Switch Bank Accounts | Ulster Bank Accounts

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Switch to Ulster

Switching your bank account to us is easy

You can apply for a current account if you are a UK resident aged 18 or over. Restrictions apply for Private current accounts.

 

On this page:

 

Switching timeline            The switching service           Switch bank account - FAQ's             I'm ready to switch      

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.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

Current Account Switch Guarantee logo
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What can I expect to happen?

Day 1 and 2

The Current Account Switch Service will contact your old bank who will confirm if the switch can go ahead

Day 3

Your new account will then be set up and your payments moved across, such as your salary, direct debits and standing orders

Day 6

We talk to your old bank about transferring your balance over

Day 7

Your balance will then be transferred and old account closed. And that's your switch complete.

How to switch bank accounts - FAQ's

Which accounts can I switch?

You can use the service to switch your current account from and to any of the participating banks and building societies. Joint accounts can be switched, as long as both parties agree to the switch and you are switching to another joint account. It is not possible to use the service to switch a joint account to a sole account.

 

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

What happens to payments that people send to my old account?

We will automatically redirect all incoming and outgoing payments to your new account. Each time a payment is redirected, an automatic message is sent back to the originator advising them of your new account details so they can update their records. Some organisations may contact you directly to confirm your details have changed. If you do not want your new details to be given to someone who sends a one-off payment, then please let us know.

Will I be able to use my old account during the switch?

Your old account will still be active and usable right up to and including Day 6. So, you can still pay with your card, and use online banking and mobile banking.

 

Just remember not to set up any new payments on your old account, as we can’t transfer new payments across.

What if I change my mind?

You can cancel your switch up to seven working days before your switch date. If you do want to cancel, let us know and we will guide you through this process.​

Can I switch my current account if I am overdrawn?

You will need to agree any overdraft facilities you require with us. We may be able to provide facilities to help you pay off any existing overdraft you may have, subject to our normal lending criteria. If you do not come to an agreement with us you must make separate arrangements to repay your existing overdraft before you switch.

Do I have to close my old account?

If you use the Current Account Switch Service to switch, your old bank will close your old account. This ensures that any payments made to your old account are automatically redirected to your new account with us.

 

If you would like to keep your old account open then you are free to do so, but you won’t be able to use the Current Account Switch Service to do this, and you will not be covered by the Guarantee. Speak to your existing bank and they can help explain your options.​

I've allowed third parties access to my financial data. Will this be switched too?

No, you’ll need to cancel and re-authorise these with your new account details. You would need to contact the third party providers directly to discuss setting up payments with us. If your old account is still open, your bank will be able to tell you which third parties you’ve given permission to make payments on your behalf, and/ or access your financial data.

 

Not all Third Party Providers services are supported by all banks and building societies, so there’s a chance that the Third Party Providers on your old account may not be able to access your new account. Please check our terms and conditions for more information about Third Party Providers.

Ready to switch?

To help your switch progress as smoothly as possible, please ensure your personal details are the same on both your Ulster Bank account and the account you’d like to move. If you are moving a joint account, this can only be switched to a joint account in the same names.

 

New to Ulster Bank?

Simply choose a current account and complete the online application or give us a call. To switch to a Permier bank account you'll need to visit us at your local branch. As part of your application we'll ask for the details of the account you want to move.

Choose your account

Already have an Ulster Bank current account?

If you would like to switch into an existing account please visit your local Ulster Bank branch and we will help you complete your switch.

 

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