Compare Ulster Bank credit cards

Compare Ulster Bank credit cards

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Name	Product	Finder score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
The Ulster Bank Credit Card Mastercard The Ulster Bank Credit Card Mastercard		4.5 ★★★★★	12.9%	12.9% (0% fee)	£0	12.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Read review	Compare	loading Fetching your data...
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard Ulster Bank Purchase & Balance Transfer Credit Card Mastercard		3.5 ★★★★★	0% for 19 months reverting to 24.9%	0% for 19 months (2.99% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Ulster Bank Balance Transfer Credit Card Ulster Bank Balance Transfer Credit Card		3.5 ★★★★★	0% for 3 months reverting to 24.9%	0% for 13 months (0% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Ulster Bank Longer Balance Transfer Credit Card Ulster Bank Longer Balance Transfer Credit Card		4.0 ★★★★★	0% for 3 months reverting to 24.9%	0% for 23 months (3.49% fee)	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...

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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.
• Student 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.

Eligibility requirements

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.

Cost of living support

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 customer reviews

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.

Customer support

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:

• For classic & student credit card, call 0345 300 4642 (available 24/7).
• For Gold card holders, call 0345 300 4643 (available 24/7).
• For international credit card holders, call 0044 126 850 8018 (available 24/7).

Overview of Ulster Bank credit cards

Frequently asked questions

• How long does an online application take?

  It normally takes about 15 minutes to complete an online application. To ensure you can complete the form accurately, you’ll need to know:

  • Your address details for the last three years
  • Your income and employment details
  • Your bank account number and sort code

• How do I transfer a balance to an Ulster Bank credit card?

  You can request a balance transfer as part of your application. Alternatively, you can call the customer helpline once your application has been approved. You can make any number of balance transfers at any time as long as you do not exceed 95% of your available credit limit (you must transfer a minimum of £100).

  It can take up to three weeks to process your application and for payment to reach your other accounts. Therefore, you should make payments to your other cards to keep them up to date and avoid any penalty fees.

• How do I change my credit card limit?

  You can do this through internet banking by selecting ‘Cards’ from the main menu. In the ‘Manage your personal credit card’ section select ‘Manage your credit card limit.’ Add your annual income, requested credit limit and the last 5 digits of your Ulster Bank credit card. Finally, select ‘submit.’ Alternatively, you can call a customer advisor.

• When will I get my card?

  Once your application has been approved, your new card should be with you in 5-7 working days.

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Chris Lilly

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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

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• Ulster Bank Balance Transfer Credit Card review

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• The Ulster Bank Credit Card review

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