Visa Card
If you need an international credit card, the Visa card is one of the most popular and widely accepted. Visa can be used in literally millions of outlets the world over – just look for the Visa sign in the window.

Cash when you travel
If you need local currency, you can withdraw funds from one of thousands of ATMs in more than 170 countries around the world 24 hours a day, 7 days a week. (A handling charge of 2%, with a minimum of £2, is added to any cash advance.)

You can withdraw up to £500 a day from ATMs and banks. When you’re abroad, you can withraw the equivalent of £500 per day in local currency. (Please note that foreign transactions incur an administration fee.)

*For security reasons and to maintain a high level of Customer Support, telephone conversations may be recorded or monitored.

Important information
All credit facilities are subject to status, and applicants must be 18 years or over.

SUMMARY BOX – Northern Bank Visa

The information contained in this table summarises key product features and is not intended to replace any Terms and Conditions
Typical 17.9% APR Variable
Other Interest
Rates

Introductory Rate

Monthly
Rate
Simple
Annual
Rate
EAR*
Purchases0% (for 5 months from date of card issue) if we tell you in writing that you are entitled to an Introductory Rate

1.38%

16.56%

17.9%
Cash Advances
N/A
1.38%
16.56%
17.9%
Balance
Transfers		0% (for 5 months from date of card issue) if we tell you in writing that you are entitled to an Introductory Rate
1.38%
16.56%
17.9%
Interest Free
Period		Maximum 59 days for purchases and balance transfers. In addition there is an interest free period on purchases and balance transfers during the introductory period. There is no interest free period on cash advances.
Interest
Charging
Information		The periods over which interest is charged are as follows:
FromUntil
PurchasesThe date by which you must make your minimum payment as shown in your statement for the month in which the transaction is made.Repaid in full
Cash advancesTransaction dateRepaid in full*
Balance transfersThe date by which you must make your minimum payment as shown in your statement for the month in which the transaction is made.Repaid in full
* If you pay the balance in full, the interest charge for the period from the previous statement to the date of full repayment will be debited the following month.
Allocation of
Payments		We will apply payments we receive to your account as follows:

(i) Towards balances on which interest is charged at the Standard Rate;

(ii) Towards balances on which interest is charged at any rate which is less than the Standard Rate; and

(iii) Towards balances on which interest is charged at 0%.

See ‘Other Financial Information’ section of the Agreement.
Minimum
Repayment		Greater of 3% of outstanding balance or £5 each month. Please refer to ‘Key Financial Information’ in your Agreement for a more detailed description.

Only ever making the minimum repayment will significantly increase the t ime taken to clear your balance and cost you more.
Amount of
Credit		Minimum credit limit of £250 maximum credit limit subject to status.
FeesNo Annual Fee.
ChargesCash advances – 2% with a £2 minimum.

Copies of statements – £5 each.

Copies of transaction vouchers – £5 each.

Overseas transactions – 2.75% (including purchases of foreign currency and travellers' cheques).

Emergency Cards and Emergency Cash - £20 (if you should ask us to issue an emergency card or emergency cash to you)
Default ChargesLate payment fee – £12.

Administration fee for returned cheques or direct debits or other forms of payment for sums due – £10.

Contact

Get in touch with your local branch: Find your branch.

Lose your card?

Call us on*

  • MasterCard Standard
    0870 850 2481
    +44 2890 049201
  • MasterCard Gold
    0870 850 2482
    +44 2890 049202
  • MasterCard Platinum
    0870 850 2487
    +44 2890 049203

Your card will be blocked immediately. If you use Northern eBanking, you can also block your card in the Card Overview section.