Student Account - Current Accounts | Ulster Bank

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Student Account

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Available to UK residents aged 18 or over, in a full-time third level course which lasts at least two and no longer than five years. Lending criteria, terms and conditions apply.

Account features when banking with us

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

Access your account anytime with 24-hour UK call centres, online banking or our mobile app. We also have one of the UK's largest branch networks.

We have lots of ways to bank with us, whether you want to use your mobile phone, tablet, or even use one of our mobile branches in more rural locations in the UK. There's plenty of ways to make managing your money easier.

App available on selected smartphones, to NatWest customers with Online Banking and a UK mobile number.


Ways to bank with us

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

Our mobile app lets you withdraw money (up to £130 of your money per day, you must have at least £10 available, including any overdraft facility) from Ulster Bank, RBS, NatWest or Tesco cash machines.

Get Cash is a function on our Mobile Banking app that lets you withdraw money quickly without using your bank card. It's great for those times, when you pop out during your lunch hour, but don't have cash on you.


More about Get Cash

Pay back your friends with our mobile 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 or registered for Paym.

If the person you’re paying is a NatWest, RBS, Ulster Bank, NatWest Offshore or Isle of Man Bank Mobile app user, they’ll receive a text and the money will be in their account instantly.

If the person you are paying does not have the Mobile app then we can send the payment via the Paym service. This is a service that is available to customers of most of the UK's leading banks and building societies. If your friend is registered for Paym with their own bank then the money will be in their account instantly.

You must have available funds to send from your account (including any overdraft facility). There is a maximum payment of £250 a day, which is separate from daily withdrawal and Get Cash limits.


More about mobile payments

Are your finances University ready? Check out our Student range

Overdraft details


An arranged overdraft can be useful for short term borrowing. It allows you to go overdrawn up to an agreed limit. The arranged overdraft fee is not applicable to the Student overdraft. An unarranged overdraft is when you spend more money than you have in your current account, without already having an arranged overdraft limit.You can check if you're likely to be accepted for an overdraft using our eligibility tool.

Both arranged and unarranged overdrafts will cost you money in fees, but an unarranged overdraft will cost you more. You can use our cost calculator to see how much an overdraft would cost you to use.

An overdraft is a form of borrowing and is repayable on demand. If you don't pay it back, it could have an impact on your credit score and could result in household bills being rejected.

Find out more

Student Credit Card


A great partner to your Ulster Bank student credit card

Enjoy a credit card that is designed to help with student life, is easy to manage and has a credit limit of up to £350, plus:

  • Online and mobile management, plus SMS reminders
  • No annual fee

Available to UK residents aged 18 or over who already have an Ulster Bank student account. 


Representative 18.9% APR (variable)

Find out more

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)
Add your signposting title here… Common questions

Important Information

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.

Student Account Ready to apply?
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