Your statement & transactions explained | Ulster Bank

When you buy something in a shop using your debit card, your ‘available funds’ are decreased by the amount you have spent but your “balance” won’t change and you won’t be able to see the transaction on your statement.

Retailers can take up to 4 days to claim the funds from your account. That is when your balance is reduced.

On your Account Summary mini-statement, the transaction will appear as “Debit Card Transaction”. You can also see more information with the tool tip when you hover your mouse over the transaction on your mini-statement.

On your full statement, the last four digits of your card number, the date of the transaction and the name of the retailer are shown. 

Find out more about your debit card.

When you use your debit card within a shop, your available funds are usually decreased by the amount of your purchase but there will not be an immediate impact on your balance and the transaction will not instantly appear on your statement. Retailers can take up to 4 days to claim the funds and from that point, the transaction will clearly be displayed within your statement.

When you make a one-off, online payment to another person or a company, your balance and available funds are usually instantly updated and your payment will reach the recipient within 2 hours. The transaction will clearly be displayed within your statement.

If you make a one-off, online payment to another person or a company, your balance and available balance are usually updated instantly. Your payment will usually reach the recipient within 2 hours.

If the payment is made after 6:30 pm, the payment will appear to be made on the following day but your balance and available balance are usually reduced immediately.

The payment will usually appear on your statement as “CALL REF.NO.XXXX” where XXXX is a unique number that identifies your Anytime Banking session. Once our systems complete their processing – usually overnight - a full description will be displayed on your statement as well as the original call reference number.

It’s easy to turn off paper statements, here’s how. In Anytime Banking click on the “Statements” link and select “Stop or start paper statements”. From here you can decide which accounts you’d like to switch to online statements. 

Log in to turn off paper statements.