Business Debit Card - Accounts & Services - Business Banking | Ulster Bank

Business Debit Card

Manage your everyday expenses

Apply online

To apply online you must be trading as a sole trader, partnership or company in the Republic of Ireland. Debit Cards are only available to authorised signatories under the bank account mandate where the signing rules state one or either to sign.

The benefits Features of your new business debit card

Acceptance worldwide

Pay for items in over 30 million retail outlets and obtain cash at 1 million cash machines across 160 countries, wherever the Visa symbol is displayed.

Contactless

Wherever you see the contactless symbol, you can now simply touch the reader with your card to pay for anything that’s €30 or less – no need to insert your card into a Chip and PIN device. 

Protection for your purchases

If you use your Visa Debit Card to purchase goods or services and they fail to arrive or are damaged, the service is not provided or the retailer has gone out of business, we may be able to help recover the payment if your attempts with the retailer have been unsuccessful.

Protection Secure payments

We use Chip and PIN (personal identification number) for face to face purchases. Through our fraud checking system we may ask the retailer to contact us by phone if we think someone else is trying to use your card.

Apply for my business debit card >

Good news, we have enhanced our Ulster Bank Secure service (In association with verified by Visa). When shopping online you will no longer need to enter a password, most transactions will simply go straight through after being checked by the bank.

For some transactions you may be asked to enter a one time passcode online which we will send to you.  You can select whether you wish this passcode to be sent to your mobile, email address or via a voicemail to your landline.

Ulster Bank Secure provides you with additional protection when shopping online at participating merchants.

To ensure you can complete online purchases quickly it is essential that you keep your contact details up to date, so if verification is requested we can send you a one time passcode.

Fees and charges
Accordion

Icon expand Business Debit Card charges (inside the Eurozone)

Transaction type

Charges*

Cash withdrawals
at a cash machine** No Charge
in any Ulster Bank / Royal Bank of Scotland / NatWest branch No Charge
in any other bank, travel agent, bureau de change
or other outlet displaying the VISA logo
No Charge
Purchases (point of sale transactions) No Charge
Foreign currency withdrawal from a cash machine which is not an Ulster Bank / Royal Bank of Scotland / NatWest cash machine                 Card fee of 2% of the transaction amount (minimum €3, maximum            €12) plus an exchange rate transaction fee of 1.5% of the transaction amount
Purchase of foreign currency or travellers cheques***
in any Ulster Bank / Royal Bank of Scotland / NatWest branch Standard bank charges may apply
in any other bank, travel agent, bureau de change
or other outlet displaying the VISA logo
Standard bank charges may apply

 

*Standard current account transaction charges may apply as detailed in A Guide to Business Current Account Fees.

**We will not charge you for using your card at a cash machine in the Republic of Ireland but other companies may charge a fee. You will be advised on screen about any charges before you withdraw cash.

***Standard commission rates apply.

Accordion

Icon expand Business Debit Card charges (outside the Eurozone)

Transaction type

Charges*

Cash withdrawal at an Ulster Bank / Royal Bank of Scotland / NatWest cash machine
No Charge
Cash withdrawal which is not at an Ulster Bank / Royal Bank of Scotland / NatWest cash machine Card fee of 2% of the transaction amount (minimum €3, maximum €12) plus an exchange rate transaction fee of 1.5% of the transaction amount
Purchase of foreign currency or travellers cheques** Card fee of 1% of the transaction amount (minimum €0.25, maximum €6) plus an exchange rate transaction fee of 1% of the transaction amount
Purchases (point of sale transactions)
Card fee of 1% of the transaction amount (minimum €0.25, maximum €6) plus an exchange rate transaction fee of 1% of the transaction amount

 

*Standard current account transaction charges may apply as detailed in A Guide to Business Current Account Fees.

**Transaction is converted into Euro at a rate determined by Ulster Bank.

Accordion

Icon expand Foreign exchange rates

Daily debit card foreign exchange rates are set by Ulster Bank for any cash withdrawals at an Ulster Bank, Royal Bank of Scotland or NatWest cash machine in the Republic of Ireland. Visa set rates outside of Republic of Ireland.

The links below will transfer you to the Visa website and our Euro exchange rate tool to calculate indicative foreign exchange rates. Please note that currencies fluctuate everyday.

Visa daily foreign exchange rates

Note: A Government Stamp Duty charge of 12 cent is applied to each domestic  cash withdrawal made at an ATM. The total fee paid per annum per card is capped at €2.50 on ATM only cards and €5 on combined ATM and debit cards, and is applied annually in January.

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General enquiries

1850 211 690 (Republic of Ireland)

0345 366 5592 (UK)

Or if calling from abroad 0044 2890 538459

Lines are open 8.30am - 5pm  Monday to Friday - Note calls may be recorded

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