Open a Basic Everyday Current Account | Ulster Bank Accounts

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£175 when you switch and stay with Ulster

Select - our everyday bank account

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


On this page:


Features and benefits                            Switch and stay for £175                       What do I need to open an account?


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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

Avoid unnecessary charges

Text Alerts are a simple way to keep you up to date with your accounts. They can help you manage your money and avoid or minimise overdraft fees.

More on Text Alerts

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

Banking to suit you

We have a local call centre, Anytime banking and web chat services. Plus, we have the largest branch network in Northern Ireland with some branches opening on Saturdays from 10am until 1pm.

More on ways to bank

Switch and stay for £175

Get £125 when you switch and another £50 when you're still with us a year later. This offer is available to new and existing customers in the UK.

Follow the steps below to switch:

1. Apply for a new account or switch in to an existing account with us before 17th May.

2. In the final steps of your application, select to switch to us. The Current Account Switch Service will then move your existing payments and close your account held elsewhere.

3. Once your account is open, pay in at least £1500 and log in to Anytime or Mobile Banking by 17th June. We'll then pay the £125 by 12th July.

4. Use your debit card for the account at least once a month and we'll pay you £50 by 31st May 2020.

Important information about switching

The Current Account Switch Service will do all the work when it comes to switching. This will include moving everything across from your old account to your new Ulster account, including Direct Debits, standing orders etc. all within 7 working days. All you need to do is tell us the details of your old bank account and when you want the Switch to start.


Please note that if you've had cashback for switching to NatWest or Royal Bank of Scotland since October 2017, you won't be able to get it again.


This offer can be withdrawn at anytime.


Before switching, take a look at the full offer Terms and Conditions.

How does the Switch Service work?
Switch guarantee logo

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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