Current Account - Current Accounts | Ulster Bank

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Current Account

Easy, everyday banking and no monthly fee

Apply online

Available to UK residents aged 18 or over. Lending criteria, terms and conditions apply

At a glance

No monthly fee
One less thing to think about.

Overdraft
Flexibility when you need it, subject to credit review and approval. If you go overdrawn without having an arranged overdraft, or go over your agreed limit, fees and interest may apply. 

Visa debit card
Withdraw cash worldwide and make purchases in store and online.

Pay your bills
Make regular payments by Direct Debit or standing order.

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Take a look at A guide to personal accounts fees and interest for information on fees and charges.

An overdraft is repayable on demand. Overdrafts may not be exceeded without prior permission. If you exceed your limit, we will charge interest at the rate stated in A guide to personal accounts fees and interest. A Maintenance Charge and other charges may also apply. 

Additional features What else can you expect?
Emergency Cash service

If your debit card is lost or stolen we will cancel your card and let you withdraw up to £300 from our ATMs if you're an Anytime Banking customer, or up to £60 if you're not.

More on Emergency Cash

Avoid unnecessary charges

Text Alerts are a simple way to keep you up to date with your accounts. They can help you manage your money and avoid or minimise overdraft fees.

More on Text Alerts

Mobile Banking

Our mobile app is simple, clever and easy to use - you can even use it to withdraw cash from our ATMs and make payments to friends and family using just their mobile number. App available on most smartphones to customers with Anytime Internet Banking and a UK mobile number beginning in '07'. 

More on Mobile Banking

Banking to suit you

We have a local call centre, online banking and web chat services. Plus, we have the largest branch network in Northern Ireland with some branches opening on Saturdays from 10am until 1pm.

More on ways to bank

Thinking of switching to us?

Moving your account to us is easy, simply tell us that you want to switch when completing your application. Our dedicated switching team will do all the hard work for you. We'll:

  • Transfer your salary to your new account
  • Set up your payments (standing orders, Direct Debits and bill payments)
  • Transfer any credit balance from your old account

And we'll do it all within seven working days.

Find out more about switching to us
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What you need to open an account

If you're applying online, try and have a passport or a Northern Ireland/UK/Republic of Ireland driving licence to hand along with a working credit or debit card.

If you don't have these available, don't worry. You can still apply online and we will ask you to provide other forms of ID and proof of address that we can accept.

Find out more about what documents we can accept
Current Account Ready to apply?
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