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

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


On this page:


Features and benefits           £100 switch offer       What do I need to open an account?         

I'm ready to apply


At a glance

Easily use our mobile banking app

Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit Card. Limits apply.

Arranged overdraft (subject to eligibility).

No monthly fee

To apply, you need to be 18+ and a UK resident.

Switch to us and we'll give you £100!

Apply to Switch


Switch into a new or existing account with us by 19th November 2020. We may end this offer at any time

Fill out your Switch details


Within 7 days The Current Account Switch Service will automatically move your existing payments and close your old account

How does the Switch service work?


Switch criteria


Pay in at least £1,500 and log in to our mobile app or Anytime Banking by 30th December 2020


Pay day


£100 will be paid to your Ulster Bank account by 29th January 2021


Switching into an existing account? Head to your nearest Branch to complete your Switch.

Take a look at the full offer Terms and Conditions (PDF, 38KB). 

Current Account Switch Guarantee (PDF, 39KB)

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

Current Account Switch Guarantee logo

Account features

Cashback with Ulster Bank Rewards

When you register with Ulster Bank Rewards, you'll enjoy great cashback bonuses when you shop at some of Ireland's favourite retailers. Simply register your Visa debit card for free, activate your offers by signing in, shop at participating retailers, and receive helpful cashback rewards.


More on Ulster Rewards

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

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 (limits apply). App available to customers with Anytime Banking using compatible iOS and Android devices and a UK or international mobile number in specific countries.


More on Mobile Banking

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 charges.


More on Text Alerts

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

Overdraft details

How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

There are two different types of overdraft:


  • An arranged overdraft, which allows you to go overdrawn up to an agreed limit. This is the type of overdraft you could apply for here. During your application for an arranged overdraft, we'll run a full credit check to determine how much we can offer you.
  • An unarranged overdraft. This is when you spend more money than you have in your current account without already having an arranged overdraft, or when you exceed your current arranged overdraft limit.

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected.


More on Overdrafts

How much does my overdraft cost in pounds and pence?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

This account offers an Overdraft facility (subject to eligibility). You can check if you're likely to be accepted for an overdraft using our eligibility tool


As an example, the interest cost of using a £500 arranged overdraft is: 


Time Period   |   7 days  |  30 days |  60 days |

Interest Cost |   £3.24    |  £13.87  |   £28.13   |


This is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.


Looking to understand the costs of an overdraft of more or less than £500 over different periods of time? Use our handy cost calculator.

If you don't pay it back, it could have an impact on your credit score.


Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200.


More on Overdrafts



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.

Ready to apply?
Apply now Change your existing account

Changing your existing account to a Select account

During the application, you'll need the account number and sort code of the account you want to change

As you're changing your account, the account details and debit card will stay the same. Just to make life easier for you.

Which account do you currently have with us?


To apply you need to be aged 18 or over and resident in the UK.

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