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Approval for any credit card depends 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.
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.
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.
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 are currently waiving late/missed payment fees, overlimit fees and returned payment fees to support customers through the cost of living. Fees will be waived until the end of 2023. However, it’s still important to keep payments on time and stay within your credit limit, or you risk harming your credit score. Learn more about how missed card payments can affect your credit score.
Ulster Bank has received average reviews from customers, according to review platform Trustpilot. It has a rating of 1.6 out of 5, based on over 200 reviews (updated June 2023). Some customers criticised its poor customer service, and issues with their card being declined when making purchases.
You can use the ‘Ask Cora’ chatbox through the Ulster app and is available to support you 24/7. Alternatively, you can phone Ulster’s customer support:
|Representative APR||From 12.9% to 24.9%|
|0% balance transfer offer||Up to 23 months|
|0% purchases offer||Up to 21 months|
|0% money transfer offer||No money transfer offer available|
|Cashback with brand||Cashback not available|
|Cashback elsewhere||Cashback not available|
|Cash advance||From 26.9%|
|Introductory bonus offer||No introductory bonus offers available|
Like its NatWest and RBS sister cards, this Ulster Bank credit card offers a market-leading 0% balance transfer period.
Existing Ulster Bank customers can transfer debt from cards held elsewhere to enjoy a lengthy 0% interest period.
All you need to know about this straightforward and flexible credit card with no fees on overseas transactions.
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