Open an Ulster ufirstgold Account | Ulster Bank Accounts

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ufirstgold Account

A current account with benefits for £10 a month

Apply now Upgrade your account

Are you upgrading a sole or joint account?


To apply you need to be aged 18 or over and resident in the UK.

Available to customers aged 18 or over, resident in the UK. Lending criteria, terms and conditions apply.


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Features and benefits                                           Switch to Ulster                                        I'd like to upgrade to ufirstgold         

Existing ufirstgold customers                        I'm ready to apply

From 1st October 2019, we're changing our mobile phone insurance provider from Aviva Insurance Limited to American International Group UK Limited (AIG). Administered by Brightstar Insurance Services. There is no change to the level of cover provided, except for the removal of cover for unauthorised calls.

With a ufirstgold Account you'll enjoy:


Annual worldwide travel insurance

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.  

Boy looking out to sea 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

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

Our Travel Insurance is underwritten by U K Insurance Limited.

Mobile phone insurance

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

Mobile phone in the sand 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 successful claims can be made on this policy in any 12 month period. If this is a joint account, both account holders can make 2 successful claims, with a maximum of 4 per account.
  • Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts.
  • There is a £100 excess for each successful claim.

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

Our Mobile Phone Insurance is underwritten by Aviva Insurance Company Limited.

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 Northern Ireland, the Republic of Ireland and the rest of the UK.

Cash-back applies on up to four tickets per event and you can take advantage as often as you like, as long as you are attending the event. Tickets must be booked by phoning the ufirstgold membership services - Ticketmaster events can be booked online.

Couple on night out How does it work?

How does it work?

  • Tickets have to be booked by phoning the ufirstgold 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.

Interest-free arranged overdraft buffer

You can apply for an interest-free arranged overdraft buffer of up to £250 (subject to credit review and approval). This means you won’t be charged arranged interest if your balance remains below the approved buffer. If your arranged overdraft balance exceeds the approved buffer, you’ll be charged arranged overdraft interest on the full arranged balance.

If you go overdrawn without an arranged overdraft, or go over your agreed limit, fees and interest may apply.

Ulster Bank brochure More on overdrafts
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.


Thinking of switching your bank account to us?


Moving your bank account to us is easy, simply tell us that you want to switch when completing your application. Our dedicated switching team will do all the hard work for you. We'll:

  • Transfer your salary to your new account
  • Set up your payments (standing orders, Direct Debits and bill payments)
  • Transfer any credit balance from your old account

And we'll do it all within seven working days.

Switch guarantee logo
Upgrading your account

If you already have an Ulster Bank current account you can upgrade to a ufirstgold Account without any interruption to the running of your account. Simply complete the online application form and we'll take care of the rest.

Couple out for dinner


You keep your existing account number and sort code

Your Direct Debits and standing orders remain unchanged

You retain your existing overdraft facility and debit card (if applicable)

Step and Adapt accounts can't be upgraded, but you can apply for a new ufirstgold Account.

Upgrade your account

Are you upgrading a sole or joint account?


To apply you need to be aged 18 or over and resident in the UK.

Already got 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
ufirstgold Account Ready to apply?
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