

Available to UK residents aged 18 or over. Lending criteria, terms and conditions apply
testNo monthly fee
One less thing to think about.
testOverdraft
Flexibility when you need it, subject to credit review and approval. If you go overdrawn without having an arranged overdraft, or go over your agreed limit, fees and interest may apply.
testVisa debit card including Ulster Bank Rewards
Withdraw cash worldwide and make purchases in store and online. Now including cashback at selected retailers when you register with Ulster Bank Rewards.
testPay your bills
Make regular payments by Direct Debit or standing order.

Take a look at Your Current Account Terms for information on fees and charges.
An overdraft is repayable on demand. Overdrafts may not be exceeded without prior permission. If you exceed your limit, we will charge interest at the rate stated in Your Current Account Terms. Other charges may also apply.
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.
You can apply for an interest-free arranged overdraft (subject to credit review and approval). An arranged overdraft can be useful for short term borrowing. It allows you to go overdrawn up to an agreed limit.
An unarranged overdraft is when you spend more money than you have in your current account, without already having an arranged overdraft limit.
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. App available on most smartphones to customers with Anytime Internet Banking and a UK mobile number beginning in '07'.
Both arranged and unarranged overdrafts will cost you money in fees, but an unarranged overdraft will cost you more.
An overdraft is a form of borrowing and is repayable on demand. If you don't pay it back, it could have an impact on your credit score and could result in payments and household bills being rejected.
Thinking of switching your bank account to us?
The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.
What you need to open an account

If you're applying online, try and have a passport or a Northern Ireland/UK/Republic of Ireland driving licence to hand along with a working credit or debit card.
If you don't have these available, don't worry. You can still apply online and we will ask you to provide other forms of ID and proof of address that we can accept.
How your information might be used
It’s important for you to understand how we use and share your information. Please read this short summary before you continue with your application.