• Interest-free overdraft - €1,500 interest-free overdraft available (0% variable), (subject to approval) for up to one year after you graduate.
• Graduate loan - Graduates can request up to €6,500 (as an Ulster Bank Graduate Customer) to help them take a break, furnish a new place, or buy a car. (Credit is only available to persons aged 18 or over, who are residents of the Republic of Ireland and is subject to repayment capacity and financial status. Security may be required.) For more details on Graduate loans, please contact your local branch.
• Travel money - commission free foreign currency in branch.
• Transaction fee free banking - Charges for additional services apply
• Monthly statements - keep up to date with your finances by getting your statements by post or online. Or pick up a mini-statement from our cash machines.

Interest free Overdraft (0% variable): is repayable on demand, security may be required. 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 Accounts Fees and Interest" available from any Ulster Bank branch.

Loan: Lending criteria, terms and conditions apply. Graduate Loan applications are subject to our normal credit scoring criteria. Repayment to begin within 12 months of graduation and completed within 3 years. Repayment can be deferred if going on to further third level education for a maximum of 2 years. Not available for business or mortgage purposes - other lending restrictions apply. The amount you can borrow will be based upon your ability to repay and the purpose of the loan. You can apply for a Graduate loan for anything up to €6,500.

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.

Transaction fee free banking: Please see our brochure "A Guide to Personal Accounts Fees and Interest" for details of charges for additional services.