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Loyalty Saver account

An easy access online savings account

Take a peek at Loyalty Saver, for lump sum and regular saving

  • A simple savings account with instant access.
  • Get a higher interest rate larger balances. If you have under £4,999, you'll earn 2.25% Annual Equivalent Rate (AER)/Gross per annum (variable rate). When you have £5,000 or more, you'll earn 5.20% AER/Gross per annum (variable rate).
  • Deposit money or make a withdrawal whenever you need to, online or via our app.

How Loyalty Saver works

Get started saving

It's easy and quick. Just hit the Apply button to get started. Once set up, you can choose when and how you want to save. Our app has handy digital tools to help you reach your savings goals.

Flex your easy access savings when you need to

You can add a lump sum, set up a standing order or pay in what you want, when you want. It's flexible for you.

Easy access to your cash

With our Ulster Mobile App or Anytime Internet Banking, you can access your accounts, check your balance and get support whenever you like.

Summary Box

Account name: Loyalty Saver

1. What is the interest rate?

2. Can Ulster Bank change the interest rate?

Yes, these rates are variable. If the rates are going down, we’ll give you at least 60 days’ notice. If they are going up, we’ll inform you before the change or shortly afterwards. For more information, read  Your Savings Account Terms (PDF, 342 KB)

3. What would the estimated balance be after 12 months based on a range of deposits?

4. How do I open and manage my savings account?

Before you apply:

  • You must be a UK resident aged 16 years or over and an Ulster Bank current account holder.
  • We will need an email address and mobile number to open your account.
  • If you don’t live in Northern Ireland, the account can only be opened online.
  • To open in branch, you'll need to bring your own digital device such as a mobile or tablet, and our staff can assist you with opening the account.

Managing your account:

  • You must register for the Anytime Internet Banking services to manage your account via online, telephony or on the mobile app.
  • You can pay money in by transfer from a current account or savings account in your name held with us or held with another bank (online, by telephone or on the mobile app).
  • No minimum deposit is required to open the account; no minimum deposit needs to be made on a regular basis; and there is no maximum balance limit.
  • You can use Round Ups with Loyalty Saver if you have a current account with us.

5. Can I withdraw money?

Yes, you can withdraw or transfer to any other account based in the UK (up to the daily limits).

You'll need Anytime Internet Banking to withdraw or transfer money online. You can do this via the phone and app too. If you don't have a card with your account, we'll send you a card reader and an Anytime Internet Banking card and PIN to make payments securely.

Remember, you'll need to enable the card reader to make payments online. Once you are set up, you can withdraw money however you like.

If you live in Northern Ireland, you can also withdraw money in one of our branches.

6. Definitions

  • AER: Stands for the Annual Equivalent Rate. It shows you what the rate would be if interest was paid and compounded each year.
  • Gross: The interest rate you are paid without the deduction of UK income tax.
  • p.a.: per annum (per year)

7. How do I get additional support with my banking?

Banking My Way is a free service that allows you to record feedback about the support or adjustments you'd like to make banking easier for you. The information will be shared on our internal systems which means you won't 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

Financial Services Compensation Scheme

Your eligible deposits held by a UK establishment of Ulster Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

See FSCS Protecting Your Money (PDF, 3.7 MB) for more information about the scheme and how it protects your money.

Get ready to apply

Before you apply, we need to check you're happy with a few things and ask you a few questions up front, then we can make your application as quick and simple as possible.

First things first. You can apply if you:

Are aged 16 or over and a UK resident.

Take a look at the important legal info

How your information might be used

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.

All okay? You're nearly ready to start.

To speed up your application for our Loyalty Saver account, we need to do a few final checks with you. They'll only take a minute.

Are you an existing Ulster Bank current account holder?

This account is only available to existing Ulster Bank current account holders.

Do you have our Ulster Bank app on a mobile device?
If you're registered for our app on a mobile device, we can pre-fill some of your info, making the application process faster.

Great, let's get your application started.

Remember, to apply for a Loyalty Saver account, you must: 

  • Be a current account customer
  • Be aged 16 or over and a UK resident

Using a desktop or have the app on another device?

Simply scan the QR code with your mobile or tablet device that has the Ulster Bank app and we'll get you started.  

Using your mobile or tablet device now?

If you're already using a device with the Ulster Bank app, select the 'Start your application' button below.

Do you use Anytime Banking?
If you log in to Anytime Banking we can pre-fill some of the application for you.

Log in to Anytime Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Anytime Banking pin and password.
  3. Once you're logged in, select 'Savings accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.

Remember, to apply for a Loyalty Saver you must: 

  • Be a current account customer.
  • Be aged 16 years or over and a UK resident.

Let’s get you registered for Anytime Banking

You’ll need to sign up for Anytime Banking with us in order to apply for a savings account. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Ulster Bank Debit Card, if you have one.

Once you’ve registered, select ‘Next’ to log in and apply for a Loyalty Saver account. 

Log in to Anytime Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Anytime Banking pin and password.
  3. Once you're logged in, select 'Savings accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.