Open an Ulster ufirstgold Account | Ulster Bank Accounts

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Switch in or change your account to ufirstgold

Our account with extra benefits for £10 a month

Available to existing current account customers. 

Please note, due to the ongoing global COVID-19 pandemic it is taking us a little longer than we'd like to process new account applications. We're working hard in the background to open your account as quickly as possible. Thank you for your patience.

 

On this page:

 

Features and benefits                      Travel insurance guidance             


Change my account                          Existing ufirstgold customers

Account features

Worldwide travel insurance

(underwritten by U K Insurance Limited)

You and your family can enjoy automatic multi-trip cover for up to 31 days per trip, plus 17 days winter sports cover per year. If you have an existing medical condition, please note that your cover may exclude certain conditions.

How does it work

How does it work?

  • Cover automatically begins when you open your ufirstgold Account
  • Cover includes you, your partner and children under 18 (or under 23 and in full-time education)
  • You have to live in the UK, Republic of Ireland or Channel Islands and have not spent more than six months abroad during the last year
  • If you have an existing medical condition, you may have to pay an annual premium or your cover may exclude certain conditions - please call 0370 600 0661 (Relay UK: 18001 0370 600 0661) or confirm your premiums and cover online.

 

If our insurers U K Insurance Limited (UKI) are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

UKI have been working with the Financial Conduct Authority and the Money and Pensions Service to create a directory that you can search when UKI are unable to help.

Money Advice Service Directory

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777

Monday to Friday, 8am to 6pm | Saturday, Sunday and Bank Holidays, closed

Please ensure you take your travel insurance certificate and policy with you when you travel. They can be found in the ufirstgold user guide.

15% cash-back on concerts, shows and sporting events

Enjoy cash-back on everything from top sporting events and music concerts to your favourite comedians, theatre and dance shows throughout the UK and Ireland. Cash-back applies to up to four tickets per event.

How does it work

How does it work?

  • Tickets have to be booked by phoning the membership services on 0370 600 0661*. Ticketmaster events can be booked online through the membership website

* Lines are open Mon - Fri 8am - 8pm (excluding bank holidays) and Sat 9am - 5-pm. Calls cost up to 10p per minute plus up to 16p connection charge from BT lines. Calls from other networks may vary. Calls may be recorded.

Mobile phone insurance

(underwritten by American International Group UK Limited)

Your phone is automatically covered for loss, theft, accidental damage and breakdown (once your manufacturer’s warranty has expired), wherever you are in the world. The excess for each approved claim is £100.

How does it work

How does it work?

  • Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis.  There is no cover for phones owned by your employer.
  • In total 2 approved claims can be made on this policy in any 12 month period. If this is a joint account, each account holder can make 2 approved claims, with a maximum of 4 per account.
  • Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts and include a 12-month warranty.
  • There is a £100 excess for each approved claim.

Cover starts as soon as your account is open, but you can register your handset to make the claims process quicker.

Travel insurance relating to Coronavirus (COVID-19) and any other pandemic

You should refer to the Travel Insurance Terms (including the endorsement) as this will affect your cover. 

We have outlined what your travel insurance will and will not include cover for below.

For more information about travel insurance during COVID-19, you can refer to our FAQs

 

Your travel insurance will include cover for:

Your travel insurance will include cover for:

  • Illness: cancelling a trip due to serious illness (including COVID-19 or another pandemic)

  • Emergency medical & related costs: emergency medical treatment while on a trip or for cutting short a trip due to illness (including COVID-19 or another pandemic), provided you were not suffering from the illness when you booked the trip and you were fit to travel when your trip started

  • FCDO advice: cutting short a trip if the Foreign, Commonwealth & Development Office (FCDO) is advising against travel to your destination, providing the advice came into force after you started your trip

Your travel insurance will not include cover for:

If you need to cancel your trip before it starts you will not be covered for any of the following reasons:

 

  • Quarantine: having to quarantine or self-isolate, including as a result of Government or local authority action due to COVID-19 or another pandemic

  • FCDO advice: following FCDO advice related to COVID-19 or another pandemic

  • Catastrophe cover: you being unable to use your pre-booked and pre-paid accommodation because the accommodation or immediate surrounding area has been affected by COVID-19 or another pandemic

Overdraft details

How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

There are two different types of overdraft:

 

  • An arranged overdraft, which allows you to go overdrawn up to an agreed limit. This is the type of overdraft you could apply for here. During your application for an arranged overdraft, we'll run a full credit check to determine how much we can offer you.
  • An unarranged overdraft. This is when you spend more money than you have in your current account without already having an arranged overdraft, or when you exceed your current arranged overdraft limit.

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected.

 

More on Overdrafts

How much does my overdraft cost in pounds and pence?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.



This account offers an Overdraft facility (subject to eligibility). You can check if you're likely to be accepted for an overdraft using our eligibility tool

 

As an example, the interest cost of using a £500 arranged overdraft is: 

 

Time Period   |   7 days  |  30 days |  60 days |

Interest Cost |   £3.24    |  £13.87  |   £28.13   |

 

This is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.

 

Looking to understand the costs of an overdraft of more or less than £500 over different periods of time? Use our handy cost calculator.


If you don't pay it back, it could have an impact on your credit score.

 

Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200.

 

More on Overdrafts

 

 

For our existing customers

To upgrade or switch you need to be an existing current account customer.

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Switch to Ulster bank

Switch a current account held elsewhere to your existing account using the Current Account Switch Service.

How does the switch service work?

Upgrade or change my account

Change your existing Ulster current account online.

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Already have a ufirstgold account?

To get the most from your account and take advantage of your benefits, simply visit ufirst Membership Services.

Visit the ufirstgold membership website
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