Ulster Bank Visa Debit card

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• Manage your account your way - 24 hour service
  Online, through your mobile, over the phone or in branch. We have a number of ways to bank with us, you decide what suits your needs best.
  More on Ways to Bank
• Commission-free travel money
  Whether taking a break or working abroad over the holidays, you can pick up commission-free foreign currency at your local Ulster Bank branch.
• Banking with no domestic transaction fees
  You won't pay any fees for domestic transactions, standing orders, Direct Debits or an arranged overdraft facility as long as you stay within the agreed limits. Charges for additional services apply. Please see our brochure "A guide to personal account fees and interest" (PDF), available in branch.
• Interest-free overdraft up to £1,500 - £1,500 interest-free overdraft available (subject to approval) for up to one year after you graduate.
• Graduate loan - As an Ulster Bank graduate customer you can request up to £5,000 to help you take a break, furnish a new place, or buy a car. For more details on Graduate loans, please contact your local branch.

Terms and Conditions apply.

Information on our charges and interest rates is set out in our brochure 'A guide to personal account fees and interest' which is available in our branches or on our website www.ulsterbank.co.uk.

Graduate account is only available if you graduated in the past 12 months (and your course lasted at least two years). The graduate package is valid for a minimum of 12 months. During the year following the end of this 12-month period, we may change your account to a Current Plus Account. We will write to you 60 days before doing this.

We provide overdraft facilities, graduate loans and credit cards under certain conditions and depending on the results of credit searches. Lending criteria, terms and conditions apply. Credit is only available to persons aged 18 or over, subject to repayment capacity and financial status and living in the UK for tax purposes. We may need security (by way of a personal guarantee) for certain overdraft facilities or loans.

Online & Telephone banking subject to terms and conditions, available from any branch.

Ulster Bank Mobile Phone Banking and Text Services are currently free of charge to all personal customers. Data Charges may apply on the Orange & Virgin Networks for mobile phone banking. Mobile Phone Banking and Text Services are provided in association with Monitise Europe Limited. Mobile Money™ is a service which is delivered by Monitise Europe Limited.

Interest free Overdraft: You must pay the overdraft if we demand. You may not go over your overdraft limit without getting our permission first. If you go over your overdraft limit, we will charge interest at the rate shown in our brochure "A guide to personal accounts fees and interest". Unpaid item fees and other charges may also apply.

Graduate Loan: You must begin to repay the loan within 12 months of graduating and finish paying it off within five years. You can delay the repayment for up to two years if you are going on to further studies.

Travel Money: Commission free travel money (foreign exchange) applies to Ulster Bank over-the counter branch transactions only for the customer's own use. Offer does not apply to transactions on foreign currency accounts, bank drafts, ATM machines, credit cards or foreign exchange transactions conducted via any other Ulster Bank products or services.