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Select

No monthly fee.
Our most popular account for day-to-day banking.
Multiple ways to pay: Apple Pay, Google Pay and contactless debit card. Limits apply.
Arranged overdraft available, subject to eligibility.

To apply, you must be 18+ and a UK resident and the address we have for you must be up to date. You can check this by tapping 'Home', tap the icon in the top left hand corner of your app and then tap 'Manage personal details'.

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.

During your application for an arranged overdraft, 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 eligibility). You can check if you're likely to be accepted for an overdraft using our eligibility tool.

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.
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.

How much does my overdraft cost in pounds and pence?

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

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

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.

More about Overdrafts.

You'll be able to apply for an arranged overdraft once your new account's opened (subject to eligibility).

Switching to Ulster Bank

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 work?

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

Current Account Switch Guarantee (PDF, 39 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.

If you are unsure as to whether we will support the third party provider permissions on your account, you can contact us for further information and support.

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

You'll be able to switch your old account once your new account's opened.

Important information

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

Your Current Account Terms (PDF, 302 KB)

FSCS Information Sheet (PDF, 73 KB)

Fee Information Document (PDF, 1 MB)

What You Need 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.

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.

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

All okay?

Apply for a bank account online today.

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.

Continue

What would you like to do today?

Open a new sole Select account

Open a new joint Select account

Change my existing current account to a Select account

Switch a current account held elsewhere to my existing Ulster Bank current account

Continue

Previous question

You're all set

We'll open up the application form in your phone's web browser.

It will be pre-populated with your details, so won't take long to complete.

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.

See our Joint Account webpage

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.

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

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

Get started

Head back to your mobile app home screen.
Select the account you wish to switch into.
Once selected, choose the ‘Switch my account’ option to apply.

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

Back to Current Account Hub