eSavings

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All you need to know about managing your eSavings account

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Managing your account

FAQs

This account is no longer available to new customers

Managing your account

Online or on the mobile app

You need to register for Anytime Banking in order to manage your account online or through our mobile app.

Secure transfers using a Card Reader

To keep your money safe you'll need a card reader to transfer money out of your account for the first time. You can find out how to order one here. If you don't already have an Ulster Bank account with a debit card we will send you an Anytime Banking card and PIN when you first order the reader. These will arrive separately within 10 working days.

Pay money in by online transfer only

All you need is your account number and sort code.

No minimum balance

There is no minimum balance, but there is a maximum balance of £5,000,000.

Anytime Banking available to customers aged 11+ with a Ulster Bank account. App available to customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries.

How to access your money

How can I take money out of my account? Close

How can I take money out of my account?

If you want to move money out of your eSavings Account, you’ll need to be registered for Anytime Banking, our online banking service, first.

You’ll also need a card-reader, card and PIN to enable you to move your money out of the eSavings Account.

Withdrawals to other banks have a daily limit and are currently restricted to £20k per working day.

Find out more information on making payments from your eSavings account.

I have lost my Anytime Banking card and PIN. How do I get a replacement? Close

I have lost my Anytime Banking card and PIN. How do I get a replacement?

If you lose either your card or pin, both items will need to be replaced because they are linked together. These items can be re-ordered by contacting our Help desk using our Chat Now link at the bottom of the page. The card and PIN should arrive separately within 10 working days.

What do I do if I need to make a payment from my eSavings account for more than the daily limit? Close

What do I do if I need to make a payment from my eSavings account for more than the daily limit?

If you wish to withdraw higher than the daily limit you can do this over a number of days. For example, if you wish to transfer £50,000 you can do this over 3 days – Day 1 - £20,000, Day 2 - £20,000 & Day 3 - £10,000. Alternatively you can fax or post your request to using this form.

If you need support completing the form please refer to our handy How to complete guide . This form includes the Terms and Conditions for making a CHAPS payment, which outlines your rights and responsibilities and those of the bank.

Please note your payment request may be delayed if you do not use this form.

Number to Fax your request to: 00353 16338182

Address to post your request:

Payments Team
7th Floor
1 Hardman Boulevard
Manchester
M33AQ

We may need to undertake additional security checks if you are requesting funds to be transferred to an account they didn’t originate from. This may mean we will contact you for additional identification to verify the request. Once our security checks are complete a funds transfers will be made the next working day. This process can take some time so please consider if setting up payments over a number of days would be quicker for you.

How do I order a card-reader? Close

How do I order a card-reader?

To order a card-reader for Anytime Banking:

Log in to your Anytime Banking service at
www.ulsterbankanytimebanking.co.uk
Select 'Security' from the menu.
In the 'Using a card-reader' section select 'Order a card-reader'.
Select a reason from the drop down menu.
Click 'Confirm'.

When you order a card-reader and do not have a valid Ulster Bank debit card we will send you an Anytime Banking card and PIN for use with the card-reader. These will arrive separately within 10 working days.

Is there a limit on how much I can take out of my account? Close

Is there a limit on how much I can take out of my account?

The Anytime Banking daily limit is £20,000 - that’s per person, not per account. Withdrawals made on a Saturday, Sunday or Bank Holiday will form part of the next working day's limit.

Although these limits are set per person, our personal accounts have a total daily limit of £20,000.00. This means that when using the Faster Payment service this is the most that can be sent out of any one account per day. For example, if you hold a sole account and a joint account then combined the maximum you can send is £20,000.00.

You can withdraw up to £250 per day using the mobile app without a card reader, 72 hours after registering for Anytime Banking.

General account information

How do I close my account?

If the eSavings account is in joint names or if this is your only connection you can request closure by writing to the following address:

Ulster Bank Online Savings Account Closure
Retail and Corporate Operations
Banking Operations
UB Services
Ulster Bank Ireland Limited
Danesfort
Stranmillis Road
Belfast
BT9 5UB

When writing to us, please sign and date the letter and also indicate where any remaining funds in the account should be transferred to.

All requests are subject to additional security checks and consequently we may need to contact you for additional identification to verify the request.

If the eSavings account is in a sole name and you have other connections with us you can close your account online within Anytime Banking.

How can I change my address and mobile phone number on my eSavings account?

You can do this via Anytime Banking or by writing to us.

To change a mobile phone number via Anytime Banking:

Log on to the service and select 'Your details' from the left hand menu
Select 'Update mobile phone number' under the 'Amend personal details' section

Changing your mobile phone number is a 3 step process and you will require a card-reader to complete the change.

To change your address via Anytime Banking:

Select Your Details on the left hand menu
Update your personal details, you can then use our webchat service within Anytime Banking to change your address.

Please note: Our chat agents can only change your personal account address if we hold a valid mobile number for you and your mobile number hasn't change recently.

Write to us at:

Ulster Bank Online Savings Account
Account Maintenance
Belfast Customer Service Centre
Danesfort
Stranmillis Road
Belfast
BT9 5UB

What is my interest rate?

Balance	AER /Gross p.a (variable)
£1+	0.01%

Annual Equivalent Rate (AER). This 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.
Tax-free interest means interest payable is exempt from UK income tax.
Gross Rate. This means the interest rate you are paid without the deduction of income tax.
p.a. Per annum (per year)

Interest paid monthly

You can find the interest rates on our accounts including your eSavings account here.

You are also able to view the interest rate on your account using our Anytime Banking service.

To view your interest rate:

Log in to Anytime Banking at www.ulsterbankanytimebanking.co.uk (opens in a new window)
Select 'Account summary' from the left hand menu
Under your account's mini statement, select 'View account details'

Select the link found at the bottom of the account details page

You will then be displayed with a page with information regarding interest rates for your account. All details will be correct as at the end of the previous working day.

eSavings

Managing your account

Online or on the mobile app

Secure transfers using a Card Reader

Pay money in by online transfer only

No minimum balance

How to access your money

How can I take money out of my account?

I have lost my Anytime Banking card and PIN. How do I get a replacement?

What do I do if I need to make a payment from my eSavings account for more than the daily limit?

How do I order a card-reader?

Is there a limit on how much I can take out of my account?

General account information

How do I close my account?

How can I change my address and mobile phone number on my eSavings account?

What is my interest rate?

What is a card-reader and how do I use it?

Can I add Power of Attorney to my account?

Can I add another party to an account once the account has been opened?

Why can't I log in to Anytime Banking?

Something else we can help you with?