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Loyalty Saver

Manage your account your way

Apply online

What is Loyalty Saver?


Our Loyalty Saver is an instant access account which is suitable for lump sum savings, but still gives you the option to make additional lodgements whenever you like. The Loyalty Saver is:



Gives you instant access online, over the phone, in the branch


Pays you interest each January direct to your account


Lets you have the freedom to save as regularly as you like

The need to knows


  • A minimum balance of £2000 and maximum balance of £1,000,000 should be maintained on the account. If the balance falls below £2000, the nominal rate of 0.01% gross / AER (variable) will apply.
  • You can apply for a Loyalty Saver account online, over the phone or in your local branch
  • You need to be over 18 and resident in the UK to open an account
  • You are required to register for Anytime Banking to access your savings over the phone or online. When you are making a transfer online or over the telephone the limits will be advised to you
  • If you don't wish to register for Anytime Banking you can manage your account through your local branch
  • Terms and conditions apply




    Balance    Gross / AER (variable)
£25,000 - £1,000,000 0.75%
£2,000 - £24,999 0.50%

  • Interest paid annually in January
  • Gross is the interest paid before tax is deducted
  • AER stands for annual equivalent rate and illustrates what the rate would be if paid and compounded each year
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

Find out more about how to apply

Young man on laptop Apply online

Select Apply Now from the Next Steps section below.

Mobile phone image Apply over the phone

To apply call us on 0800 046 6486

Lines are open: Monday to Friday 8.30am-7.30pm, except bank holidays, and Saturdays 9am-2pm. Calls may be recorded.

Account queries

Please contact our telephone banking service on : 0345 742 4365

(+442890 538 033 if calling from abroad).

Lines are open 24 hours a day. Calls cost up to 10p per minute plus up to 16p connection charge from BT lines. Calls from other networks may vary. Calls may be recorded

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Visit any branch of Ulster Bank to apply.

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Loyalty Saver

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