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.
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
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.
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
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
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
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.
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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