Student and Graduate accounts
See what our student and graduate accounts have to offer.
Student account  | Graduate account  | |
|---|---|---|
 Interest free overdraft (0% variable) while you have a student or graduate account, up to €650 available (subject to approval).
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| Personal loans & Travel Loans (subject to eligibility)
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| Commission free travel money at branch
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| Pay for goods and services with your debit card.
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| Pay bills - Standing Orders and Direct Debits are available.
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| Credit Card (subject to eligibility)
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| Debit card - can be used at home and abroad to purchase goods and services in shops, on the Internet and to withdraw cash at ATMs where you see the Visa Logo. | | |
| Online and Telephone Banking - manage your money when it suits you.
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| Transaction fee free banking
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Important Information
Student Account is only available to full time (minimum course length 1 year, maximum six years), third level students, resident in the Republic of Ireland, aged 17 or over or graduates Only one student account per student. The overdraft facility must be repaid within one year of course completion.
The Graduate Package is available to persons aged 18 or over or who have graduated from a full time course of higher education, lasting 2 years or more, within the last 12 months. In the month of July, the year after your graduation (as specified in our Graduate brochure, as amended from time to time) subject to our assessment of your financial position, the Graduate Account will be converted to a Current Account. We will write to you sixty days before we do this.
Interest free Overdraft (0% variable): is repayable on demand, security may be required. The overdraft facility must be repaid within one year of course completion, provided the course does not exceed six years. The overdraft must not be exceeded without prior agreement of Ulster Bank. If the account goes into an unauthorised overdraft or exceeds an authorised overdraft, surcharge interest will be applied on any balance above the overdraft limit. Full details can be found in our leaflet A Guide to Personal Current Account Fees and Interest available from any Ulster Bank branch.
Travel Money: Applies to Branch transactions only - not ATM machines. 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, credit cards or foreign exchange transactions conducted via any other Ulster Bank products or services. Foreign exchange is subject to terms and conditions available on request from any Ulster Bank branch.
Credit Card: Rates and information correct as at 11th June 2010 and are subject to change. Minimum repayment needed is 3% or €5, whichever is more.
Debit card: We apply a foreign-exchange fee of 1.5% of transaction value (excluding transactions made within the Eurozone). You will also be charged 2% of the value of your cash withdrawal with a minimum charge of €3.00 and a maximum charge of €12.00. This does not include any additional fees that a merchant or cash machine owner may impose on the customer for using this service.
Transaction fee free banking: Charges for additional services apply. Please see our brochure "A Guide to Personal Accounts Fees and Interest", available in branch or our website www.ulsterbank.ie
Credit facilities available to over 18's only, terms and conditions apply. Lending criteria, terms and conditions apply.
Personal Loans: Credit facilities available to over 18's only, who are residents in the Republic of Ireland and is subject to repayment capacity and financial status. Lending criteria, terms and conditions apply. Not available for business or mortgage purposes - other restrictions may apply. Security may be required. The amount you can borrow will be based upon your ability to repay and the purpose of the loan.
Student travel loan: Travel loan of up to €2,000. Loan to be repaid within one year of drawdown. Only one travel loan per customer at any one time.
