Ulster Bank accounts

Compare our bank accounts

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All the essentials to make everyday banking easy for you.

Manage your account using our Mobile Banking app. Criteria applies.

Multiple ways to pay; Apple Pay, Google Pay and Contactless Debit Card. Limits apply.

No monthly fee.

To apply, you need to be 18+ and a UK resident.

Additional bank accounts

We also offer additional bank accounts to suit your needs.

Specific account eligibility criteria applies.

uFirst Gold

Available to existing current account holders only.

For £10 a month you'll get:

  • worldwide travel insurance
  • mobile phone insurance
  • 15% cash-back on concerts, shows and sporting events.


To apply, you need to be 18+ and a UK resident.

Student Account

Getting uni life off to a great start.
  • Get an interest-free overdraft of up to £1,000. 18+, subject to approval.
  • Use our mobile app to help you bank anytime, anywhere.
  • No monthly fee for UK students.



Child & Teen

Looking for a kid's account?

Adapt account (11-17 year olds)

  • Current account with a contactless debit card.
  • 1.00% AER/Gross p.a. (variable) on your balance
  • Works with Apple Pay and Google Pay™.

Rooster Money (3-17 year olds)

  • Parent-managed pocket money app
  • Set allowances and track your kids’ spending and saving
  • Fees may apply for additional services.

Foundation account

If you’re not eligible for the bank account you are applying for, you might be offered the Foundation account instead. You cannot apply directly for a Foundation account.

Private Account

An account with your own Relationship Manager and dedicated support team. Specific account criteria applies.

Joint accounts

If you're looking to open a Joint account with someone, follow the below link to find out more.

Thinking of switching your bank account to us?

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the switch to start.

We cannot switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the switch service work

Bank accounts for Ukrainian refugees

We’ve set up a new account opening process to help Ukrainian refugees set up in the UK. Here you’ll find details on the account, how the application process works and other assistance, including instructions translated into Ukrainian and Russian, and guidance on accessing your account once open.

Customers must be 18+, hold a Ukrainian passport or Ukrainian national ID card, and a valid visa (or similar – see account for full details).  

Supporting our customers

If you want to see how we have performed in key service areas and how we support all personal customers, you can get a detailed view here.

Financial Services Compensation Scheme

Your eligible deposits held by a UK establishment of Ulster Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

See FSCS Protecting Your Money (PDF, 3.7 MB) for more information about the scheme and how it protects your money.