Switching to Ulster Bank
Switch in just seven working days
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Is it possible to match the overdraft I have with my old bank?
We can look to match the debit card and overdraft facility you had with your old bank. However, we will expect you to pay your main income into your Ulster Bank account. If you would like us to match your current facilities, please arrange a meeting with one of our customer advisers at one of our branches. Overdrafts are available to over 18s only.
Can I switch my current account if I am overdrawn?
Yes, and we may be able to provide facilities to help you pay off any overdraft, subject to our normal lending criteria. If this isn’t the case you must make separate arrangements to repay your old bank or building society what you owe.
Will switching affect my credit rating?
No, providing you repay any outstanding overdraft(s) on your previous account(s) as required by your old bank or building society. If there are any problems with payments (as part of the switching process) we will correct them and ensure your credit rating is not affected.
What if my old bank doesn't participate in the Switch Service?
If your old bank, building society or payment account provider is not participating in the Current Account Switch Service your account will be switched in no longer than 17 working days, provided your old bank responds to our requests within the required timelines.
When will the money in my old account be transferred to my new account?
You will be able to access the funds in your old account up to and until your switch date when they will be transferred to your new account.
How long will it take for my switch to complete?
It will take seven working days provided all of your information matches at your old bank and new bank. Other credits or debits to your account, for example Point of Sale or cheques may delay the switch or in some cases give cause to cancel the switch.