelled and returned unpaid. You will need to contact the relevant company to amend the instruction to another card.

A recurring transaction is when you give your Credit Card details to a company to authorise a series of payments to be taken from your account. These payments can be for regular or irregular amounts and frequencies. Examples of recurring transactions could include memberships, insurance premiums or subscriptions, for example a gym membership, dental insurance or streaming subscription.

If you are unsure what recurring transactions you have, these are detailed on your monthly statements.

Can I still claim a chargeback after my Credit Card acount is closed? Close

Yes, however you should first contact the retailer or company you have paid in order to get your funds back. If this is unsuccessful you can fill in our online claims form or 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). You may be asked to provide correspondence between you and the retailer/company that you have been engaged with. You can request a chargeback once it is within 120 days of the transaction date.

Once you have submitted the online form, you should receive an update from us within 10 working days. Please check your email for this update (including your spam/junk folder).

If your claim is successful and you have an outstanding debit balance we will credit your Credit Card account for the amount owed. If you don’t have a debit balance we will send you a cheque for the amount owed.

How do I pay my Credit Card bill? Close

How do I set up a new Direct Debit? Close

To set up a new Direct Debit, call the Ulster Bank Credit Card Centre on 0818 210 261. We will send you a new Direct Debit Instruction form in the post which must be completed and returned to Ulster Bank Cards, PO BOX 4015, Dublin 2. Alternatively if your Ulster Bank Current Account is still open, log on to Anytime Banking and complete the form in the Manage My Credit Card section

How to I update my Direct Debit details? Close

To update your Direct Debit details, call the Ulster Bank Credit Card Centre on 0818 210 261 and provide the details of the new IBAN and BIC. Alternatively if your Ulster Bank Current Account is still open, log on to Anytime Banking and complete the form in the Manage My Credit Card section. Details should be updated at least 6 working days before the payment is due. The Direct Debit must be set up for the minimum or full monthly payment.

How do I order a replacement card? Close

If your card is destroyed you can order a replacement card in Anytime Banking.

Alternatively please call us on 0818 210 261.

Calls may be recorded.

How do I get a PIN (Personal Identification Number) reminder? Close

If you use Anytime Internet Banking to check your credit card, you can request a PIN reminder online.

Log in to Anytime Internet Banking - www.anytimebanking.ulsterbank.ie(opens in a new window).
Select 'Cards' from the main menu.
From the 'Manage a personal credit card section' select 'Get a PIN reminder'.
This will open a form in a new window, enter the last 5 digits from your card.
Click 'Submit'.
You should get a page confirming that you should receive the reminder within 3-5 working days.

If you don’t have access to Anytime Internet Banking and you have forgotten the PIN for your credit card you can request this via the mobile app or by calling the Credit Card Centre on 0818 210 261. Calls may be recorded.

How do I report my card lost/stolen? Close

If you lose your card or you suspect that it has been stolen please call us immediately on: 1800 245 399.

If you're signed up to Anytime Banking, you can also report your card lost and order a replacement within the Cards section.

Calls may be recorded.

How do I change my credit card limit? Close

Edit to place title content in this section.

Credit Card limit increase are only allowed under exceptional circumstances, such as a medical emergency that requires immediate payment.

Please call the Credit Card Centre on 0818 210 261.

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.

Protection

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.