Open an Everyday Bank Account | Ulster Bank NI Current Accounts

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Select - our everyday bank account

Easy, everyday banking and no monthly fee

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Available to UK residents aged 18 or over. Lending criteria, terms and conditions apply


On this page:


Features and benefits          What do I need to open an account?         I'm ready to apply


At a glance

No monthly fee
One less thing to think about.

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. 

Visa 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.

Pay your bills
Make regular payments by Direct Debit or standing order.

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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. 

Select account Account features
Emergency Cash service

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.

More on Emergency Cash

How do overdrafts work?

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.
You can check if you're likely to be accepted for an overdraft using our eligibility tool.

An unarranged overdraft is when you spend more money than you have in your current account, without already having an arranged overdraft limit.

Mobile Banking

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'. 

More on Mobile Banking

How much will an overdraft cost?

Both arranged and unarranged overdrafts will cost you money in fees, but an unarranged overdraft will cost you more. You can use our cost calculator to see how much an overdraft would cost you to use. 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.

Find out more


We're changing our overdraft pricing

On 27 March 2020 we will be making some changes. The changes vary depending on the account you have with us. You can find out more by visiting our overdraft pricing changes hub.

'Your Current Account Terms' - applies until 27th March 2020 (PDF, 205KB)
'Your Current Account Terms' - applies from 27th March 2020 (PDF, 188KB)

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.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

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.

Find out more about what documents 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.

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