Useful information

FAQs - Card and PIN questions

What is a Debit Card? Is this another form of Credit Card?

A debit card is a plastic card that is linked to your Current or Savings account and allows you to withdraw money instantly at ATMs and banks worldwide; you can also pay for goods from retailers at home, abroad and online.

Ulster Bank debit cards are known as a serviceCARD and debitCARD & cashCARD

A credit card allows you to buy items using funds borrowed from a Bank / card issuer which will be paid back at a later date.

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My Debit card expires soon, when should I expect to receive a replacement?

Your renewal card will be sent out automatically and you should have this at least 1 week before your previous card expires. If you are concerned that you have not received your renewal, contact your branch they can advise when the card should be with you.

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My debit card is damaged, what should I do?

Simply call your local branch and they can arrange for a replacement card to be sent out to your address, always ensure the branch have the correct and most up to date address.

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I need to change the name on my card, how can I do this?

You must call into your local branch to do this. Proof of change may be requested.

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Does my debit card act as a Cheque Guarantee?

The cheque guarantee scheme closed on 30th June 2011. Cards issued after that date do not include a cheque guarantee logo. Cards with the logo will be replaced as they reach the expiry date shown on the front of the card.

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How do I report my card Lost or Stolen?

You need to call the Lost/Stolen Emergency number immediately. 0870 600 0459

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I have lost my card and need Cash?

If your card is lost or stolen, we will offer you a service to enable you to withdraw a small amount of cash at one of our ATMs to tide you over. This service is free.

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If I find my card again can I start using it again?

No as soon as you contact the Lost/Stolen number your card will be cancelled. The customer service agent will have ordered you a replacement card that will be with you in 5 - 7 working days.

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Can I change the name and narrative on the card you sent me?

Yes; if you need to change the name on your card, or if you would like to add another narrative onto your card (this may help distinguish between accounts) please call into your local branch, proof of name change may be required.

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I have signed the magnetic strip by mistake will this damage my card?

Signing or writing on the silver magnetic strip should not prevent your card working in normal circumstances; however please ensure you sign the signature strip. However, if you are planning to go abroad ask your branch to replace your card at least two weeks before you are scheduled to go.

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My Card will not work in the shops or at ATMs

There could be several reasons why your bank card isn't being accepted at shops or cash machines. You may not have sufficient cleared funds in your account to cover the transaction. Your card may have been refused because of a temporary problem with the merchant's terminal or at the ATM. If your card details were manually keyed they may have been incorrectly input by the retailer. Contact your local branch they will be able to advise you of any issues with your card or account.

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My PIN is blocked? What should I do?

If you enter your PIN incorrectly 3 times in a row at any retailer, you will need to unlock your PIN at any Ulster Bank, RBS or Natwest ATM by selecting 'Account Services' and 'Unlock PIN'. A message will be displayed to confirm that you have unlocked your PIN.

Don't know your PIN? Contact your branch who will need to send you a 're-advice' of your PIN. Once you receive this, please follow the above instructions to unlock the PIN.

If you enter your PIN incorrectly 3 times in a row at any ATM, you will need to ask the branch to send you a 're-advice' of your PIN.

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Can I change my PIN?

Should you want to choose your own PIN, you can do this at any Ulster Bank, RBS or NatWest ATM by selecting 'Account Services' and 'change PIN' then follow the instructions on screen.

Remember to choose your PIN carefully and never carry a copy of your PIN with your cards.

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Can I use my Debit card abroad?

Your Ulster Bank debit card can be used around the world in over 30 million outlets across 160 countries and you can withdraw cash from more than 1 million ATMs globally - anywhere you see the Visa logo. So just use your card abroad as you do at home! To find out where you can use your card visit Visa ATM's and follow the link to the ATM locator.

Image of Ulster Bank cardsd showing the Visa logo

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How do I find out more about Contactless debit cards?

For more information on these debit cards please visit the Contactless page.

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Need to get in touch?

Emergency Numbers