Balance Transfer credit card
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Ulster Bank · MASTERCARD
The Balance Transfer credit card is a credit card from Ulster Bank on the MASTERCARD network. It has an annual fee of £0.
Verified 12 Sept 2026
Key facts
- Annual fee
- £0
- Purchase APR
- 24.9% to 29.9% p.a. (variable)
- Intro APR
- 0% on purchases for up to 3 months, 0% on balance transfers for up to 11 months
- Foreign transaction fee
- 2.75%
- Network
- MASTERCARD
Benefits and perks
- 0% interest on balance transfers for up to 11 months –you must transfer your balance in the first 3 months of account opening. 0% offer starts from account opening.
- 0% interest on purchases for the first 3 months – 0% offer starts from account opening.
- Zero balance transfer fee – enjoy zero interest without paying a fee for the privilege.
- After your 0% offers end – you'll pay our standard rates.
- The maximum interest-free period is up to 56 days and only applies to purchases.
- No late payment fee and no fee for going over your credit limit.
Questions about the Balance Transfer credit card
What is the annual fee on the Balance Transfer credit card?
The Balance Transfer credit card has an annual fee of £0.
Is the Balance Transfer credit card worth it?
The Balance Transfer credit card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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