Shared Content Shelves - Current Accounts

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For our existing customers

To upgrade or switch you need to be an existing Ulster Bank current account customer.

Switch to Ulster Bank

Switch a current account held elsewhere to your existing current account using the Current Account Switch Service.

How does the switch service work?

Upgrade or change my account

Change your existing Ulster Bank current account online.

Change my sole account

Change my joint account

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.

Short summary Close

How overdrafts work - details

There are two different types of overdraft:

An arranged overdraft, which allows you to go overdrawn up to an agreed limit. This is the type of overdraft you could apply for here. During your application for an arranged overdraft, we'll run a full credit check to determine how much we can offer you.
An unarranged overdraft. This is when you spend more money than you have in your current account without already having an arranged overdraft, or when you exceed your current arranged overdraft limit.

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected.

More about Overdrafts

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.

Details of overdraft costs Close

How much does my overdraft cost in pounds and pence?

This account offers an Overdraft facility (subject to eligibility). You can check if you're likely to be accepted for an overdraft using our eligibility tool.

As an example, the interest cost of using a £500 arranged overdraft is:

Time Period	7 days	30 days	60 days
Interest Cost	£3.24	£13.87	£28.13

This is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.

Looking to understand the costs of an overdraft of more or less than £500 over different periods of time? Use our handy cost calculator.

If you don't pay it back, it could have an impact on your credit score.

Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200.

Upgrade or change your existing account

Change your existing Ulster Bank current account online.

Upgrade or change my account

Premier Banking team

To qualify for Premier, you will normally need a sole annual income of at least £75,000 paid into your Ulster Bank account (£100,000 in the case of a joint application), or savings and investments of at least £100,000 held with us or another financial institution (proof of savings required).

Call 0345 301 5105

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 can not 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?

Travel insurance relating to Coronavirus (COVID-19) and any other pandemic

You should refer to the Travel Insurance Terms (including the endorsement) as this will affect your cover.

We have outlined what your travel insurance will and will not include cover for below.

For more information about travel insurance during COVID-19, you can refer to our FAQs

Your travel insurance will include cover for: Close

Your travel insurance will include cover for:

Illness: cancelling a trip due to serious illness (including COVID-19 or another pandemic)
Emergency medical & related costs: emergency medical treatment while on a trip or for cutting short a trip due to illness (including COVID-19 or another pandemic), provided you were not suffering from the illness when you booked the trip and you were fit to travel when your trip started
FCDO advice: cutting short a trip if the Foreign, Commonwealth & Development Office (FCDO) is advising against travel to your destination, providing the advice came into force after you started your trip

Your travel insurance will not include cover for: Close

If you need to cancel your trip before it starts you will not be covered for any of the following reasons:

Quarantine: having to quarantine or self-isolate, including as a result of Government or local authority action due to COVID-19 or another pandemic
FCDO advice: following FCDO advice related to COVID-19 or another pandemic
Catastrophe cover: you being unable to use your pre-booked and pre-paid accommodation because the accommodation or immediate surrounding area has been affected by COVID-19 or another pandemic