ufirst Premier Current Account - Premier banking | Ulster Bank Accounts

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Premier customer with her daughter at home on her laptop

Change your bank account to a ufirst Private

Our premium packaged account for £26 per month

Available to existing current account customers. We're not accepting applications for new accounts at this time. We apologise for any inconvenience. 

 

On this page:

 

Features and benefits                               Travel insurance guidance

 

Change my account                                  Existing ufirst Private customer                     

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?

How does it work?

  • Cover automatically begins when you open your ufirst Private Current 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
  • If you have an existing medical condition, you may have to pay an annual premium or your cover may exclude certain conditions

If our insurers U K Insurance Limited (UKI) are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

UKI have been working with the Financial Conduct Authority and the Money and Pensions Service to create a directory that you can search when UKI are unable to help.

Money Advice Service Directory

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777

Monday to Friday, 8am to 6pm | Saturday, Sunday and Bank Holidays, closed

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

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?

How does it work?

  •  Covers the phone used on a daily basis by you, your partner and/or your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside term time).  There is no cover for phones owned by your employer.
  • In total 4 approved claims can be made on this policy in any 12 month period.
  • 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.

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?

How does it work?

We’ll automatically send you a DragonPass Premier membership card when you open or upgrade to uFirst  Private account.

You will need your membership card to gain access to lounges and receive discounts at spas and restaurants.

A digital version of your membership card is also available through the dedicated DragonPass Premier app which is free to download from the Apple App and Google Play store.

The app provides full details about your benefits including lounge locations and opening times, and the ability to purchase guest visits and pre-book selected lounges.

If you have a joint account and are travelling with the other account holder, you will both need to show your membership cards, either the plastic version or through the app, to access lounges and receive discounts.

Airport lounges are owned and operated independently of DragonPass. Admission is granted subject to capacity and at the discretion of the lounges.

Learn more and download the DragonPass Premier app            

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?

How does it work?

  • Tickets have to be booked by phoning the 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.

Travel insurance relating to Coronavirus (COVID-19) and any other pandemic

Our travel insurance is changing from 5th January 2021 as a result of the COVID-19 pandemic. If you’re thinking about opening this account, make sure you read the endorsement alongside the Travel Insurance Terms below as this will affect your cover.

For more information about travel insurance during COVID-19, you can refer to our FAQs

Trips booked before 5th January 2021

For trips booked before 5th January 2021, your travel insurance will provide cover for cancelling a trip if:

  • you have COVID-19
  • you are quarantined before your trip starts

as long as you weren’t aware of this reason to cancel when you booked the trip or your cover started, whichever is later.

 

You will also be covered for cancelling a trip if:

  • the Foreign, Commonwealth & Development Office (FCDO) is advising against travel due to COVID-19, as long as this advice wasn’t in place when you booked the trip or your cover started, whichever is later.

 

When there is no FCDO advice against “all travel”, you will be covered whilst on a trip for emergency medical expenses including reasonable additional travel costs and for cutting short a trip due to COVID-19, as long as you weren’t aware of any reason to cut short your trip when you departed.

 

For more information about travel insurance during COVID-19, you can refer to our FAQs.

Trips including trips booked on or after 5th January 2021

For trips booked on or after 5th January 2021, you’ll no longer be covered for cancelling a trip due to:

  • Quarantine: having to quarantine or self-isolate, including as a result of Government or local authority action due to COVID-19 or another pandemic
  • FCDO advice: following Foreign, Commonwealth & Development Office advice related to COVID-19 or another pandemic
  • Catastrophe cover: you being unable to use your pre-booked and pre-paid accommodation because the accommodation or immediate surrounding area has been affected by COVID-19 or another pandemic

 

Your travel insurance will include cover for:

  • Illness: cancelling a trip if you, a close relative or travelling companion are diagnosed with a serious illness (including COVID-19 or another disease that’s declared a pandemic).
  • Emergency medical treatment: emergency medical treatment while on a trip or for cutting short a trip due to illness (including COVID-19 or another disease that’s declared a pandemic), provided you were not suffering from the illness when you booked the trip and you were fit to travel when your trip started.
  • FCDO advice: cutting short a trip if the FCDO is advising against “All Travel” or “All but essential travel” to your destination (due to reasons including COVID-19 or another disease that’s declared a pandemic), providing the advice came into force after you started your trip.

For more information about travel insurance during COVID-19, you can refer to our FAQs.

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

 

 

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.

For our existing customers

To upgrade or switch you need to be an existing current account customer.

We're not accepting applications for new accounts at this time. We apologise for any inconvenience 

Switch guarantee logo

Switch to Ulster bank

Switch a current account held elsewhere to your existing account using the Current Account Switch Service.

How does the switch service work?

Upgrade or change my account

Change your existing current account to a ufirst Private account by speaking to one of our Premier Banking managers.

Call us
Premier Banking team

To qualify for Premier, 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).

 

Call 0345 301 5105

 
Quicker, simpler, more secure banking over the phone
With our new Voice ID security feature for Telephone Banking it will authenticate you using your voice, so you don’t have to use your password. Register for Telephone Banking to get started.

 
Lines are open Monday to Friday 9am-5pm excluding Bank Holidays. 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. Voice ID is available to telephone banking customers aged 18+.

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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