Change Your Overdraft Limit - Overdrafts | Ulster Bank

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Changing your overdraft limit

Help to increase, decrease or remove your overdraft

Open to UK residents aged 18 or over with an eligible Ulster Bank current account. Lending is subject to credit review and approval.

Increasing your Arranged Overdraft

Increasing your arranged overdraft can cover your short term expenses. It's a form of debt and is repayable on demand. 

Always make sure you have enough money in your current account, or a suitable Arranged Overdraft limit in place, before any payments are due to come out of your account.

Only pay interest and/or fees when you use it

You will be charged an Arranged Overdraft Usage Fee of £6 each month you utilise your arranged overdraft as well as Arranged overdraft interest.  


The rate of Arranged overdraft interest depends on your account type highlighted within the table.

If approved, your limit may be applied to your account the next working day

If you apply Monday to Thurday before 5.30pm.  Apply anytime after this and it will take up to two working days.                                                                                                   

Get an instant decision if you bank with us online.  

Apply via online banking or the mobile app and we'll pre-fill your application for you, as well as let you know if you have been pre-approved for an overdraft.  If you are not registered for Anytime Banking you can register now.

Current Account  Interest free buffer  Arranged overdraft interest
Select Account  £10 19.89% EAR
Ufirstgold £250 19.89% EAR
Ufirst Private £500 14.89% EAR
Private Current Account £10 19.89% EAR

Decreasing or removing

Your Arranged Overdraft

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It's easy to change your existing overdraft limit

If you want to change your limit, simply tell us the total amount you would like, rather than the amount you want to increase or decrease your overdraft by.

To completely remove your overdraft limit, enter '0' when asked for the total limit you require on your account.

If you are not registered for Anytime Banking you can register now. Otherwise please contact your local branch to apply.

Overdrafts Change your limit online

You can apply online between 06:00 and 21:45.

By ticking this box I confirm that:

I have saved and/or printed a copy of the documents below and accept that upon completing this application, I will become bound by the terms contained in those documents.

Your Current Account Terms

Your Overdraft Charges 

Our Lending Commitments 

Ulster Bank subscribes to the Lending code. The code can be accessed here.

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