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Private Current Account

A premium account with no monthly fee.

An exclusive branded cheque book and serviceCARD.
Get expert help to assist you with opening accounts, arranging mortgages, loans or overdrafts, with our Premier Banking Managers.

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.

Discover Premier

Features

Your financial goals, our expertise

We can personally assist you with the opening of accounts or arranging mortgages, loans or overdrafts, and refer you to members of our Private Tax Panel who can help with tax returns and give tax advice at a discounted rate.

Fees apply, referrals are not recommendations. Credit facilities are subject to approval. Lending criteria, terms and conditions apply.

Preferential rates and services

As a Premier Banking customer, you will get access to preferential financial rates and services.

Arranged overdraft

Arranged overdrafts allow you to spend more money than you have in your account to an agreed limit. An overdraft is a form of borrowing and is repayable on demand. It can be useful for short term borrowing.

We'll run a full credit check to determine your overdraft limit. If you don't repay what you borrow, you could harm your credit score and borrowing capability.

How do overdrafts work?

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

Looking to understand the costs of an overdraft of more or less than £500 over different periods of time? Use our 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: 19.49% EAR (variable). Representative APR: 19.49% APR (variable). Assumed credit limit: £1,200.

This service is only available to switch current accounts. Any other products you have with your old bank will not be moved at the same time.

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.

How does the switch service work?

All you need to do is tell us the details of your old bank account and when you want your switch to start.

We can’t switch savings accounts or ISAs through this service. Any other products you have with your old bank won’t be move at the same time.

Current Account Switch Guarantee (PDF, 36 KB)

A Guide to Switching Current Accounts (PDF, 309 KB)

Third Party Permissions

If you have given permissions to Third Party Providers to make payments on your behalf, or to access your financial data, access to these services won’t be transferred automatically to your new account as part of the Current Account Switch Service.

Before you close your old account, check whether you have any Third Party Provider permissions set up and if so, who with.

Once your new account is open you can give your permission to the Third Party Provider to access your new account by providing them with your new account details. You will need to contact the Third Party Provider directly yourself to set this up.

Over 40 UK banks and building societies have signed-up to the Current Account Switch Service. You can check if your existing bank provider is a participant here.

Please check our account terms and conditions for more information about Third Party Providers.

Important information

Please take some time to review, print and/or save the important information.

Your Current Account Terms (PDF, 302 KB)

Financial Services Compensation Scheme Information Sheet (PDF, 73 KB)

Fee Information Document (PDF, 1 MB)

What You Need To Know (PDF, 364 KB)

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.

By continuing you're confirming you've been provided with, and have acknowledged our important documents, including the FSCS information sheet.

Change your account today

First things first. You can apply if you:

are aged 18 or over and a UK resident
already have an Ulster Bank current account.

You also need to meet one of the following criteria: have a minimum £75k sole income or £100k joint income paid into your Ulster account, or minimum £100k savings or investments held with us or another financial institution (proof of savings required).

Continue

Do you already have a current account with Ulster Bank?

Yes

Continue

Previous question

Get started

Head back to your mobile app home screen.
Select the account you wish to change.
Once selected, go to ‘Change my account type’ to find options for changing.

You will need the most up to date version of the app, to make changes to your account.

Compare our current accounts

We're sorry but right now you must have an Ulster Bank current account to upgrade to a Private Current Account.

Our Select account is available to open as a new current account. If you still like the look of our Private Current Account you can come back and upgrade later.

View our Select account

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