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                               £100 switch offer                                    Travel insurance guidance

 

Change my account                                  Existing ufirst Private customer                     

Switch to us and we'll give you £100!

Apply to Switch

 

Switch into an existing account with us by 19th November 2020. We may end this offer at any time

Fill out your Switch details

 

Within 7 days The Current Account Switch Service will automatically move your existing payments and close your old account

How does the Switch service work?

 

Switch criteria

 

Pay in at least £1,500 and log in to our mobile app or Anytime Banking by 30th December 2020

 

Pay day

 

£100 will be paid to your Ulster Bank account by 29th January 2021

 

Switching into an existing account? Head to your nearest Branch to complete your Switch.

Take a look at the full offer Terms and Conditions (PDF, 38KB). 

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

Current Account Switch Guarantee logo

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?

Important guidance on your travel insurance

You should refer to the policy terms and conditions for details of the cover provided.  We know you will want to understand how that applies to the Covid-19 pandemic and this is summarised below for some of the main queries we receive.

Your Travel insurance will provide cover for cancelling a trip if:

  • you have Covid-19, or
  • 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 Office (FCO) 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 FCO advice against 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.

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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