Your guide to getting the most from your card - Ulster Bank

Your guide to gettingthe most from your cardUlster Bank cashCARD

Welcome to yourUlster BankcashCARDYour cashCARD is a Visa Debit card and isaccepted at over 1 million ATMs around theworld, giving you access to your bank accountwherever you are. You can use your card atATMs where you see the Visa logo or the VisaPlus logo.Global Acceptance• You can use your new Visa cashCARD abroadthe same way you do at home, just look for theVisa logo or the Visa Plus logo. It’s a safe andconvenient way to withdraw cash when youtravel, reducing the need to carry foreign currency.Withdrawing Foreign Currency at an ATMIf you use your card to withdraw foreign currency at an ATM inthe Republic of Ireland you may be charged at the same rate asyou would withdrawing foreign currency abroad.Using your card abroadUsing your new card abroad couldn’t be more convenientand safe. All we do is simply convert the amount you arewithdrawing into Euro and apply the relevant charges. Then thetotal amount is automatically debited from your account, detailsof all transactions will appear on your statement.

24 hour emergency cash in ROIIf your card is lost or stolen and you need emergencyfunds, you can take advantage of our 24 hourEmergency Cash service. After answering a fewquick security questions, you will be given a codeenabling you to withdraw cash without a cardfrom any Ulster Bank or EasyCash ATM in ROI.Protecting you and your cardThe care of your cards, PIN and other securityinformation is essential to help prevent fraudand protect your accounts. It is importantthat you always take reasonable steps tokeep your card, PIN, passwords and securityinformation safe.✓ Do not allow anyone else to use your card and do not discloseyour PIN, passwords or security information to anyone.✓ We will never ask you to disclose your PIN, passwords orsecurity information. If you are in any doubt about theauthenticity of a caller or an email you have received,take their details and call us.✓ Remember your PIN and destroy the notice securely as soonas you have memorised it.✓ Never write down or give your account details, PIN, passwordsor other security information to anyone, unless you know whothey are and why they need them.✓ Keep your card receipts and other information about youraccount containing personal details (for example Statements)safe and dispose of them carefully by taking simple steps suchas shredding printed material.✓ Be aware that your post is valuable information in the wronghands. If you don’t receive a bank statement, card statement orany other expected financial information, contact us.✓ You will find the Irish Payment Services Organisation websitewww.safecard.ie a helpful guide on what to do if you suspectcard fraud.✓ To help protect you from fraud, we may occasionally block ATMand card transactions temporarily if we identify any unusualtransactions on your account. If this happens to you please call0044131 339 7609, we will ask you to verify your transactionsby asking you some security questions.

Safety tips for using your card abroadBefore you travel. . .✓ Check the expiry date on your card.✓ Take a note of the numbers on the back of this leaflet.✓ Advise your branch, make them aware of your travel plansand give the branch your mobile number.When you are away. . .✓ Keep your card safe; use safety deposit boxes or the safesin hotel rooms.To find out where you can use your card abroad pleasevisit www.visaeurope.comPIN Lock/Unlock✓ If you enter your PIN three times incorrectly at any ATM, you willneed to ask your branch to send you a re-advice of PIN. Shouldyou subsequently remember your PIN you can ‘unlock’ it at anyUlster Bank, EasyCash, RBS or NatWest ATM.✓ If you want to change your PIN you can also do this by selecting‘Account Services’ then ‘Change PIN’ and follow the instructions.If you change your PIN you must choose it carefully.✓ If you forget your PIN and want us to send you a reminder orif you cannot use your PIN because of a disability or medicalcondition please contact your branch.Anytime BankingOur Anytime Banking service gives you 24/7access to your accounts online, just visitwww.ulsterbank.ie/anytime

Limits, rates and chargesThe information below will allow you tofamiliarise yourself with your cash withdrawallimits and the charges for use of your cardabroad. Please read this section carefully.Daily withdrawal limitsThe ATM current withdrawal limit for Savings accounts is E750:✓ Although you have a daily withdrawal limit, a transactionwill only be authorised if you have sufficient cleared fundsavailable on your account or, if you have made separatearrangements with us.✓ Some ATMs will limit the amount you may withdraw ina single transaction.Charges for using your card abroadCash withdrawals(Non Euro Transactions)✓ There is an Exchange Rate Transaction Fee (ERTF) of 1.5%of the transaction value (except at ATMs belonging toUlster Bank, EasyCash, RBS or NatWest).✓ You will be charged 2% of the transaction value with aminimum of E3 and a maximum of E12 (except at ATMsbelonging to Ulster Bank, EasyCash, RBS or NatWest).Exchange rates✓ We apply the exchange rates prevailing on the day we processyour transactions, not the rates prevailing the day you useyour card. Details of commission charges will appear on youraccount statement with each transaction. This does notinclude any additional fees that a cash machine owner mayimpose on you for using this service.✓ You can withdraw up to the equivalent of your dailywithdrawal limit in local currency per day provided you havesufficient funds cleared in your account and provided that theforeign bank does not impose a local limit.

How to Contact UsYou have access to your account includingenquiries at an ATM 24 hours a day, 7 days a weekfrom anywhere in the world, but there are timeswhen you may need to contact us.Lost/Stolen Emergency NumberIf you lose any Ulster Bank Debit Card, or have it stolenplease call our Card Loss Centre immediately on1800 245 399International Fraud NumberPlease call this number if your card is stoppedwhile abroad0044 131 339 7609Lines are open 24 hours.ID verification will be requested.drop into your local branchwww.ulsterbank.comThis brochure is also available in Braille, large print, audioor on disk. Please contact your local branch for details orTextphone 1800 924 615.Ulster Bank Ireland Limited. A private company limited by shares, tradingas Ulster Bank, Ulster Bank Group and Banc Uladh. Registered inRepublic of Ireland. Registered No. 25766. Registered Office: Ulster BankGroup Centre, George’s Quay, Dublin 2. Member of The Royal Bank ofScotland Group. Ulster Bank Ireland Limited is regulated by the CentralBank of Ireland. Calls may be recorded.VDCC ROI 03/11