Ulster Bank Gold MasterCard is only available to persons aged 18 and over. Lending criteria, terms and conditions apply. Minimum annual salary of £20,000 (gross of tax) required.

Cash advances subject to a Cash Fee of 3% subject to a minimum charge of £3.00, and can only be withdrawn from an ATM displaying the MasterCard symbol, subject to maximum daily cash advance limit of £300 or the advance limit available on your card, whichever is the lesser.

Foreign currency transactions are subject to a Non-Sterling Transaction Fee of 2.75% of the transaction amount. For each balance transfer debited to the account we will charge you 2.9% of the transferred amount (minimum charge £3), unless you qualify for exemption from that fee or are notified of a different fee under the terms of a special offer we make in connection with your application.

Approval for a balance transfer is only available once the credit card application has been accepted. The amount of the balance transfer(s) that we process will depend on the allocated credit limit. Should your credit limit be insufficient to process all transfer requests, we will action them according to the order in which you have provided them to us.

You can only transfer balances from non-Royal Bank of Scotland Group companies' credit or store cards. Ulster Bank is not responsible if a credit or store card provider will not accept payment. We cannot accept responsibility for interest charged by other credit card providers. We can refuse to accept any balance transfer request.

Rates and information correct on 1st January 2013 but subject to change.

Card Protection Plus (CPP) - Please note that Card Protection Plus (CPP) has been withdrawn from sale with effect from 9th January 2012. Any customer who has an existing CPP policy is not affected by this.

Existing customers please refer to Card Protection Plus summary terms and conditions (PDF) for details.