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Nation · GB-NIR

Credit cards in Northern Ireland

Every card we hold for the United Kingdom, with issuers our Northern Ireland research names listed first. We do not yet hold region limits for cards in the United Kingdom, so some cards here may restrict who can apply — a credit union's membership rules, for example. The issuer's own page is the place to check.

*every note about Northern Ireland on this page quotes the page it came from, with the date we read it.

188
cards in the United Kingdom catalogue
3
regional issuers with branches here
1
sourced note
Northern Ireland, sourced

What is different about Northern Ireland

Each note is taken from the page shown under it. Rules change, so the date we read the page is printed beside it.

Market

Three banks are authorised to issue their own banknotes in Northern Ireland, besides the Bank of England's: Bank of Ireland (UK), Danske Bank (Northern Bank Limited) and Ulster Bank (National Westminster Bank plc).

“Three banks are authorised to issue banknotes in Northern Ireland:”
“Northern Bank Limited (trades as Danske Bank)”
“National Westminster Bank plc (trades as Ulster Bank in Northern Ireland)”
3 regional networks

Card issuers with branches in Northern Ireland

Where these issuers have branches, as the regulator's register lists them, with the date we read it. A branch here is not a limit on who may apply — many of these cards are open nationwide — and having no branch here does not rule a card out. The issuer's own page says who can apply. "Regional" means at least 90% of the issuer's branches are in one nation, this one among them.

Regional network

Ulster Bank

32 branches in Northern Ireland

Ulster Bank's Open Banking branch data lists 32 branches of "NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY" (FRN 121878) in Northern Ireland, out of 32 branches in 1 nation.

Source: Open Banking branch data (openapi.ulsterbank.co.uk) · read 20 Oct 2026

Ulster Bank · 6 on file

Ulster BankCard

Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferNo Annual Fee
Annual fee£0per year
Top earn rateNot published by Ulster Bank
Ulster BankCard

Credit Builder Card

Credit card issued by Ulster Bank.

Credit BuildingNo Annual Fee
Annual fee£0per year
Top earn rateNot published by Ulster Bank
Ulster BankCard

Longer Balance Transfer Card

Credit card issued by Ulster Bank.

Balance TransferNo Annual Fee
Annual fee£0per year
Top earn rateNot published by Ulster Bank
Regional network

Danske Bank

24 branches in Northern Ireland

Danske Bank's Open Banking branch data lists 24 branches of "Northern Bank Limited" (FRN 122261) in Northern Ireland, out of 24 branches in 1 nation.

Source: Open Banking branch data (obp-data.danskebank.com) · read 20 Oct 2026

Danske Bank · 3 on file

Regional network

Bank of Ireland (UK) plc

13 branches in Northern Ireland

Bank of Ireland (UK)'s Open Banking branch data lists 13 branches of "Bank of Ireland (UK) Plc" (FRN 512956) in Northern Ireland, out of 13 branches in 1 nation.

Source: Open Banking branch data (openapi.bankofireland.com) · read 20 Oct 2026

Bank of Ireland (UK) plc · 1 on file

The ledger

Other cards in the United Kingdom

Showing 24 of 178

Listed fullest record first — fee, earn rate, welcome offer and annual-fee check on file — not by merit. A blank on a tile is a figure we do not hold.

Royal Bank Of ScotlandMastercard

Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferNo Annual Fee
Annual fee£0per year
Top earn rateNot published by Royal Bank Of Scotland
Royal Bank Of ScotlandMastercard

Business Credit Card

Mastercard issued by Royal Bank Of Scotland.

BusinessCash Back
Annual fee£30per year
Top earn rate1%eligible fuel and EV charging providers
NatWestMastercard

NatWest Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferNo Annual Fee
Annual fee£0per year
Top earn rateNot published by NatWest
NatWestMastercard

NatWest Business Credit Card

Mastercard issued by NatWest.

BusinessCash Back
Annual fee£30per year
Top earn rate1%fuel and EV charging
American ExpressAmex

The Platinum Card®

Amex card issued by American Express.

Lounge AccessMetal Card
Annual fee£650per year
Top earn rate2xamextravel.co.uk
BarclaycardCard

Barclaycard Select Charge Card

Credit card issued by Barclaycard.

Business
Annual fee£42per year
Top earn rateNot published by Barclaycard

The full United Kingdom catalogue →

Questions

Northern Ireland: the short answers

What else is different about the card market in Northern Ireland?

Three banks are authorised to issue their own banknotes in Northern Ireland, besides the Bank of England's: Bank of Ireland (UK), Danske Bank (Northern Bank Limited) and Ulster Bank (National Westminster Bank plc). (Source: Bank of England.)

Which card issuers have branches in Northern Ireland?

Regional issuers in our catalogue with branches in Northern Ireland, with their branch count: Ulster Bank (32), Danske Bank (24), Bank of Ireland (UK) plc (13). A branch is where an issuer is, not a limit on who may apply; each issuer's own page says who can. (Source: Open Banking branch data.)