Privacy Notice:
We use cookies and similar technologies on our websites and mobile applications to help provide you with the best possible online experience. By using our sites and apps, you agree that we may store and access cookies and similar technologies on your device.
Lending criteria, terms and conditions apply.
Enjoy 3.9% p.a. (fixed) on balance transfers for 12 months
Representative Example
Interest rate
17.9%
p.a. (variable)
Representative APR
22.7%
(variable)
Assumed credit limit
€1,500
Government Stamp Duty
€30
APR (Annual Percentage Rate) is based on purchases and is inclusive of Government Stamp Duty of €30. Assuming a credit limit of €1,500, if you make 12 equal monthly repayments of €125, the total amount you will have to repay is €1,665.04. This includes €135.04 in interest.
To apply, you must be a Republic of Ireland resident, aged 18+. Subject to status and conditions. App available on most smartphones to customers with Anytime Internet Banking and a Republic of Ireland or international mobile number in specific countries. Data charges may apply.
Enjoy 3.9% p.a. (fixed) on balance transfers for 12 months
Representative Example
Interest rate
16.9%
p.a. (variable)
Representative APR
19.2%
(variable)
Assumed credit limit
€3,000
Government Stamp Duty
€30
APR (Annual Percentage Rate) is based on purchases and is inclusive of Government Stamp Duty of €30. Assuming a credit limit of €3,000, if you make 12 equal monthly repayments of €250, the total amount you will have to repay is €3,286.04. This includes €256.04 in interest.
To apply, you must be a Republic of Ireland resident, aged 18+, earning at least €30,000 per year. Subject to status and conditions. App available on most smartphones to customers with Anytime Internet Banking and a Republic of Ireland or international mobile number in specific countries. Data charges may apply.
No annual fee or balance transfer fee
Representative Example
Interest rate
17.9%
p.a. (variable)
Representative APR
35.0%
(variable)
Assumed credit limit
€450
Government Stamp Duty
€30
APR (Annual Percentage Rate) is based on purchases and is inclusive of Government Stamp Duty of €30. Assuming a credit limit of €450, if you make 12 equal monthly repayments of €37.50, the total amount you will have to repay is €520.51. This includes €40.51 in interest.
To apply, you must be a Republic of Ireland resident, aged 18+ and have an Ulster Bank Student Account. Subject to status and conditions. App available on most smartphones to customers with Anytime Internet Banking and a Republic of Ireland or international mobile number in specific countries. Data charges may apply.
You can transfer up to 95% of your credit card balance to the Classic, Gold or Student credit cards (minimum €100).
Find out how to transfer a balance
Approval for a balance transfer is available once your application has been accepted. The amount that we can process will depend on the allocated credit limit. If your credit limit is insufficient to process all of your requests, we will action them in the order in which you have provided them to us. You may not transfer the balance from another Ulster Bank credit card. We may end any introductory offer, including any balance transfer offer, if you do not pay on time or stay within your credit limit
Like other responsible lenders, to help us make decisions on when to give you credit, we use a system called credit scoring when we assess your application. Credit scoring helps us predict how likely we are to get back the money we lend. It's a consistent, accurate and fair way of assessing risk. We use credit scoring for applications for loans, credit cards, overdrafts, mortgages and some current accounts.
To work out your credit score, we look at:
On average it takes about 15 minutes to complete an online application. To ensure you can complete the form accurately, you'll need to know:
If your application has been approved, we aim to get your new card to you within 5-7 working days.
How to apply for a credit card
Decide which type of credit card best meets your needs.
To apply, you must be aged 18+ and a resident in the Republic of Ireland.
Complete an online application.
You'll need to know your address details for the last three year, your income and employment details and your bank account number and sort code.
Once your application has been processed, and if it is approved, we aim to get your new card to you within 5-7 working days.
For information on credit card interest, balance transfers, store cards and keeping your credit card safe, as well as useful tips about how to use it.
Find out how to make a payment, view your transactions, change your credit card and more. It's all here in one handy place.
Helping each other is help for what matters. That's why we're proud to introduce Ulster Bank Rewards in partnership with Visa. Register your Ulster Bank Visa card with our Rewards programme and you'll enjoy great cashback bonuses when you shop at some of Ireland's favourite retailers.
Simply register your card, activate your offers by signing in, shop at participating retailers, and receive helpful cashback rewards.
Call us on 1800 303 004
Lines are open:
Mon & Fri 8.30am - 7.30pm
Tues, Wed & Thur 8.30am - 9pm
(excluding bank holidays).
Calls may be recorded.
To pay your bill or check your balance, contact our telephone banking service on 1850 424 365.
(+3531 804 7475 if calling from abroad).
To register for telephone banking call 1850 211 461.
Lines are open 24 hours a day. Calls may be recorded.