Mother and child on sofa

Step Account

Stay in contol of your finances with our basic bank account

Available to UK residents aged 18 or over. Terms and conditions apply

Our most straightforward account

The Step Account could be ideal if you want a simple, straightforward account with no credit facilities or cheque book.


No monthly fee
One less thing to think about.

Withdraw up to £300 cash per day
Access your funds when you need to.

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.


Girl with umbrella

If you don’t have funds available for a transaction and we decide not to pay it, an Unpaid Transaction Fee will apply per item. See A guide to personal accounts fees and interest for more information on fees and charges.

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.

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
Switch guarantee logo
Financial Services Compensation Scheme

Your eligible deposits with Ulster Bank Limited are protected up to a total of £75,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Please click here (84 KB PDF) for further information or visit

Step Account

Ready to apply?

Apply online
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