Spending and budgets | Ulster Bank Northern Ireland

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A detailed view of your monthly spend with budget tracking

Get started

You must be aged 16+ and hold a Personal or Premier account to see the Spending tab in your mobile app. Spending is available for current and savings accounts. App available to customers with Anytime Banking using compatible iOS and Android devices and a UK or international mobile number in specific countries.

What is Spending?

Spending is a handy feature that automatically places your personal account transactions into categories, so you can get a detailed picture of where your money goes each month. You could even set up a budget against each category, challenging yourself to save more. 

Budget tracking, made simple

You could spend less and save more by setting yourself a monthly budget. This feature lets you add a budget to your Spending categories within our app, so you are in control of what you spend and where.

We sort your spend, so you don't have to

Your transactions will be automatically sorted into one of our twelve categories, giving you a clearer picture of how you spend your money.

What are the categories

Categories include;


  • Bills
  • Home & garden
  • Eating out
  • Transport
  • Shopping
  • Entertainment
  • Health & beauty
  • Groceries
  • Income
  • Other
  • Transfers
  • Uncategorised

You can manually change the category of any transaction once it’s fully cleared to your account.

A newsfeed just for you

We will fill your newsfeed with personalised insights. Helping you understand at a glance how you are doing against your budgets and where you’re spending the most.


Support with Spending

For any help or assistance when using Spending in the Mobile app, please see our frequently asked questions.

Visit our Frequently Asked Questions
To get started you'll need our mobile app

If you don't already have our mobile app, you'll need to download it to get started.

Get the app
Follow these three simple steps to get setup

1. Log in to your Ulster Bank Mobile Banking app and tap Spending from the options along the bottom of the screen

2. Select which accounts you'd like to include in your Spending view and choose the date you'd like your month to start, for example your payday

3. Set up your categories for the transactions shown on screen

Congratulations, you will now be set up for Spending in your app. 

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