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Packaged bank accounts

Switch in or change your account to a ufirst gold

Available to existing current account customers only

Explore our ufirst gold account

Features and benefits

Change my account

Existing ufirstgold customers

Our bank account with extra benefits

Insurance for Worldwide travel.

Mobile phone insurance.

15% cash-back on concerts, shows and sporting events.

£10 monthly fee.

To apply, you need to be 18+ and a UK resident. To switch in or upgrade, you need to be an existing Ulster Bank current account customer.

Features and Benefits

Worldwide Travel Insurance

You and your family can enjoy automatic multi-trip cover for up to 31 days per trip, plus 17 days winter sports cover per year. If you have an existing medical condition, please note that your cover may exclude certain conditions.

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Travel insurance in detail

Cover automatically begins when you open your ufirstgold Account.
Cover includes you, your partner and children under 18 (or under 23 and in full-time education).
You have to live in the UK, Republic of Ireland or Channel Islands and have not spent more than six months abroad during the last year.
If you have an existing medical condition, you may have to pay an annual premium or your cover may exclude certain conditions - please call 0370 600 0661 (Relay UK: 18001 0370 600 0661) or confirm your premiums and cover online.

If our insurers U K Insurance Limited (UKI) are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

UKI have been working with the Financial Conduct Authority and Money Helper to create a directory that you can search when UKI are unable to help.

Money Helper Directory

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777.

Monday to Friday, 8am to 6pm | Saturday, Sunday and Bank Holidays, closed.

Please ensure you take your travel insurance certificate and policy with you when you travel. They can be found in the ufirstgold user guide (PDF, 506 KB).

Mobile Phone Insurance

Your phone is automatically covered for loss, theft, accidental damage and breakdown (once your manufacturer’s warranty has expired), wherever you are in the world. The excess for each approved claim is £100.

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Mobile phone insurance in detail

Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis. There is no cover for phones owned by your employer.
In total 2 approved claims can be made on this policy in any 12 month period. If this is a joint account, each account holder can make 2 approved claims, with a maximum of 4 per account.
Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts and include a 12-month warranty.
There is a £100 excess for each approved claim.

Cover starts as soon as your account is open, but you can register your handset to make the claims process quicker.

15% cash-back on concerts, shows and sporting events

Enjoy cash-back on everything from top sporting events and music concerts to your favourite comedians, theatre and dance shows throughout the UK and Ireland. Cash-back applies to up to four tickets per event.

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How does it work?

Tickets have to be booked by phoning the membership services on 0370 600 0661*. Ticketmaster events can be booked online through the membership website

Lines are open Mon - Fri 8am - 8pm (excluding bank holidays) and Sat 9am - 5-pm. Calls cost up to 10p per minute plus up to 16p connection charge from BT lines. Calls from other networks may vary. Calls may be recorded.

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.

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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.

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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.

How does our overdraft compare?

A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.

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

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.

Your Current Account Terms

Financial Service Compensation Scheme Sheet

Fee Information Document

Our Lending Commitments

ufirstgold Account Insurance Product Information Document

ufirstgold User Guide

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

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 account using the Current Account Switch Service.

How does the Current Account Switch Service work?

Upgrade or change my account

Change your existing Ulster Bank current account online.

Change my sole account

Change my joint account