Business OneCard | Ulster Bank Northern Ireland



More control for peace of mind. Helping you simplify cashflow.

Apply now

Security may be required. Product fees may apply. To apply you must be a UK resident aged 18 or over. The OneCard is for UK businesses only. To apply you must be a business customer and maintain a business bank account in the same legal entity name with Ulster Bank. Subject to status, business use only.

Apple Pay and Google Pay now available

Apple Pay

Now more than ever, you should consider using Apple Pay to pay with your Business card. It’s contactless, safe and easy. If you’ve never made a contactless payment with Apple Pay, it’s simple to set up before you leave home. Learn more.

Apple Pay available on selected Apple devices. Retailer limits may apply.

Google Pay

Got an Android phone? You can store your card details in your secure Google account. Then use your phone to pay for anything from boarding passes to restaurant meals. Learn more.

Google Pay available on selected Android devices. Retailer limits may apply.

Features and benefits

Global acceptance

accepted at over 32 million outlets worldwide


Interest-free credit

on purchases for 37 days (if you pay the monthly balance in full and on time by Direct Debit)

Greater control

restrict certain types of transactions or set spending limits for each cardholder


Added protection

with Travel Accident Insurance and Assistance, and Corporate Liability Waiver Insurance. Download your Insurance Policies (PDF, 129KB).


Safe and secure

Ulster Bank Secure for online purchases and chip and PIN for face to face transactions


Transparent spending

sophisticated online reporting using Smart Data Online to track and manage individual cardholder spending


OneCard has an annual fee of £32 per cardholder. Ancillary fees may also be applicable. Find out more information within our OneCard Terms and Conditions brochure (PDF, 213KB).

Already an existing OneCard customer and would like an additional card? Download our OneCard cardholder application form (PDF, 95KB).

Ready to apply?

If you are a Sole Trader, Small Partnership (of 3 partners or less) or an unincorporated business, download an application form (PDF, 359KB).

If you are a Limited Company, LLP, PLC or a partnership of 4 partners or more, download an application form (PDF, 293KB)


Please return the completed form to your Relationship Manager if you have one, or post it to:

Ulster Bank Limited, Business Banking NI, 1st Floor, 11-16 Donegal Square East, Belfast, BT1 5UB.

Alternatively hand the form in at any Ulster Bank branch.


Monitor your spending Smart Data OnLine

A secure management information system that helps you manage and streamline your OneCard programme.

More spending information
access daily updated transaction data

Review and allocate spending
review and approve employee expense transactions and apply cost allocations to each transaction

Tailored reports
export data for analysis or integrate with your accounting system

For more information see our Getting Started Guide for Programme Administrators (PDF, 1,330KB) or our Getting Started Guide for Cardholders (PDF, 834KB).

ClearSpend The smarter way to control your business spending

ClearSpend is a free web and mobile app that gives Commercial Cards customers complete control of their account in real-time and lets employees check their balance on the go. 

ClearSpend is a UK banking industry first, and works across all the major platforms, whether that’s Android, iOS or through your web browser.

Find out more
Looking for a Debit Card instead?

Looking for a business debit card instead of a credit card? Not to worry, this is something we also offer.

Find out more
Not found what you're looking for? We're here to help
Call our dedicated team
Contact us

General enquiries

Please call 0345 366 5592 (UK)

or if calling from abroad, 0044 2890 538459

Lines are open 8.30am - 5.30pm  Monday to Friday - Note calls may be recorded  Call charges



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