ufirst Premier Current Account - Premier banking | Ulster Bank Accounts

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ufirst Private account

Our premium packaged account for £26 per 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.

 

On this page:

 

Features and benefits                                 Important information                 

Existing ufirst Private customer              I'm ready to apply          

 

Why choose a ufirst Private Current Account?

  • Your own Premier Banking Manager and relationship support team
  • An exclusive branded cheque book and serviceCARD
  • Access to preferential financial rates and services, as well as a Private Reserve Savings Account
Relationship Manager meeting a client in their home

You will normally need a sole annual income of at least £75,000 paid into your Ulster Bank account (£100,000 in the case of a joint application), or savings and investments of at least £100,000 held with us or another financial institution (proof of savings required).

Find out more about our Premier Banking service

Account features

All the benefits of our Private Current Account

  • Your own Premier Banking Manager and support team
  • Access to preferential financial rates and services
  • Exclusive branded Visa Debit card and Ulster Bank rewards
  • Emergency Cash service if your debit card is lost if stolen
  • Utilise our easy to use mobile app and Internet Banking services

Annual worldwide travel insurance

(underwritten by U K Insurance Limited)

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.

 

How does it work?

Mobile phone insurance

(underwritten by American International Group UK Limited)

You and your family’s phones are 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.

 

How does it work?

Worldwide airport lounge access

DragonPass Premier gives you unlimited access to over 1,000 lounges worldwide, plus you can enjoy discounts at airport restaurants, cafes and spas. Many lounges can now be pre-booked for just £5 per person per visit to avoid disappointment during busy travel times. You can also bring travel guests (£20 per person).

 

How does it work?

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 the UK and Ireland. Cash-back applies to up to four tickets per event.

 

How does it work?

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.

 

More on Overdrafts

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 |   £1.72    |   £7.37  |   £14.85   |

 

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: 19.49% EAR (variable). Representative APR: 19.49% APR (variable). Assumed credit limit: £1,200.

 

More on Overdrafts

 

 

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)

Important information

You will normally need a sole annual income of at least £75,000 paid into your Ulster Bank account (£100,000 in the case of a joint application), or savings and investments of at least £100,000 held with us or another financial institution (proof of savings required).

 

Details are also available from your Premier Banking Manager.

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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Already a ufirst Private customer?

To get the most from your account and take advantage of your benefits, simply visit ufirst membership services.

Visit the ufirst membership website
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