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Ulster Bank Current Accounts

Student account

Why apply for our Student bank account?

Interest-free overdraft up to £1000 with an instant online decision

Students studying medicine, dentistry, law, accountancy, pharmacy, optometry, physiotherapy and veterinary science can apply for an interest-free overdraft limit of up to £3,000

Easily use our mobile banking app

Multiple ways to pay: Apple Pay, Google Pay™  and contactless debit card. Limits apply

Withdraw up to £130 without your card every 24 hours at our ATMs (as long as it’s within your daily withdrawal limit, criteria applies)

No monthly fee

Account features

Account Features

Bank on demand. Want an easy way to manage your money? 

Access your account anytime.

Get cash without your bank card. No card? No worries!

Withdraw money from Ulster Bank, RBS, NatWest or Tesco cash machines without your card.

Pay back your friends with our Mobile Banking app

Pay Your Contacts lets you send money to someone with a UK mobile number who has an Ulster Bank, NatWest, RBS, NatWest Offshore, Isle of Man mobile app.

Commission free travel money - pack your bags! 

Pick up commission-free foreign currency online with Ulster Bank before you travel.

App available to customers aged 11+ with a compatible iOS and Android devices and a UK or international mobile number in specific countries. 

Understanding Overdrafts

An overdraft is a form of short term borrowing and is repayable on demand. If you don't repay what is owed, you could harm your credit score and borrowing capability. Understand the cost and impact of overdrafts and use our eligibility checker to find out if you’re likely to be approved below.

Medical Elective Loan

    If you're a QUB medical student, you can apply for up to £15,000 to fund your elective studies. An element of the loan may also be used to fund your final year.

    You must begin to repay the loan within 12 months of graduating and complete payments within 5 years, or you can delay repayment for up to 2 years.

    Elective loans are available to existing and new to bank customers (subject to credit review and approval).

Thinking of switching your bank account to us? 

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

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 310KB)

How does the Switch Service work?

Student FAQ's

Get ready to apply

Before you apply, we need to check you're happy with a few things and ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

  • You are a full-time, third-level student
  • Your course lasts at least two years and no more than five years
  • You are aged 18+ and either a UK Citizen or have been living in the UK for at least 3 years

You must use your Ulster Bank Student Account as your main account and pay in regular amounts such as parental contribution, salary, student loan or other funding. Only one current account is permitted for each student.

Now please take a look at the important legal info

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.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured.

All okay? You're nearly ready to start.

To speed up your application for our Student account, we need to confirm a few final things with you. It'll only take a moment.

Do we already know you?
Have you lived in the UK for:

You're all set

Your application will be completely online, as part of our checks we'll ask our partner HooYu to confirm your identity using; 

  • Proof of your UK student status, such as: UCAS status code, UCAS letter, letter from your University, and many more.
  • We’ll do this by matching your Photo ID to a selfie of you. You’ll need a device with a camera to upload these. We might also ask for other information like proof of address.  If you don’t have your ID to hand, you can finish this step later. 
  • Photo ID, which must be a Passport, UK or EU/EEA Driving Licence or an EU/EEA National ID card
  • Proof of your address, such as a utility bill, bank statement, driving license, UCAS letter, Student Finance letter or a letter from your University​.

Sorry, you can't apply for this account

Sorry, we can’t offer you the Student account.

You can view our full range of accounts and apply for a suitable one.

What would you like to do today?
Do you know your Anytime Banking details?
If you log into Anytime Banking, we can pre-fill some of the application for you.

You're all set

You’ll need these bits of info handy for your application:

  • Proof of your UK student status, such as: UCAS status code, UCAS letter, letter from your University, and many more.
  • Your customer number so we can pre-fill some of the application for you.
  • Photo ID, such as driving licence or passport.
  • Proof of your address, such as a utility bill, bank statement, driving license, UCAS letter, Student Finance letter or a letter from your University.

You're all set

You’ll need these bits of info handy for your application:

  • Proof of your UK student status, such as: UCAS status code, UCAS letter, letter from your University, and many more.
  • Your existing Ulster Bank account details.
  • Photo ID, such as driving licence or passport.
  • Proof of your address, such as a utility bill, bank statement, driving license, UCAS letter, Student Finance letter or a letter from your University.

You're all set

During the application, you'll need:

  • The account number and sort code of the account you want to change. You can find these in your app/Anytime Banking. 
  • Proof of your UK student status, such as: UCAS status code, UCAS letter, letter from your University, and many more.

As you’re changing your existing account to another, you’ll:

  • Keep your existing sort code, account number and debit card. Your existing standing orders and direct debits will stay the same. 
  • Retain your arranged overdraft limit.
  • See no impact to your credit rating.