Instant Access Accounts - Savings | Ulster Bank

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Instant Access

Get access to your money whenever you need to

Already have an instant access account?
What is an instant access savings account?

Our instant access accounts put you in control of your savings so you can access your money whenever and wherever you need to. The Instant Access savings accounts are:


Manage your account online, via the mobile phone app, through Telephone Banking or in the branch. When you are making a transfer online or over the telephone the limits will be advised to you


Make a withdrawal whenever you need to without any charges

Instant access savings at a glance



Loyalty Saver

Easy Access savings
Where do I apply ? Online, telephone  In branch
Minimum amount to open? £1 £1
How do I access my savings? Online, telephone*, mobile, in branch Online, telephone*, mobile, in branch
When is interest paid? On the first business day in January On the last business day in October
  Find out more Find out more






AER / Gross p.a ( variable )

Easy Access savings

£1 - £49,999 0.01%
  £50,000+ 0.05%
Loyalty Saver £1 - £49,999 0.01%
  £50,0000+ 0.05%

Interest rates effective from 21st December 2016


  • * If you want to access your funds and manage your account online or over the telephone you will need to register for Anytime Banking
  • Anytime Banking is available to those aged 11 and over with an eligible account. Some services may not be available on certain account types or to under 18s.
  • When you are making a transfer through Anytime internet and telephone banking, the limits will be advised to you. If you prefer not to register for Anytime Banking you can still manage your account through the branch. 






  • Gross Rate. This means the interest rate you are paid without the deduction of income tax
  • Annual Equivalent Rate (AER) is a notional rate used for interest bearing accounts, which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.

Your eligible deposits with Ulster Bank Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Please click here (84 KB PDF) for further information or visit

Please read before you apply

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