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.
ufirstgold Account
Our account with extra benefits for £10 a month
Available to customers aged 18 or over, resident in the UK. Lending criteria, terms and conditions apply.
Due to an unforeseen event impacting the travel industry, relating to Coronavirus COVID-19, we are temporarily not accepting new applications for our ufirstgold and ufirst Private accounts.
We apologise for any inconvenience.
Account features
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.
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.
Further information
For more information on the ufirstgold Account take a look at the ufirstgold user guide. Full details of fees and charges can be found in Your Current Account Terms.
Already got a ufirstgold Account?
To get the most from your account and take advantage of your benefits, simply visit ufirst Membership Services.