Switch in your account to ufirst Private

• Cover automatically begins when you open your ufirst Private Current 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 0345 607 2538 (Relay UK: 18001 0345 607 2538) 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 ufirst Private Account Insurance Product Information Document (PDF, 114KB)

•  Covers the phone used on a daily basis by you, your partner and/or your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside term time).  There is no cover for phones owned by your employer.
• In total 4 approved claims can be made on this policy in any 12 month period.
• 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.

What's not covered

• Devices with a screen size over 7 inches are not covered.
• No cover if you deliberately put the phone at risk or left it visable in an unattended vehicle.
• No cover for information or apps stored on the phone.
• No cover for any costs resulting from unauthorised use.

Insurance Product Information Document

• 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.

We’ll automatically send you a DragonPass Premier+ membership card when you open or upgrade to uFirst Private account.

You will need your membership card to gain access to lounges and receive discounts at spas and restaurants.

A digital version of your membership card is also available through the dedicated DragonPass Premier+ app which is free to download from the Apple App and Google Play store.

The app provides full details about your benefits including lounge locations and opening times, and the ability to purchase guest visits and pre-book selected lounges.

If you have a joint account and are travelling with the other account holder, you will both need to show your membership cards, either the plastic version or through the app, to access lounges and receive discounts.

Airport lounges are owned and operated independently of DragonPass. Admission is granted subject to capacity and at the discretion of the lounges.

Learn more and download the DragonPass Premier+ app 

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

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: 

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: 19.49% EAR (variable). Representative APR: 19.49% APR (variable). Assumed credit limit: £1,200.