Student Account - Current Accounts | Ulster Bank

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Student Account

Our hassle-free bank account for your further studies

Apply online

Available to UK residents aged 18 or over, in a full-time third level course which lasts at least two and no longer than five years. Lending criteria, terms and conditions apply.

At a glance What do you get with your bank account?
Flexible ways to bank

Apply online for a Visa debit card, 24/7 Anytime Internet Banking plus our handy mobile banking app.

Get Cash service

Forgotten your debit card? Withdraw cash from our ATMs using our mobile app (limits apply). Find out more.

Commission free travel money

Pick up commission-free foreign currency at your local Ulster Bank branch before you travel.

Interest-free student arranged overdraft

Interest free arranged overdraft of up to £1000 (more for certain degrees, subject to credit review & approval).Students studying medicine, dentistry, law, accountancy, pharmacy, optometry, physiotherapy and veterinary science can apply for an overdraft limit of up to £3,000
If you go overdrawn without having an arranged overdraft,or go over your agreed limit, fees and interest may apply.

To find out more on our student overdraft or to request a change to your existing limit, see our student overdrafts page.

The UB student credit card

A great partner to your Ulster Bank student credit card

Enjoy a credit card that is designed to help with student life, is easy to manage and has a credit limit of up to £350, plus:

  • Online and mobile management, plus SMS reminders
  • No annual fee

Representative 18.9% APR (variable)

Find out more about our student credit card
Ulster Bank Student Credit Card

Available to UK residents aged 18 or over who already have an Ulster Bank student account.

Add your signposting title here… Common questions

Medical Elective Loan

  • If you're a QUB medical student, you can apply for up to £15,000 to fund your elective studies. An element of the loan may also be used to fund your final year
  • You must begin to repay the loan within 12 months of graduating and complete payments within 5 years, or you can delay repayment for up to 2 years
  • Elective loans are available to existing and new to bank customers (subject to credit review and approval)

Important Information

You must use your Ulster Bank Student Account as your main account and pay in regular amounts such as parental contribution, salary, student loan or other funding. Only one current account is permitted for each student.

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

Student Account Ready to apply?
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