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  • If your card has been lost or stolen, please call us immediately on 0370 600 0459*.

  • If you are calling from abroad, please call us on 0044 131 7609.

  • Lines are open 24/7.

* Daytime calls cost up to 8p plus up to 6p per minute from BT lines Mon-Fri. Calls from other networks may vary.

Ulster Bank Complaint Handling Centre

Call our PPI Complaints Team directly on: 0800 015 5352.

PPI Customer Concerns Team
5th Floor
1 Hardman Boulevard
M3 3AQ

Call our Credit Card PPI Complaints Team directly on: 0800 015 0319.

  • Your name and address
  • Your account details and what it relates to
  • When your issue occurred
  • A description of your complaint
  • How you have been affected by this
  • A contact number and a convenient time to contact you

The Financial Ombudsman Service is a free independent service. They aim to resolve complaints that consumers and financial businesses haven't been able to resolve themselves. They can help with most financial complaints. However, there are some limits on what they can look into. You can get more information about this from them directly.

You can write to them at:

The Financial Ombudsman Service 

Exchange Tower 

London E14 9SR 

website at

You can phone them on 0800 023 4 567, 0300 123 9 123 or 0207 964 1000. You can also email them at

This will help us to understand your issue and what has gone wrong, to make sure we can get your complaint to the right person to fully investigate and fix your issues, putting you back in the position you were in before the complaint

Your contact details will help us to get hold of you if we need to discuss your complain or require further information

(Please note – our calls may appear as ‘private’, ‘unknown’ or ‘withheld’ on certain handsets

  • You will receive a response so you know we have received your complaint containing your complaint reference number for your records and so we can always find your information quickly should you need to contact us.
  • We will ring you to discuss your complaint and help to resolve things quicker, please provide us with your contact details and preferred time for us to call.
  • We will keep you updated with written communication after 5 working days if we are still investigating and then at regular intervals
  • If we take more than 2 days to resolve your complaint we will write to you to let you know our final response. This will outline the details of our investigation, how we arrived at our decision and what we plan to do as a result.

Need financial help?

For mortgage debt assistance call us today on 0345 3016910

For loan or overdraft debt assistance call us on 0345 6023112

For credit card debt assistance call us on 028 90898900

Warning signs of debt

If you're not sure you have a debt problem, ask yourself the questions below. They are the classic financial warning signs:

  • you pay for your weekly groceries by credit card or cheque.
  • you borrow from friends or family without knowing when you'll be able to pay them back.
  • you borrow money to pay off other debts.
  • you're not sure how much you owe.
  • you only pay the minimum amount due on your credit card(s) every month.
  • you're paying late payment fees on credit or store cards.
  • you regularly pay referral fees due to being overdrawn.
  • you have used up all of your savings.
  • your monthly income is not sufficient cover your monthly outgoings i.e. credit card, overdraft, utility bills.

If you find yourself regularly making ends meet using any of the above methods, you're most likely facing a debt problem. So why not take action now?

Maximise your income

Here are some steps to take if you find yourself in financial difficulty:

get free independent money advice from agencies such as:

work out a personal budget and stick to it.

tackle your priority debts first for example, your mortgage and secured loans.

make sure you claim all benefits and tax credits that you are entitled to. Contact your local Social Security Agency for advice on what your individual entitlements are.

if you have an income protection insurance policy, check to see if you can make a claim.

you may also be able to claim on other protection policies, for example mortgage repayment protection insurance could be applicable in the case of redundancy.

Here are some things that you should never do if you find yourself in difficulty:

  • never ignore missed repayments, they won't go away. Remember we're here to help, as soon as you notice there's a problem, get in touch.
  • don't ignore correspondence or calls from our staff. We are here to help and talking to us is the first step to helping you get the situation under control.
  • don't be under the impression that handing back your house keys will absolve you from your mortgage obligations as this is not the case.

You can raise a complaint with any member of staff.

From the UK

0345 742 4365

From Abroad

+44 289 053 8033

Debit Card - Ulster Bank ATM Exchange rate

Ulster Bank is committed to providing cardholders with a convenient way to pay when travelling within Ireland.

The Exchange rate page defines the Ulster Bank Foreign Exchange rate provided to its NI Customers when using a Debit card at all Ulster Bank euro ATMs.

Exchange rates


Rate for Ulster Bank NI customers who use Ulster Bank ATMs in the Republic of Ireland

The Ulster Bank ATM rate is determined by reference to the wholesale foreign currency markets and is sourced from a number of market intermediaries. The rate is applied circa 08:15hrs each working day, prevailing until the same time the next working day. A small business margin is applied to cater for market fluctuations.

Note: Please refer to the 'Debit Card charges and foreign transaction fees' section in our guide to personal accounts fees & interest brochure for further details on charges or fees applied. 

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