Balance Transfer credit cards - Credit Cards | Ulster Bank

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The Ulster Bank Credit Card

Balance transfer credit cards


Compare our 0% balance transfer credit card range

Back to our full credit card range

Available to customers who have a current account, savings account, credit card or mortgage with Ulster Bank, and are UK residents, 18+ and earning at least £10K per year

Balance transfer credit cards

If you're paying interest on other credit cards or store cards, you could save money by transferring your balance to one of our balance transfer credit cards.

Balance Transfer credit card

Good for - no fee to transfer a balance

  • 0% for 20 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

  • No fees to transfer a balance to this credit card

  • 0% on purchases for 3 months from account opening, after which standard rates apply


Representative example

Purchase rate: 19.9% p.a (variable)
Representative APR: 19.9% (variable)
Assumed credit limit: £1200
Annual fee: £0

Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

Find out more & apply

Longer Balance Transfer Card

Good for - more time to pay your balance off

  • 0% for 28 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

  • 2.75% balance transfer fee applies

  • 0% on purchases for 3 months from account opening, after which standard rates apply


Representative example

Purchase rate: 19.9% p.a (variable)
Representative APR: 19.9% (variable)
Assumed credit limit: £1200
Annual fee: £0

Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

Find out more & apply

What you should know about balance transfers

To enjoy our 0% offer on balance transfers, you need to make your transfers within the first 3 months.

Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100.

You can transfer your balance from most credit cards and store cards, except other Royal Bank of Scotland Group cards.

Calculate your repayments

We've compared the key features of our two balance transfer credit cards in the tables below, so we can help you make sure you're choosing the right card to suit your finances.

You can select one of the pre-set amounts below, or take a look at how you can compare based on your specific balance transfer amount.
 

I want to transfer...

Accordion

Icon expand £500

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £13.75
Monthly repayment to clear balance in 0% period £25 per month for 20 months £18.35 per month for 28 months
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Icon expand £1000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £27.50
Monthly repayment to clear balance in 0% period £50 per month for 20 months £ 36.70 per month for 28 months
Accordion

Icon expand £1500

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £41.25
Monthly repayment to clear balance in 0% period £75 per month for 20 months £55.04 per month for 28 months
Accordion

Icon expand £2000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £55
Monthly repayment to clear balance in 0% period £100 per month for 20 months £73.39 per month for 28 months
Accordion

Icon expand £2500

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £68.75
Monthly repayment to clear balance in 0% period £125 per month for 20 months £91.74 per month for 28 months
Accordion

Icon expand £3000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £82.50
Monthly repayment to clear balance in 0% period £150 per month for 20 months £110.09 per month for 28 months
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Icon expand £3500

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £96.25
Monthly repayment to clear balance in 0% period £175 per month for 20 months £128.44 per month for 28 months
Accordion

Icon expand £4000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £110
Monthly repayment to clear balance in 0% period £200 per month for 20 months £146.79 per month for 28 months
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Icon expand £4500

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £123.75
Monthly repayment to clear balance in 0% period £225 per month for 20 months £165.13 per month for 28 months
Accordion

Icon expand £5000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £137.50
Monthly repayment to clear balance in 0% period £250 per month for 20 months £183.48 per month for 28 months
Accordion

Icon expand £6000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £165
Monthly repayment to clear balance in 0% period £300 per month for 20 months £220.18 per month for 28 months
Accordion

Icon expand £7000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £192.50
Monthly repayment to clear balance in 0% period £350 per month for 20 months £256.88 per month for 28 months
Accordion

Icon expand £8000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £220
Monthly repayment to clear balance in 0% period £400 per month for 20 months £293.57 per month for 28 months
Accordion

Icon expand £9000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £247.50
Monthly repayment to clear balance in 0% period £450 per month for 20 months £330.27 per month for 28 months
Accordion

Icon expand £10,000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 20 months from account opening 28 months from account opening
Balance transfer fee No fee 2.75%
Cost to you when you transfer your balance £0 £275
Monthly repayment to clear balance in 0% period £500 per month for 20 months £366.96 per month for 28 months

A simple example to help you calculate

'I have a balance of £4400 I want to transfer'

 

Balance Transfer card

There's no balance transfer fee - so divide £4400 by 20 months = £220

 

You'll therefore need to pay £220 per month to pay off the card in full before the 20 month 0% offer period ends.

 

 

Longer Balance Transfer card

The balance transfer fee is 2.75% - so divide £4400 by 100, then times by 2.75. For £4400, the fee will be £121.

 

The total amount you will owe with this fee is £4521

 

Divide £4521 by 28 months = £161.46

 

You'll therefore need to pay £161.46 per month to pay off the card in full before the 28 month 0% offer period ends.

The calculations above are for illustrative purposes only and based on balance transfers being made at account opening.
Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

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Frequently asked questions

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