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.
Switch in or change your account to ufirstgold
Our account with extra benefits for £10 a month
Available to existing current account customers. We're not accepting applications for new accounts at this time. We apologise for any inconvenience.
Account features
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.
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.
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.
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.
Important information
Please save and/or print a copy of the documents below.
For our existing customers
To upgrade or switch you need to be an existing current account customer.
We're not accepting applications for new accounts at this time. We apologise for any inconvenience
Switch to Ulster bank
Switch a current account held elsewhere to your existing account using the Current Account Switch Service.
Upgrade or change my account
Change your existing Ulster current account online.
Already have a ufirstgold account?
To get the most from your account and take advantage of your benefits, simply visit ufirst Membership Services.