Open an Ulster ufirstgold Account | Ulster Bank Accounts

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ufirstgold Account

A current account with extra benefits for £10 a month

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


On this page:


Features and benefits                                                                          

Existing ufirstgold customers                                                         I'm ready to apply

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, 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.


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 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.

Our Mobile Phone Insurance is underwritten by American International Group UK 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.



You can apply for an interest-free arranged overdraft of up to £250 (subject to credit review and approval).  An arranged overdraft can be useful for short term borrowing. It allows you to go overdrawn up to an agreed limit. An unarranged overdraft is when you spend more money than you have in your current account, without already having an arranged overdraft limit. You can check if you're likely to be accepted for an overdraft using our eligibility tool.

Both arranged and unarranged overdrafts will cost you money in fees, but an unarranged overdraft will cost you more. You can use our cost calculator to see how much an overdraft would cost you to use.

An overdraft is a form of borrowing and is repayable on demand. If you don't pay it back, it could have an impact on your credit score and could result in payments and household bills being rejected.


Ulster Bank brochure More on overdrafts

We're changing our overdraft pricing

On 27 March 2020 we will be making some changes. The changes vary depending on the account you have with us. You can find out more by visiting our overdraft pricing changes hub.

'Your Current Account Terms' - applies until 27th March 2020 (PDF, 205KB)
'Your Current Account Terms' - applies from 27th March 2020 (PDF, 188KB)
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)

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.

Visit the ufirstgold membership website
ufirstgold Account Ready to apply?
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