Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
Compare Ulster Bank credit cards for July 2021
Ulster Bank offers a straightforward choice of credit cards designed to provide a competitive option whatever your financial circumstances.
Compare Ulster Bank credit cards
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What is Ulster Bank?
Owned by The Royal Bank of Scotland Group, Ulster Bank is one of the traditional “Big Four” Irish and Northern Irish banks. With 174 branches across Ireland and Northern Ireland, online account management and customer advisors on hand 24-hours a day, you can manage your money from anywhere at any time.
Ulster Bank credit cards are on the Mastercard network, so there’s no need to worry about card rejection – they can be used at more than 35 million merchants and ATMs worldwide.
What types of card does Ulster Bank offer?
Balance transfer cards
Balance transfer credit cards let you move a card balance from an existing card over to a new card, and then give you a certain period of time in which to repay the balance without being charged interest. Ulster Bank offers multiple balance transfer cards with different 0% periods.
Learn more about low rate cards
The Ulster Bank Student credit card comes with a manageable credit limit to help you make the most of student life without building up extra debt. If you pay off your balance in full each month, you could build up a good credit rating. This card offers a longer than usual 0% rate on purchases. It also has no annual fee.
Learn more about student credit cards
What benefits can I get with an Ulster Bank credit card?
- It’s accepted widely. Ulster Bank credit cards are issued by Mastercard, one of the biggest credit card providers in the world.
- Online banking. Manage all of your money in one place, 24/7, using the Ulster Bank website or app. Advisors are also on hand around the clock to help you over the phone.
- Additional cardholder. You can add your spouse, partner or close friend to your credit card through the internet banking service. Additional cardholders must be aged 18 or over.
- Fraud protection. If there are any suspicious transactions on your card, Ulster Bank will call you to make sure everything is ok. If your card is lost or stolen, you won’t have to pay for any misuse, as long as you notify the bank as soon as possible.
Applying for an Ulster Bank credit card
It will take about 15 minutes to fill in the online application form. You will need to provide details about your address/addresses for the past 3 years, your bank account and any balance transfers you wish to make. Once submitted, it can take up to 3 weeks to process your application. If you are approved, your new credit card should be with you within 5-7 working days.
- Be aged 18 or over
- Be a permanent UK resident
- Have an Ulster Bank current account
- Earn at least £10,000 a year
- Be aged 18 or over
- Be a permanent UK resident
- Have an Ulster Bank student account
Why might you not be approved?
Typically, you won’t be approved for a credit card if you’ve got a history of bad debt or don’t meet the above eligibility criteria. If you’ve got an outstanding County Court Judgement (CCJ) or are on an Individual Voluntary Arrangement (IVA) it is also likely you will not be approved. Equally, if you do not have a credit record at all, you may be turned down. It is advisable to go to Experian, or another credit rating agency, to ask for a credit report.
Ulster Bank customer reviews
Ulster Bank has received average reviews from customers, according to review platform Trustpilot. It currently has a rating of 2.9 out of 5, based on 13 reviews (updated 17 March 2021). Some customers criticised its poor customer service, and issues with their card being declined when making purchases.
Frequently asked questions
More guides on Finder
Ulster Bank Purchase & Balance Transfer Credit Card review 2021
Like its NatWest and RBS sister cards, this Ulster Bank credit card offers a market-leading 0% balance transfer period.
Ulster Bank Balance Transfer Credit Card review 2021
Existing Ulster Bank customers can transfer debt from cards held elsewhere to enjoy a lengthy 0% interest period.
Ulster Bank Credit Card review 2021
All you need to know about this straightforward and flexible credit card with no fees on overseas transactions.
Ulster Bank Student Credit Card review
Ulster Bank student account holders can apply for this card to help cover unexpected expenses and kick-start a positive credit history.