Business Debit Card | Business Banking | Ulster Bank

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Important Customer Notice

Update on Ulster Bank Ireland DAC presence in the Republic of Ireland.

For more information please click here.

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.

Apple Pay and Google Pay now available

Apple Pay

Now more than ever, you should consider using Apple Pay to pay with your Business card. It’s contactless, safe and easy. If you’ve never made a contactless payment with Apple Pay, it’s simple to set up before you leave home. Learn more.

Apple Pay available on selected Apple devices. Retailer limits may apply.

Google Pay

Got an Android phone? You can store your card details in your secure Google account. Then use your phone to pay for anything from boarding passes to restaurant meals. Learn more.

Google Pay available on selected Android devices. Retailer limits may apply.

Features and benefits of your 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 €50 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
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Icon expand Business Debit Card charges (inside the Eurozone)

Using a debit card for purchases in Euro*

Within SEPA**  Commission Charge  Exchange Rate Transaction Fee
Visa debit (Point of Sale)*** No Charge No Charge
Visa debit contactless (Point of Sale) No Charge No Charge
Outside SEPA**  Commission Charge  Exchange Rate Transaction Fee
Visa debit (Point of Sale)*** 1% of transaction amount (min €0.25, max €6) No Charge
Visa debit contactless (Point of Sale) 1% of transaction amount (min €0.25, max €6) No Charge

 

Using a debit card for cash withdrawals in Euro*

Within SEPA**  Commission Charge  Exchange Rate Transaction Fee
Visa debit (ATM) No Charge No Charge
Outside SEPA**  Commission Charge  Exchange Rate Transaction Fee
Visa debit (ATM) 2% of transaction amount (min €3, max €12) No Charge

 

*You may be charged an automated transaction fee. Please see page 5 of our brochure A Guide to Business Current Account Fees (PDF, 163KB) for a detailed breakdown of transaction charges and how much they may cost. Other companies or ATM providers may charge an additional fee. You will be advised on screen about any charges before you withdraw cash.

**The Single Euro Payments Area (SEPA) covers the whole of the European Union (EU). It also applies to payments in Euros in other European countries: Andorra, Iceland, Norway, Switzerland, Liechtenstein, Monaco, San Marino and Vatican City State.

***Purchases made in Euro if completed online, by phone or mail order irrespective of whether the retailer is based inside or outside SEPA will be charged the €0.10 Automated Transaction Fee.

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Icon expand Business Debit Card charges (outside the Eurozone)

Using a debit card for purchases in foreign currency (Non-Euro)*

Within SEPA**  Commission Charge  Exchange Rate Transaction Fee***
Visa debit (Point of Sale) 1% of transaction amount (min €0.25, max €6) 1% of transaction amount (min €0.25, max €6)
Visa debit contactless (Point of Sale) 1% of transaction amount (min €0.25, max €6) 1% of transaction amount (min €0.25, max €6)
Outside SEPA**  Commission Charge  Exchange Rate Transaction Fee***
Visa debit (Point of Sale) 1% of transaction amount (min €0.25, max €6) 1% of transaction amount (min €0.25, max €6)
Visa debit contactless (Point of Sale) 1% of transaction amount (min €0.25, max €6) 1% of transaction amount (min €0.25, max €6)

 

Using a debit card for cash withdrawals in foreign currency (Non-Euro)*

Within SEPA**  Commission Charge  Exchange Rate Transaction Fee***
Visa debit (ATM) 2% of transaction amount (min €3, max €12) 1.5% of transaction amount
Outside SEPA**  Commission Charge  Exchange Rate Transaction Fee***
Visa debit (ATM)**** 2% of transaction amount (min €3, max €12) 1.5% of transaction amount

 

*You may be charged an automated transaction fee. Please see page 5 of our brochure A Guide to Business Current Account Fees (PDF, 163KB). for a detailed breakdown of transaction charges and how much they may cost. Other companies or ATM providers may charge an additional fee. You will be advised on screen about any charges before you withdraw cash.

**The Single Euro Payments Area (SEPA) covers the whole of the European Union (EU). It also applies to payments in Euros in other European countries: Andorra, Iceland, Norway, Switzerland, Liechtenstein, Monaco, San Marino and Vatican City State.

***Exchange Rate Transaction Fee (ERTF) is a fee we charge when you undertake a transaction in a foreign currency which is converted by us into Euro using the Visa Payment Scheme Exchange Rate, also known as a Currency Conversion Charge. To view up-to-date rates please visit visaeurope.com and search “Exchange Rate Calculator” or download the Visa Travel Tools app from the App Store or Google Play Store.

****Sterling cash withdrawals made from Ulster Bank (Northern Ireland), RBS (Scotland) and NatWest (England and Wales) ATMs are exempt from Commission Charges, Exchange Rate Transaction Fees.

To view our currency conversion charges with reference to the daily rate which is issued by the European Central Bank (ECB), you can visit www.ulsterbank.ie/usingmycardabroad The figures displayed on that page change daily and are simply to help you compare our fees with other banks across Europe.

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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 it 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 cards and €5 on combined ATM and debit cards, and is applied in January. For further information on our Terms and conditions for this product please see our Business Debit Card Terms

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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 - 5:30 pm  Monday to Friday - Note calls may be recorded

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