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Useful information

Student account - Overview

Our student package is available if you are a full-time (your course lasts at least two years and no more than five years), third-level student living in the UK for tax purposes. You must be 18 or over.

Payments made easy - with your Ulster Bank Visa Debit card

  • Use your debit card to pay in shops or on the internet so there is no need to queue at an ATM.
  • Get cashback from a wide range of retailers.
  • Withdraw your money at almost every cash machine in the UK and the Republic of Ireland and from all Post Offices throughout the UK.
  • Pay for things over the counter, online or on the phone.

In fact, you can use your debit card anywhere you see the Visa logo, worldwide!

Click here for more information on Visa Debit

Please see our leaflet A Guide to Personal Accounts Fees and Interest available in branch for more details.

Anytime Internet and Telephone Banking - 24 hour service

Now here’s an idea – free internet and telephone banking on your account with Anytime Banking. You’ll be able to keep a careful eye on what your money is doing wherever you are, 24/7. Use it to check your balance, pay bills and transfer money. Terms and conditions apply.
Click here for more information on Anytime

Mobile Banking

We’re making it easy to do your daily banking here, there and everywhere – with our new Mobile Banking app.

  • Get cash - forgot your card? Have your phone? You can still get cash from any Ulster Bank ATM using the app.
  • Transfers and payments - use the app to pay your friends, family, credit card or bills.. Or, if they use our app, pay your friends or family directly using only their mobile number.
  • Weekly balance updates - we'll text your balance at a time and day that you choose.
  • Limit alert - we'll send you a text when your account goes above or below a pre-set limit. Handy to know when you can save or splurge!
  • Get your balance when you need it - view an up-to-the-minute account balance or mini-statement any time you need to.

Got a smart phone? – Download our new Mobile Banking App today from here.

Terms and Conditions apply. You must be registered for Anytime Banking, have an Ulster Bank personal account with a Visa card and a UK mobile number. Payments must be within daily withdrawal limit. App available on selected smart phones only. Data charges may apply.

Banking with no transaction fees

You won’t pay any fees for transactions, standing orders, Direct Debits. Arranged overdraft facilities are also free as long as you stay within the agreed limits.

Charges for other services still apply. We also provide information on our charges and interest rates in our brochure ‘A Guide to Personal Accounts Fees and Interest’ which you can get in our branches.

Commission-free travel money

Whether taking a break or going to work abroad over the holidays, you can pick up commission-free foreign currency at your local Ulster Bank branch before you travel.

This applies to transactions in a branch only. It does not include withdrawing money from a cash machine. The offer does not apply to transactions on foreign currency accounts, bank drafts, credit cards or foreign-exchange transactions carried out using any other Ulster Bank products or services. For further information on foreign exchange transactions please contact any Ulster Bank branch.


Student Overdraft

To help you through your student days we offer an interest free arranged overdraft of up to 1,000.

Students studying medicine, dentistry, law, accountancy, pharmacy, optometry, physiotherapy and veterinary science can apply for an arranged overdraft limit of up to 3,000.

To maintain your student overdraft you should actively use your Ulster Bank Student Account as your main account. This means you need to withdraw money at least three times a month and make one or more lodgements each quarter. You will also need to ensure that your account remains in credit for 30 days in any one year period and repay the overdraft within one year of finishing your course.

Whether you have an overdraft will depend on your circumstances and our conditions. We may also carry out credit scoring, this is where we assess whether credit is affordable for you based on the information you provide.

The arranged overdraft facility must be repaid within one year of course completion. You must repay your overdraft if we demand. We may need security.

We can provide an interest-free arranged overdraft if you ask when you apply for an account.

Your debit balance should not exceed your arranged overdraft limit. If your account overruns without formally agreeing an arranged overdraft, or you exceed your arranged overdraft limit, this is called an Unarranged Overdraft. For full details of the interest and charges please see our 'A Guide to Personal Account Fees and Interest' brochure.

Student Credit Card

A credit limit of 350 and no annual fee makes this credit card a handy little extra in your wallet. You’ll enjoy a rate of 18.9% (variable) on purchases and balance transfers and 25% p.a (variable) on cash advances.


Representative Example:

Representative 18.9%APR (variable) based on a Credit Limit of 350.

Standard interest rate for purchases: 18.9% p.a. (variable)


Whether you have a credit card will depend on you circumstances and our conditions. We may also carry out credit scoring, this is where we assess whether credit is affordable for you based on the information you provide.

Click here for more important information on the student credit card

Open an account today

You can contact the Student Loans Company if you want to have your student loan paid into your new Ulster Bank account. It’s easy to update your records – simply call Student Finance on 0845 6000 662* Monday to Friday, 8am to 8pm and Saturday and Sunday, 9am to 5.30pm.

Rates and information correct as at 11th July 2011 and are subject to change


Apply online
OR

OR

Call 0800 046 6486

Lines are open:
Mon - Fri 8.30am - 7.30pm,
Saturday 9am to 2pm,
(excl. bank holidays).

Calls may be recorded.