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.
testPay your bills
Make regular payments by Direct Debit or standing order.
testWithdraw up to £300 cash per day
Access your funds when you need to.
testVisa debit card
Withdraw cash worldwide and make purchases in store and online.
testRegular statements
Check your account online or receive paper statements.
See Your Current Account Terms for more information on fees and charges for other services.
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.
Text Alerts are a simple way to keep you up to date with your accounts and help you to manage your money.
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.
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.
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.
Your eligible deposits with Ulster Bank Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.
For more information, view the guide (84KB, PDF) or visit www.fscs.org.uk.
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.