Struggling Financially - Help And Support | Ulster Bank

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Struggling financially

We're here to help

Get in touch
Add your signposting title here… Coronavirus support

Where you have had a direct financial impact caused by the coronavirus, we may be able to support you. Financial impact may be caused by a delay in income, a reduction in income or increased expenditure, unexpected loss of income or other serious change to your circumstances.


Ulster Bank Business customers

We're here to support you. Please visit the dedicated coronavirus guidance and support hub.

Help managing your money due to coronavirus

We know you may be worried about being impacted financially due to coronavirus. We have put a range of measures in place to help support you if you're experiencing financial difficulties as a result of the outbreak. Please note that if you decide to call us, there will be a higher than normal call wait time, and calls may be recorded for training and monitoring purposes. 

1. Payment holidays for up to 3 months to support with the impact of coronavirus on Ulster Bank Mortgages. You can find more information on applying for a payment holiday on our managing your mortgage page

2. Payment deferrals of up to 3 months to support with the impact of coronavirus on Ulster Bank Loans

 Log into our mobile app, simply tap 'Help' at the bottom of the screen followed by 'Message us' and quote 'coronavirus loan' in your message 

Find out how to get the app

3. You can apply to increase your credit card limit

4. Refunds on request for Ulster Bank credit card cash advance fees, where you've needed to access cash in an emergency

5. Early closure of Ulster Bank savings accounts to access cash with no early closure charge

6.You can request an increase in your Ulster Bank Debit Card cash withdrawal limit of up to £500 to help you access your money. To do this, you can call us on 03457 424 365

7. From Monday 30th March, for three months, all of our Personal Banking customers using their overdraft will pay less as we’re keeping overdraft interest at their current rates and they won’t pay any fees or charges. To find out more, please see our overdrafts page

8. We won’t charge a late fee for any credit card payments due from 1st April until 30th June 2020. You don’t need to get in touch, we will do this automatically. You should still try to make at least your minimum monthly payment on time to avoid affecting your ability to get credit in the future.

9. The limit for contactless spending with your debit or credit card is increasing from £30 to £45. Retailers need to update their systems to accept these changes, so you don’t need to contact us if your contactless payment over £30 is declined, simply continue to use chip and PIN. You’ll still need to occasionally enter your PIN when presenting your card to prove it’s really you.

Find out more about contactless limits here

Missed payments

I have already missed one or more payments

If you've already missed one or more payments, don’t panic, we are here to help. You may have already received some form of contact from us and we understand that during times like these it can feel easier to avoid a conversation with us and hope the situation improves, but it's really important that you do.


When you contact us, you'll be chatting with dedicated colleagues who are here to support you and discuss your current situation. You may be asked to complete an income and expenditure form so they can see what solutions are available for you.  Having details of your income/outgoings to hand would be helpful.


More info on the form can be found here.

I know I'm going to miss a payment soon

If you know you are going to miss a payment towards any of the following please get in contact as soon as possible so we can support you:




•Credit Card

•Bank Account

•Business Account


Its really important you contact us. When you do, you'll be speaking to dedicated colleagues who are here to support you and discuss your current situation. You may be asked to complete an income and expenditure form so they can see what solutions are available for you.


More info on the form can be found here.

I'm worried I might miss a payment in the future

You don’t have to be struggling with your finances to get our help, if you're worried things might change in the future and you want to take control now, we have tools available to help you. Check out our financial health check and book in for a time that suits you.


Add your signposting title here… We're ready when you are

If you want to speak to our dedicated team please select the 'Need help?' button on the right hand side of the page.

We will need to get an accurate picture of your situation so please have a few details to hand:

  • Your monthly income (including any benefits, overtime, bonuses)
  • Your monthly household spending (including all of your bills and expenses)
  • The amount you owe
  • The number of organisations you owe money to

You'll find most of this information on your bank statements or by looking at your bank account online. If you don't bank with Ulster, then call your bank as soon as you can.


Get in touch via the mobile app

You can also get in touch using the 'Message us' facility of the mobile app. Simply tap 'Help' followed by 'Message us'

Get the app

Download the latest version of our apps

Get the App

Add your signposting title here… Independent support available

If you are struggling with your finances, you may want to consider  contacting a free debt advice organisation.

There are a number of organisations who can help. Ulster work in partnership with PayPlan (a third party company), who offer free  and confidential debt advice, helping you take control of your finances.

If you find yourself worrying about debt, PayPlan offer advice by phone, email and live chat  making it quick and easy to access the advice you need. Arrange a call or email back from Payplan.

What are signs that I might need help?

1. You’re regularly spending more than you earn.

2. You’re worried about paying back the money you owe and your debts feel like a huge burden.

3. You’re dealing with difficult circumstances that make it hard for you to manage your money

4. You’re being contacted about unpaid bills and missed payments.

5. Several of your cards are at the maximum credit limit.

Learn more about PayPlan
Useful links

Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.

Citizens Advice

Free advice on debt, divorce/separation, setting up a new home, care & disability.

Money Advice Service


Free advice on bankruptcy, employment, benefits, money management and mortgage/repossession support.

Stepchange Debt Charity

Free and confidential advice on debt.

Advice NI

If you want to speak to our dedicated team please select the 'Need help?' button on the right hand side of the page.

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