Available to UK residents aged 18 or over. Lending criteria, terms and conditions apply
testEasily use our mobile banking app
testMultiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit Card. Limits apply.
testArranged overdraft (subject to eligibility).
test No monthly fee
To apply, you need to be 18+ and a UK resident.
Switch into a new or existing account with us by 19th November 2020. We may end this offer at any time
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?
Pay in at least £1,500 and log in to our mobile app or Anytime Banking by 30th December 2020
£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).
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.
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.
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.
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.
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.
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:
We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected.
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.
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.
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.
