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Select - our everyday bank account

Easy, everyday banking and no monthly fee

Get our £200 offer when you switch to Ulster Bank

Apply online or via our mobile app to switch a current account held elsewhere using the Current Account Switch Service into a Ulster Bank account from 15 February 2024.

Deposit £1,250 into your account and log in to our mobile banking app within 60 days. App eligibility criteria apply. 

When you meet these conditions, we'll pay £200 into your eligible account within 7 days

Your switch must fully complete to receive the incentive, this means your old bank account will close and any funds and Direct Debits will move over to us. The deposit of £1,250 can be made up of multiple credits and must remain in the account for 24 hours. If you've previously received a switcher incentive from NatWest Group since 01 January 2020, you will not be eligible for this offer. Offer can be withdrawn or amended at any time. Account eligibility criteria apply. 

Switch offer T&Cs apply (PDF, 166KB)

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

How does the Current Account Switch Service work?

Our simple, everyday bank account

Easily use our mobile banking app.

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

Arranged overdraft available (subject to eligibility).

No monthly fee.

Account features

Emergency Cash Service

If your debit card is lost or stolen we will cancel your card and let you withdraw up to £300 from our ATMs if you're an Anytime Banking customer, or up to £60 if you're not.

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Mobile Banking

Our mobile app is simple, clever and easy to use - you can even use it to withdraw cash from our ATMs and make payments to friends and family using just their mobile number (limits apply). App available to customers with Anytime Banking using compatible iOS and Android devices and a UK or international mobile number in specific countries.

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How does the Switch process work?

Step 1 

The Current Account Switch Service will contact your old bank and they confirm if the switch can go ahead

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Step 2 

Your new account will then be set up and your payments, like your salary and bill payments will be moved across.

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Step 3 

We talk to your old bank about transferring your balance over. On day 7 your balance will then be transferred and your old account will be closed. And that's your switch complete!

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Overdraft details

How do overdrafts work?

It's important for you to understand how we use and share your information. Please read the short summary below before you continue with your application.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

What you need to open an account

If you're applying online, we may ask to see a passport, a Northern Ireland/UK/Republic of Ireland driving licence or an EU/EEA National ID Card.

If you don't have these available, don't worry. You can still apply online and we will ask you to provide other forms of ID and proof of address that we can accept either in branch or by post.

Get ready to apply

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

are aged 18 or over and a UK resident.

How do I get additional support with my banking?

Banking My Way is a free service that allows you to record information about the support or adjustments you need to make banking easier. You can also let us know any additional support you may need to ensure all of our colleagues are aware of this. The information will be shared on our internal systems and therefore you will not need to repeat these requirements every time you interact with us.

Once your account is open, you can record this through Anytime Banking or with our colleagues in branches or over the phone.

Learn more about Banking My Way

Now please take a look at the important legal info

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured

All okay? You're nearly ready to start.

To speed up your application for our Select account, we need to do a few final checks with you. They'll only take a minute.

Are you an existing Ulster bank customer?
Is this application just for you, or is it a joint application?

You're all set

Your application will be completed completely online, and you won't need to post us anything or visit a branch.

  • Tell us a bit about yourself and we'll set up your account
  • We might need to verify your identity when you apply online,  We'll do this by matching your photo ID to a selfie  of you.  We may also ask for proof of your address, such as a utility bill, bank statement or driving licence

Look out for an email and text after you have applied from our security partners, Hooyu. It'll have a link to securely upload your documents for us to check. You'll need a device with a camera to upload these.

Please note, a partial switch does not qualify for any switch incentives we may offer. 

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
What would you like to do today?
Do you use Anytime Banking?
If you log in to Anytime Banking we can pre-fill some of the application for you.
Is this application just for you, or is it a joint application?

You're all set

Have your Anytime Banking details handy to login. Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

Look out for an email and text after you have applied from our security partners, Hooyu. It'll have a link to securely upload your documents for us to check. 

Please note, a partial switch does not qualify for any switch incentives we may offer. 

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Is this application just for you, or is it a joint application?

You're all set

Have your Ulster Bank Sort Code and Account number handy for the application. Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

Look out for an email and text after you have applied from our security partners, Hooyu. It'll have a link to securely upload your documents for us to check. 

Please note, a partial switch does not qualify for any switch incentives we may offer. 

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 

You're all set

During the application, you'll need the account number and sort code of the account you want to change. You can find these in your app/Anytime Banking.

As you're changing your existing account to another, you’ll:

  • Keep your existing sort code, account number and debit card. Your existing standing orders and direct debits will stay the same.
  • Retain your arranged overdraft limit.
  • See no impact to your credit rating.

If you're a non-UK resident, once your account has been changed to a Select account, you'll be unable to upgrade to a uFirst account.