Foundation Account - Current Accounts | Ulster Bank

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Foundation Account

An account with no overdraft facility or cheque book

Available to UK residents aged 18 or over. Terms and conditions apply

Our basic current account

The Foundation Account is our basic bank account which gives you instant access to your money. The account can not be applied for directly, you will be offered this account if you do not meet the criteria for any of the other accounts in our range.


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

Withdraw up to £300 cash per day
Access your funds when you need to.

Visa debit card
Withdraw cash worldwide and make purchases in store and online.

Regular statements
Check your account online or receive paper statements.

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See Your Current Account Terms for more information on fees and charges for other services.

Additional features Making everyday banking easy
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

Stay on top of your finances

Text Alerts are a simple way to keep you up to date with your accounts and help you to manage your money.

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.

More on Mobile Banking

Banking to suit you

We have a local call centre, online 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

Thinking of switching to us?

Moving your account to us is easy, simply tell us that you want to switch when completing your application. Our dedicated switching team will do all the hard work for you. We'll:

  • Transfer your salary to your new account
  • Set up your payments (standing orders, Direct Debits and bill payments)
  • Transfer any credit balance from your old account

And we'll do it all within seven working days.

Find out more about switching to us
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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.

Find your nearest Ulster Bank branch
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