Graduate Overdrafts - Overdrafts | Ulster Bank

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Graduate overdrafts

Helping you find your feet after you graduate

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

With an Ulster Bank Graduate Account you can apply for an interest-free arranged overdraft of up to £1,500 for up to one year after you graduate (subject to credit review and approval).

Simply call into your local branch to apply and we will be happy to help.

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Manage your finances Keeping an eye on your account

Checking your balance regularly could help you avoid going into an unarranged overdraft. You can do this in many ways.

Mobile Banking

Keep track of your money wherever you are with our secure and easy to use mobile app.

More about our apps

Anytime Banking

Check your balance, pay bills and make transfers 24/7 from the comfort of your home.

More about Anytime Banking

Text Alerts

Alerts are a simple way to keep up-to-date with your accounts and avoid unnecessary charges.

More about Text Alerts

Important information

An overdraft is repayable on demand. Overdrafts may not be exceeded without prior permission. If we decide not to make a payment you may be charged an Unarranged Overdraft usage fee or an Unpaid Transaction Fee if we decide not to make a payment as detailed in Your Overdraft Charges.  We won't charge you more that £80 in a monthly charging period for an unarranged overdraft or any unpaid transactions. 

We may carry out credit scoring, where we assess whether credit is affordable for you based on the information you provide.

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

How your information might be used

It’s important for you to understand how we use and share your information.  Please read this short summary before you continue with your application.

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