ufirstgold

You can only have one ufirstgold account in your sole name.

You can have more than one joint ufirstgold account, as long as the other account holder is different on each one.

You and you eligble family can enjoy automatic mulit-trip cover up to 31 days per trip including winter sports trips. If you or anyone covered by the policy has a medical condition, certain conditions apply to your cover. Travel insurance is underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

What you should know:

• 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, Channel Islands or Isle of Man and be registered with a doctor there.
• A policy excess of £75 applies to most claims for each insured person, for each section, for each claim incident.
• If anyone covered by the policy is aged 70 or over, you must contact us each year to obtain cover. You will need to pay an annual premium of £75 per person insured aged 70 or over.
• You can check online if this travel insurance covers new or existing medical conditions here. An extra fee may apply, or some conditions might not be covered.
• You can also discuss this over the phone by calling 0370 600 0661 (Relay UK: 18001 0370 600 0661).

If our insurers Allianz Assistance 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.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the MoneyHelper Directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

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

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

For full terms and conditions, please refer to the policy and supporting documents, which you should make sure you can access when you travel. 

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. Underwritten by Aviva Insurance Limited.

• 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 two approved claims can be made on this policy in any 12 month period. If this is a joint account, each account holder can make two approved claims, with a maximum of four 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.

• 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.

Cash-back applies to up to four tickets per event.

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: 

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.

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.

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.

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.