Ways to Pay | Using your Visa Debit Card | Ulster


Ways to Pay

Safe, secure, convenient

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App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Anytime Banking available to customers aged 11+ with an Ulster account.

Make the most of using your card

Did you know there are a number of secure and convenient ways to pay with your card? Why not try contactless payment for transactions up to £45? Or leave the wallet at home and pay with Apple Pay and Google Pay on your mobile device.

Apple Pay and Google Pay are available on selected devices. 


Pay in-store
  • Contactless: Pay with contactless! It is an easy, fast and safe way to pay for all those small, everyday items up to £45 (retailer limits may apply).
  • Apple Pay / Google Pay: If you use Apple Pay or Google Pay, you can complete contactless purchases even over £45 (retailer limits may apply).
  • Chip & Pin: You can also make payments using your PIN.
Pay online
  • When you pay with your card you can keep track of all your spending with your app or anytime banking.
  • Whether you’re ordering your weekly groceries or buying the latest new tech - all payments are covered by our Secure Banking promise.
  • If there is an issue with a purchase you recently made with your card, we may be able to help. Visit our card payment support centre for further details.
Keeping your payments safe

Our Secure Banking promise has you covered no matter how you choose to shop or pay, but here’s some other ways we protect you:

  • When using contactless, you’ll occasionally be asked to input your PIN when you present your card - it’s just another way to keep you safe and protect your payments. 
  • When paying online, you may be asked to approve the transaction in the NatWest Mobile Banking app or by entering an one-time passcode (OTP). Find out more about how we protect you.
  • We always want to make sure that you stay safe when shopping online. Visit our fraud and security pages to find some top tips on how to protect yourself from fraud and scam.
Common myths around payments

Digital wallet

Using your debit or credit card to make a contactless payment with Apple Pay or Google Pay is fast, easy and secure – no personal information is passed from your phone to the reader, not even your name or bank details.

  • Make contactless payments over £45.
  • Make online payments.
  • Receive instant transaction notifications.
  • Use your device’s biometric authentication* (i.e. Face ID, Touch ID or Android Fingerprint) to keep your account safe.
  • You can use your mobile device wherever you see the contactless logo and you do not need telephone signal.

*Touch ID and Face ID available on selected Apple devices. Android Fingerprint is available on selected Android devices.

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


Apple pay
Apple pay

Enjoy all the benefits of your debit or credit card with Apple Pay on selected iPhones, Apple Watches, iPads, and Macs. Simply select your card as “top of wallet” in Apple Pay and you’ll be able to make purchases above the £45 contactless limit (retailer limits may apply).

Paying in stores and on the web has never been easier or safer. Your card information is secure because it isn’t stored on your device or shared when you pay and Apple Pay doesn’t store your transaction information, ensuring all purchases are private.

Set up Apple Pay
Google pay
Google pay

With Google Pay™ you can use your debit or credit card on your phone to pay for anything from a coffee on the go to a new TV.  Google Pay doesn’t share your card number, so your information stays safe and secure. It’s a fast, simple and secure way to pay with your debit or credit card in stores and online.

Simply select your card as “top of wallet” in Google Pay and you can start making purchases wherever you see the contactless logo. There is also no £45 contactless limit when you use it in stores (retailer limits may apply).

Google Pay is a trademark of Google LLC.

Set up Google Pay


Common myths around payments

Using your card in-store or online is one of the safest ways to make payments and complete purchases. We've gathered here some of the most common myths around card payments.


  • MYTH: If someone bumps into you, they could take money from your contactless card or steal your details.
    Anyone doing this would need to be a retailer and have a retail account to receive the payment. They’d also have to be only a few centimetres from your card, so this is very unlikely to happen. 
  • MYTH: You need to have a special shielded wallet to keep contactless cards safe.
    You don’t need a special wallet to keep your contactless card safe. Additionally, if you have more than one contactless card in your wallet, a card clash will occur preventing the cards from being remotely read.
  • MYTH: Mobile device payments are very safe and secure but they are only accepted by specific merchants.
    Pay using your mobile device anywhere you see the contactless symbol and you don’t need a mobile signal to pay.


  • MYTH: Everyone selling on social media/online marketplaces is trustworthy.
    Be cautious when purchasing goods off social media or online marketplaces. Do your research on the seller before making a purchase and if they tell you they can’t accept a card payment and ask you to send them money directly, stop and think – could this be a scam?
  • MYTH: Card reading machines can download personal data from my phone when I pay using my mobile device.
    When paying with a mobile device no personal data is transferred, not even your card number
  • MYTH: Contactless cards have different protection guarantees.
    We offer the same fraud guarantee on contactless transactions as other types of card transactions. We’ll refund any fraudulent transactions provided you haven’t acted fraudulently or with gross negligence (in line with our T&Cs and regulatory requirements).


using the mobile app
Download the app

Keep track of your payments with our secure and convenient mobile app.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Get the app
Ulster NI debit card next to merchant terminal
Add your signposting title here… Using your cards abroad

Just take your card or mobile device with you and you can use the different ways to pay to buy a drink on the beach, a meal in the mountains or a hotel by a lake – easy, safe and quick payment methods with no need to carry cash -  letting you get on with enjoying your trip.

With Ulster Bank, we help to protect you while you are abroad, so before you go:

  • Make sure you've provided us with your mobile number in case we need to contact you.
  • Take a note of our emergency contact number should you have any problems with your cards.
  • You can let us know you’re going away using the mobile app, then you can have a hassle-free holiday. (MasterCard customers only, each credit card must be registered separately.)
Let us know you're going on holiday
Before you go... Anything else we can help you with?
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