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Intelligence. Innovation. Inspiration.

Retail

Customers are at the heart of our Retail proposition at Ulster Bank. Delivering their needs, growth aspirations and supporting them through a challenging retail landscape is core to our service model. Our team of relationship managers with real local knowledge help deliver innovative solutions across the UK - David Scott, Head of Consumer Industries.

What we could do for you

Our managers understand the challenges of the current environment as well as the opportunities that can be presented.

We take time to understand your needs, goals and purpose. We offer the support, insight and tailored products to help you succeed in this challenging environment.

Get in touch and discover a wealth of expertise, that we are confident could add real value to your business.

Latest retail news and insights

Stay up to date with our news and insights from the world of retail

2025 Retail and Leisure Outlook: Key trends

Despite challenging market conditions, retail, leisure and hospitality businesses can still seize opportunities to attract new customers and strengthen their resilience. This year’s report with Retail Economics delves into the factors influencing household spending, unpacks the evolving expectations of the consumer, and identifies the megatrends set to reshape the industry.

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Strategies for Business in the Retail, Wholesale and Leisure Sector

Our latest Future Fit research unveils the strategies leading consumer businesses in the retail sector use to secure long-term competitive advantage.

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New data shows clear benefits of getting your business future-ready

Our Future Fit 2024 research shows how UK business leaders are gaining a competitive edge by doing things differently today.

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Read more insights, articles and reports on our retail and leisure sector hub.

Tools to help drive your growth plans

Take payments easily with Tyl by NatWest

Tyl by NatWest could help you find the card machine that's right for you, allowing you to easily take payments both in-person and online.

Terms and conditions, fees and eligibility criteria apply.

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Trade Finance

Boost your trading plans with flexible funding options tailored to business needs of domestic and international traders. 

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Finding the right business premises

There are lots of things to consider when you're looking for the right business premises, whether it's a shop, warehouse or a new regional showroom.

Read our handy tips to help guide you to your perfect place.

Helping you trade sustainably

Building a sustainable business can start with small changes, that can build to more ambitious plans.

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Eligibility criteria apply, and security may be required. Fees (other than arrangement fees) may apply. Over 18s only. Subject to status, eligibility and approval. Business use only. Any property or asset used as security may be repossessed or forfeited if you do not keep up repayments on any debt secured on it. Terms apply.

Green initiatives in Retail

Adopting green practices is crucial in tackling climate change, could also help your business be more efficient, and gain positive recognition from customers and investors.

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Thinking of selling?

The experts at Coutts have put together a Business Exit Programme to help you make the most of leaving your retail business. It’ll take you through the basics of preparing for a sale, plus give you strategies to deal with selling, alongside guidance on life after you’ve sold too. There’s bitesize videos, articles and lots more.

Protect your business

When you’ve built something up, you want to look after it the best you can – protecting it against various risks and challenges you may face. Gallagher, our business insurance broker, have a range of options to choose that could protect your business and your staff, including public and employers’ liability to professional indemnity and more.

Get in touch

Corporate and Commercial Banking

Our Corporate and Commercial teams support businesses that require borrowing of more than £750,000 and/or have business turnover of more than £6.5m.

Corporate and Commercial banking

Business Banking

For business finance between £100,000 and £750,000, or for businesses with a turnover up to £6.5m, please contact our business banking team.

Business banking

Something else we can help you with?