Help with debit cards

RI debit card beside a merchant terminal

Help with debit cards

Female handing over a RI debit card
Add your signposting title here… Planning on using your debit card abroad?

Our Visa Debit and Service cards are accepted at 30 million retail outlets and 1 million ATMs worldwide, just look out for the VISA symbol before using your card as normal.

Register your travel details with us at least 24 hours before your trip, and we’ll do our best to ensure your holiday spending isn’t affected at all. You can register by calling us on 1850 424 365 or by visiting a branch where our staff will be happy to help.

For details of where you can withdraw cash abroad, please access the Visa ATM locator

Remember to take this number with you in case you have any issues:

0044 131 339 7609

More on travelling abroad
Debit Card Charges outside the SEPA Zone


Transaction Type Outside SEPA*
Charge ERTF Fee**

Cash Withdrawals:
Foreign Currency withdrawal from a Cash Machine (ATM)



Euro withdrawal from a Cash Machine (ATM)


2% of transaction amount (min €3, max €12)


2% of transaction amount(min €3, max €12)


1.5% of transaction amount



No Charge 


Using a Debit Card for purchases in Euro:
(Note - Euro Debit Card transactions completed online, over the phone, or via mail order irrespective of whether the retailer is based inside SEPA or outside SEPA, will not be charged these fees)




Using a Debit Card for purchases in Foreign Currency



1% of transaction amount 
(min €0.25, max €6)



1% of transaction amount 
(min €0.25, max €6)


No Charge***




1% of transaction amount (min €0.25, max €6)

* Includes any countries outside the European Economic Area (EEA) and Switzerland, San Marino and Monaco
** Exchange Rate Transaction Fee
*** Transaction is converted the Euro at a Rate determined by the other banks/retailers not Ulster Bank

US dollars with UK sterling
Add your signposting title here… Foreign exchange rates

Daily debit card foreign exchange rates are set by Visa. The link below will transfer you to the Visa website to calculate indicative foreign exchange rates. Please note that currencies fluctuate everyday.


Visa daily foreign exchange rates

Before you go... Did you find what you were looking for?
Leave us feedback

What is important to you is important to us, let us know if our Help and Support section is missing anything.

Set Tab for lightbox