Personal
Credit Cards
Manage your credit card
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Existing customers

Manage your credit card

On this page

Stay in control Open in new window

Fees & charges Open in new window

Add another card Open in new window

Stay in control

Mobile app

Take control by locking/ unlocking certain transaction types.
Set up a Direct Debit, pay your credit card or view your last 3 years statements.
Register your travel plans.
If you have misplaced your card, you can lock and unlock it on the app.
Request a pin reminder or unblock your pin.

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Get the mobile app Open in new window

Anytime Banking

Set up and manage regular payments, including paying your credit card.
View your balance and transactions.
Register your travel plans.
Adjust your credit limit.
View up to 7 years of credit card statements.

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App available to personal and business customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Anytime Banking is available to customers aged 11+ with an eligible Ulster Bank Northern Ireland account.

Fees and charges

Please note: We are currently waiving the Late/Missed payment fee, Overlimit fee and Returned payment fee as part of our cost of living support for our customers. It's important to make your payments on time and keep your credit card within its credit limit.

If you are experiencing any financial difficulties, we can help, please visit our Struggling Financially page, or you can also visit our dedicated Cost of Living page.

A credit card has many benefits but to get the best from it, you need to be organised with your monthly payments otherwise you could end up paying fees and charges.

There are three main fees you need to know about.

Late payment fee (£12) - if you're late paying your monthly bill.

Over limit fee (£12) - if you go over your credit limit.

Returned payment fee (£10) - Applied when you don’t have enough money to make a payment.

Here are some tips on how to avoid paying charges and interest on your credit card:

Late payment fee

Keep on top of your payments. Your statement will tell you when the minimum payment has to reach your account each month.

There are many ways to pay your credit card bill. Make sure you have enough money in your account before a payment is due to come out and send it in plenty of time.

If your statement date or payment date doesn't suit, give us a call and we can change it to one that works for you.

Ways to pay your bill

Call us

Over limit fee

Keep track of your credit limit and how much you have available to spend. You can do this any time by registering for anytime banking or calling 0345 742 4365* (Relay UK: 18001 0345 300 4642).

If you've already gone over your credit limit make sure that your minimum payment is enough to bring you back within your credit limit, otherwise you'll need to pay more to avoid another over limit fee.

If you need a higher or lower credit limit we're happy to discuss this with you. A credit scoring system based on your current financial status is used to decide the fairest and most appropriate amount for you. If you think you'll have difficulty covering your credit card borrowings, please let us know immediately and we'll give you all the help we can.

*Lines open: 7 days a week 8am – 8pm (Automated service 24/7). Calls cost up to 10p per minute plus up to 16p connection charge from BT lines. Calls from other networks may vary. Calls may be recorded.

Returned payment fee

The return payment fee of £10 is applied to your account if the payment from your Direct Debit or cheque is rejected. This will have been due to insufficient funds in the account that the payment is being made from

In addition, you might want to consider changing the date of your statement which will change your payment date, so that it is at a more convenient time or changing the amount the Direct Debit is set up for.

Interest

If you pay your full balance, and you paid the full balance shown on the previous month's statement by the payment dates, we will not charge you interest on the purchases on the statement.

In an emergency it can be useful to withdraw cash from an ATM using your credit card but it may be cheaper to use your debit card. We charge interest from the date the advance is charged to your account. This is higher than the rate charged for purchases.

Using your card abroad

Going on holiday, or taking a business trip? Your credit card can be a safe and convenient payment method to make transactions abroad.

Our credit cards are widely accepted at millions of overseas retailers and ATMs. To use your credit card, just look for the Visa and MasterCard logos in retailers or on cash machines next time you are abroad, then use your card as normal.

Find out more about using your card abroad and the associated costs.

Add another cardholder

You can add your spouse, partner or close friend to your credit card via Anytime Banking. Additional cardholders must be 18 years old or over and must be a UK resident. Alternatively, you can contact our credit card team via secure messaging within your mobile app or please ring us on 0345 300 4642 (Relay UK: 18001 0345 300 4642).

We may need some further documentation for the additional cardholder before we can issue another card. We'll write to you at your home address asking for this if applicable.

Get more from your credit card

Contactless

Our credit cards come with Contactless technology, so you can pay for everyday essentials up to £100 - in less than a second.

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MasterCard offers

As a MasterCard customer you can enjoy lots of exclusive benefits and offers. Learn more by visiting the MasterCard site.

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Visit the MasterCard website Open in new window

Take a look at our guide to credit cards for more useful information on credit cards.

Pay my card

For a fast, simple and secure way to pay your Royal Bank credit card from another UK bank, on our app you can choose to Pay my Card which is powered by Payit. Payit™ is Ulster Bank's new payment solution that allows a fast, simple and safe way to pay. It removes the need for you to enter card or account details, passwords or authorisation codes when you are paying online. Instead, you can make secure, instant payments directly from your bank account or mobile banking.

Pay your credit card with the app

Paying your credit card with the Ulster Bank mobile app is quick and secure.

Here's a step-by-step guide to the 3 ways you can pay or schedule a payment.

From your credit card screen

Log into your mobile app.
Navigate to your credit card.
Select 'Pay credit card'.
Choose the account you wish to pay the credit card from or select to pay from another UK bank account.
Choose your payment amount either from a pre-defined amount or enter another.
Check and confirm payment details (if using another UK bank account you will be redirected to the bank app/online banking to confirm).

When you make a payment, your balance should update within 15 minutes in the mobile app.

If you miss a payment we will send you a reminder on the day your payment is due.

Transfer from your current account

Log into your mobile app.
Tap the 'Payments' option along the bottom of your screen.
Make sure the account displayed at the top of the screen is the account you wish to transfer funds from. You can swipe to change accounts or tap 'Change account'.
Select 'Make a transfer' from the options listed.
Tap the credit card you want to pay.
Enter or choose the amount you want to pay. You can choose whether to send the funds now or pick a payment date to send in the future.
Select 'Continue' to review the payment and confirm when ready.

When you make a payment, your balance should update within 15 minutes in the mobile app.

Payment from your current account

Log into your mobile app.
Tap the 'Payments' option along the bottom of your screen.
Make sure the account displayed at the top of the screen is the account you wish to make the payment from. You can swipe to change accounts or tap 'Change account'.
Select 'Send Money' from the options listed.
Select 'Make a payment'.
If you have not previously made a payment to this credit card using the app or Anytime Banking, tap 'Pay someone new' and follow the on screen instructions. If you have made this payment before, tap on the credit card on your list of payees.
Enter the amount you want to pay. You can choose whether to send the funds now or pick a payment date to send in the future.
Select 'Continue' to review the payment and confirm when ready.

When you make a payment, your balance should update within 15 minutes in the mobile app.

If you miss a payment we will send you a reminder on the day your payment is due.

Common questions

How do I pay my credit card bill?

How do I order a replacement card?

How do I get a pin reminder?

How do I change my credit card limit?

What is manage my card?

How do I make a balance transfer?