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Why apply for our Student bank account?
Interest-free overdraft up to £1000 with an instant online decision
Students studying medicine, dentistry, law, accountancy, pharmacy, optometry, physiotherapy and veterinary science can apply for an interest-free overdraft limit of up to £3,000
Easily use our mobile banking app
Multiple ways to pay: Apple Pay, Google Pay™ and contactless debit card. Limits apply
Withdraw up to £130 without your card every 24 hours at our ATMs (as long as it’s within your daily withdrawal limit, criteria applies)
No monthly fee
Available to UK residents aged 18 or over, in a full-time third level course which lasts at least two and no longer than five years. Lending criteria, terms and conditions apply.
Account features
App available to customers aged 11+ with a compatible iOS and Android devices and a UK or international mobile number in specific countries.
Understanding Overdrafts
To apply for an overdraft, you need to be:
- aged 18+
You can add an overdraft to your account once your course has started.
Medical Elective Loan
If you're a QUB medical student, you can apply for up to £15,000 to fund your elective studies. An element of the loan may also be used to fund your final year.
You must begin to repay the loan within 12 months of graduating and complete payments within 5 years, or you can delay repayment for up to 2 years.
Elective loans are available to existing and new to bank customers (subject to credit review and approval).
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)
Student FAQ's
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:
- You are a full-time, third-level student
- Your course lasts at least two years and no more than five years
- You are aged 18+ and either a UK Citizen or have been living in the UK for at least 3 years
You must use your Ulster Bank Student Account as your main account and pay in regular amounts such as parental contribution, salary, student loan or other funding. Only one current account is permitted for each student.
Now please take a look at the important legal info
If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Anytime Banking - not posted. Please take some time to review, print and/or save the important information.
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.