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Documents we may need to see before opening your account
Opening an account
Verifying your identity
When you apply for a bank account we always try to verify your details electronically, but sometimes we need to see physical proof. If you apply online or over the telephone we will be in touch if we require any further information from you.
You can provide this documentation in one of three ways: online, in branch or by post.
It’s important that you only provide documents from the lists below - providing incorrect ID will mean that we will be unable to open your account.
Proving your identity online
As part of your application, we'll ask you to upload some documents to verify who you are. You'll need a device with a camera to upload these.
We may ask for:
- Photo ID, such as a driving licence, passport or EU ID card.
- A selfie to compare to your photo ID.
- Proof of your address, such as a driving licence, utility bill, bank statement or tax document.
Please make sure that any documents you use exactly match the information you enter when applying.
After you have finished your application, look out for an email and text from our security partners, Mitek. It'll have a link to securely upload your documents for us to check.
If you’re under 18, we may need some additional information. Please refer to ‘What ID do I need if I’m under 18?’ for guidance.
If you’re under 18, we’ll ask for the following to prove your identity online:
- Photo ID - this must be either a Passport, EU/EEA ID card, PASS card or a UK Provisional Driving Licence.
- A liveness check, a selfie to compare to your photo ID.
Also, if you are:
Aged 11-15, you’ll need your parent/guardians support and they’ll need to bank with Ulster Bank.
Aged 16-17 and can't prove your identity and address with your own documents, you'll need to apply with your parent/guardian who has a Ulster Bank current account.
If your surname isn’t the same as your parent/guardians, you’ll need to provide a proof of relationship document to show the link between you both (and if required, name change documents).
Documents we can accept
The quickest way to get an account is to apply online. If you don't have the correct ID documents, you have other options.
To apply for an account online, you'll need:
- A valid photo ID to confirm your identity
- A document with your current address
If you have a full or provisional UK driving licence, you can use this as proof of both your identity and address.
We know that sometimes you might not have the right documents. To find out what ID you need and how to apply, select the buttons below to choose your path.
What's your nationality?
Information Message
The nationality on your ID documents should match the details on your application.
What type of account are you applying for?
Information Message
To apply for an adult current account you must be aged 18+. You can apply for a child or teen account if you are aged 11-17.
ID you need to apply for a current account
You can apply for an account online with us if you have:
- A proof of ID from the following list.
- A proof of address documents from the following list.
Proof of ID
We accept the following forms of photo ID:
- Passport
- Full or provisional UK driving licence
- EU/EEA driving licence
- EU/EEA national ID card.
Information Message
Proof of address
We accept the following documents:
- Full or provisional UK driving licence
- Council tax bill
- Utility bill (e.g. gas or electricity bill)
- Bank, building society or credit union statement
- Mortgage statement/Solicitor mortgage correspondence
- HMRC letter.
Information Message
Need some more help before applying?
- To apply for one of our main proof of address documents, click the 'Get proof of address' button below. After reviewing your documents, you can return here to apply online.
- If you have any of our additional proof of address documents, you can use one of these instead. Please note, this might take a bit longer to open your account.
Select a document from the following list to find out how to use this as proof of address
Once you've received your proof of address document in the post, you can use this with your proof of ID to apply for a bank account online.
If you bank with us, there are four ways you can access your bank statements:
- In our mobile app. Simply log in to the app, click on your account and scroll down to 'Statements'. Make sure you choose a statement within the last 6 months to print.
- Through Anytime Banking. Log in to Anytime Banking, select 'Statements & transactions' from the main menu. Under 'Your statements', click 'Statements'. Make sure you choose a statement within the last 6 months to print.
- Ask our digital assistant Cora 'how do I see my bank statement'.
- Contact your local branch.
What if I bank with someone else?
Please contact or visit your local bank to access a relevant bank statement. This statement must be:
- A statement from another bank, building society or post office.
- The original mailed statement.
- Dated within 6 months.
- For a personal account you hold with another bank, with name and address details matching those on your application with us.
Please visit your local council website or contact your local council for a copy of your most recent council tax bill.
To find your local council please visit gov.uk/find-local-council.
A utility bill is a bill for services such as gas, electricity and water. Please contact your local utility provider for a copy of your most recent bill/statement.
To get a copy of your mortgage statement please contact your mortgage provider for a copy of your most recent statement.
If unable to get a mortgage statement, you can also get a copy of correspondence about your mortgage from your solicitor.
To get a benefits agency document choose from the below:
1. Universal Credit letter
- Online - if you applied for Universal Credit online, you can login to the universal credit portal by visiting gov.uk/sign-in-universal-credit and add a note to the 'journal' requesting your benefits letter to be sent to in the post to your home address.
- Telephone - If you applied for the benefits over the phone, call 0800 328 5644 and request for this to be sent in the post to your home address.
2. Job Centre Plus letter
- Call 0800 169 0190 and ask for this to be sent out in the post in to your home address.
To get a copy of your credit union statement, please contact your credit union and ask them to provide you with a copy of your most recent statement.
To get a letter from HMRC choose from the options below:
1. Tax code letter
- To get a copy of your tax code letter, call 0300 200 3310 and ask for it to be posted to you.
2. National Insurance number
- Internet - visit www.gov.uk and search ‘get your National Insurance number’ and click on ‘apply by post’ (using form CA5403) and follow the steps.
- Telephone - call the National Insurance Helpline on 0300 200 3500.
It can take 15 working days (3 weeks) to receive the letters by post.
Do you have any of our alternative ID documents?
To complete your application online, it’s easier if you have a photo ID. Applying online can save you time, so we recommend obtaining photo ID if you are able to.
Can’t use a photo ID? We’ve got other options. See below for a list of alternative documents you can use.
Your benefits letter must:
- Be from the Department of Work & Pensions (DWP), Job Centre Plus or Universal Credit.
- Be addressed to you.
- Be dated within the last 12 months and confirm it is for a current/ongoing benefit.
Please note, e-statements, PDF's or internet printed statements can only to be used if you have acceptable proof of ID.
To get a benefits agency document choose from the following options:
1. Universal Credit letter
- Online - if you applied for Universal Credit online, you can login to the universal credit portal by visiting universal-credit.service.gov.uk and add a note to the 'journal' requesting your benefits letter to be sent to in the post to your home address.
- Telephone - If you applied for the benefits over the phone, call 0800 328 5644 and request for this to be sent in the post to your home address.
2. Job Centre Plus letter
- Call 0800 169 0190 and ask for this to be sent out in the post in to your home address.
Your HMRC letter must be either:
- HMRC Notice of Tax Coding letter.
- National Insurance Confirmation letter.
1. HMRC Notice of Tax Coding letter
If you're using this letter, then the letter must:
- Be the original mailed letter.
- Have personal details matching the application form:
- Name
- Address.
- Include either Date of Birth or National Insurance Number (NINO).
- Be for the current or previous tax year.
2. National Insurance Confirmation letter
If you're using this letter, then the letter must:
- Be the original mailed letter.
- Include personal details matching the application form:
- Name
- Address.
- Include either Date of Birth or National Insurance Number (NINO).
Please note: The letter does not need to be dated but if it is then:
- It must be within the last 12 months.
- If the letter isn’t dated then this is still acceptable.
How to get an HMRC letter:
To get a letter from HMRC choose from the options below:
- Tax code letter
To get a copy of your tax code letter, call 0300 200 3310 and ask for it to be posted to you. - National Insurance number
Internet - visit www.gov.uk and search ‘get your National Insurance Number’ and click on ‘apply by post’ (using form CA5403) and follow the steps. Telephone - call the National Insurance Helpline on 0300 200 3500.
It can take 15 working days (3 weeks) to receive the letters by post.
Your travel pass must:
- Be a pass providing free or preferential travel rates on public transport issued by a government, local authority or council.
- Prove that you are over 60 or have reached pensionable age, or have an eligible disability.
- Be valid and in date.
- Display a name and date of birth that match those used your application form.
- Have a photo that resembles you.
You can obtain a OAP/Concessionary Travel Pass from the relevant authority (government, local authority or council).
Your registration card must :
- Be dated within the last 6 months
- Include your name and date of birth, which must match the details given on your application.
- Have a photo that resembles you.
This card is only available for asylum seekers.
You must not use a Grant of Status Letter (certificate of application letter), and must be able to provide a supporting travel document or immigration status document.
For help with your card, please contact the Home Office helpline: 020 7035 4848.
Your ID card must:
- Be valid and issued by the Northern Irish Electoral Office.
- Include your name and date of birth, and must match the details given on your application.
- Include a photo that resembles you.
For assistance with your ID card, please contact the Northern Irish Electoral Office.
To use a military I.D. card, the card :
- Must be valid and issued by the British Armed Forces.
- Must include your full name, including any middle names, and that this is the same name used for your application with us.
- Must include your date of birth, and that the date of birth given is the same as used for your application with us.
- Must include a photo that resembles you.
Acceptable documents:
Provide one of the following documents:
- Full or Abbreviated Birth/Adoption Certificate
- Certified copy of an Entry from the General Registry Office (England, Wales & Northern Ireland)
- Certified Copy of an Entry in the Register of Births (Scotland)
- A Birth Certificate registered at an overseas Embassy, consulate of Military Barracks (Only if issued pre-2014)
- Certified copy of an Entry from the Adopted Children Register.
To obtain any of these documents, please contact the relevant authority.
Requirements for your document:
To use a UK Birth/Adoption Certificate you must be 20 years old and under with no other form of I.D.
If you are over 20 years old and you have no other form of I.D. and you are:
- In a Care Home
- In Sheltered Housing
- In permanent Care
- In a Children's Home
- Living in Care at home.
Your certificate must also:
- Have the same name and date of birth as the details used in your application.
Acceptable documents:
Provide one of the following cards:
- Young Scot Card
- Transport Scotland Card
- Citizen Card
- Portman Group card
- Validate UK Card.
Requirements for your card:
In order to use a PASS/Young Scot card as an ID document, you must be 20 years old or under with no other form of ID.
If you are 20 years old or under and have no other form of I.D. your card:
- Must have a 'PASS' hologram on it.
- Must have the same name and date of birth as the details used in your application.
- Must have a photograph that resembles you.
To use a letter of introduction as proof of address, you'll need to apply in Branch.
The letter must:
- State that you are attending school and are 18 years old or younger.
- Be addressed to us (Ulster Bank).
- Be on the school's headed paper or stamped by the school.
- Include your full name, including any middle names, and is the same name used for your application with us.
- Include your address, and that the address given is the same address used for your application with us.
We can accept a Care/Foster Care Agreement as proof of address if:
- You have a different document to prove your ID.
- You are currently in Foster/Care and 18 or under.
- Your name and date of birth match your application for an account with us.
We'll need to confirm this information with social work either over the phone or in Branch.
To use a letter of introduction as proof of address, you'll need to apply in Branch.
You also must currently be in Care/Foster Care and be 18 years old or younger.
The letter must:
- Be addressed to the branch you go to for your application. The address must be the full branch address.
- Be dated.
- Include a reference from a local authority.
- Include your full name, including any middle names, and that this is the same name used for your application with us.
- Include your address, and that the address given is the same address used for your application with us.
Your pass must include:
- Your full name
- Date of issue
- Date of expiry
- Reference number
- Your date of birth.
And your photograph must be clear and resemble you.
Ready to apply?
Apply online
If you are able to obtain one of our main proof of address documents and photo ID, you can use these documents to apply online.
If you are able to obtain one of our main proof of address documents then you can use this along with a valid photo ID to apply online.
As a reminder, the documents we can accept with a valid photo ID online are:
- Full or provisional UK driving licence
- Council tax bill
- Utility bill
- Bank statement
- Credit union statement
- Mortgage statement/Solicitor Mortgage correspondence
- HMRC letter
- Benefits Agency document.
You can find details for how to obtain these documents by using the 'Get proof of address' button above.
To find out how to open an account online, please visit our bank account hub.
Call us
If you're unable to apply digitally and need the help of one of our colleagues please give us a call to see how we can support.
If you need support you can call us to open your account. Just to let you know, we offer fewer products over the phone and it will take longer to open your account.
- Phone: 0800 158 8784
- Relay UK: 18001 0800 158 8784
- Open Monday to Friday 8am - 8pm, Saturday 9am - 3pm. Closed Sunday (Opening hours may vary on Public Holidays). Calls may be recorded.
Apply in branch
It's important to us to keep you and your money safe which is why we need certain documents to open a bank account. If you're unable to provide these we may be able to help you in exceptional circumstances.
If you meet all of the following criteria please visit us in Branch to see if we can help:
- Right to reside in the UK.
- Don't have access and have never had access to any banking facilities in the UK e.g. a bank account with us or anyone else in the UK.
- Are unable to get the documents mentioned above without a cost.
What age are you?
To make sure you get the right ID for the account you'd like to apply for, we need to narrow down your age a bit more.
Information Message
If you are aged 11-15, you can only open an account if your parent or guardian already has an account with Ulster Bank. If they don't, they can check out our current account hub to apply for an account.
Aged 16-17: ID you need to apply for an account
If you're aged 16-17 you can apply online with:
- A valid photo ID and
- A recent proof of address document.
Find out more information about the documents you will need to apply below.
If you are not able to provide this, you will need to apply with the help of a parent or guardian. Your parent or guardian must have an Ulster Bank account for you to apply with their support.
If you need some more help to apply, review the options under the 'Need more help to apply' section below.
Proof of ID
We accept the following forms of photo ID:
We need to check your photo ID in the online application process, this will be done by our partner Mitek.
This has to be your photo ID and not your parent or guardian's. Your photo ID must be valid and in date.
We'll need you to have either:
- A passport
- A UK full or provisional driving licence
- A PASS card
- An ID card from an EU or EEA country.
Information Message
Proof of address
We accept the following documents:
- Full or provisional UK driving licence
- Council tax bill
- Utility bill (e.g. gas or electricity bill)
- Bank, building society or credit union statement
- HMRC letter.
Information Message
Need more help to apply?
- If you want to obtain a proof of address document listed above to help you apply online, click the 'Get proof of address' button below. After reviewing your documents, visit the Adapt account page to apply.
- If you can't obtain one of the documents we've mentioned above without incurring a cost, click the 'Alternative documents' button below. If you use one of these documents you will need to apply over the phone and your account will take longer to open.
Proof of address documents we accept
We've also included how to get one of these documents to help you with your application.
If you bank with us, there are four ways you can access your bank statements.
- In our mobile app. Simply log in to the app, click on your account and scroll down to 'Statements'. Make sure you choose a statement within the last 6 months to print.
- Through Anytime Banking. Log in to Anytime Banking, select 'Statements & transactions' from the main menu. Under 'Your statements', click 'Statements'. Make sure and choose a statement within the last 6 months to print.
- Ask our digital assistant Cora 'how do I see my bank statement'.
- Contact your local branch.
What if I bank with someone else?
Please contact or visit your local bank to access a relevant bank statement. This statement must be:
- A statement from another Bank, Building Society or Post Office.
- The original mailed statement.
- Dated within 6 months.
- For a personal account you hold with another bank, with name and address details matching those on your application with us.
You can use two letters from HMRC as your proof of address:
- Notice of Tax Coding letter
- National Insurance Confirmation letter.
Your HMRC Letter must:
- Be the original mailed letter.
- Have personal details that match those on your application.
- Be addressed to the same place as your application.
- Include your date of birth or National Insurance Number.
- Be for the current or last tax year.
To get a letter from HMRC choose from the options below:
1. Tax code letter
- To get a copy of your tax code letter, call 0300 200 3310 and ask for it to be posted to you.
2. National Insurance number
- Internet - visit www.gov.uk and search ‘get your National Insurance Number’ and click on ‘apply by post’ (using form CA5403) and follow the steps.
- Telephone - call the National Insurance Helpline on 0300 200 3500.
It can take 15 working days (3 weeks) to receive the letters by post.
A utility bill is a bill for services such as gas, electricity and water. Please contact your local utility provider for a copy of your most recent bill/statement.
Can I use my parent's proof of address?
- If you are going to be using the account (and not your parent on your behalf) your parent/guardian's address verification can be used if you share the same surname.
- If you don't share the same surname, you must get documents to show the link between you and your parent/guardian as well as your parent/guardian's proof of address documents.
What can I use for parent's proof of address?
As a reminder, here are proof of address documents we can accept:
- Bank statement
- Council tax bill
- Mortgage statement/Solicitor mortgage correspondence
- Full or provisional UK driving licence
- HMRC letter
- Credit union statement.
Proof of relationship documents we accept
If you are applying with the support of a parent or guardian, we might need to see a proof of relationship document.
We'll only ask for this if your last name is different from your parents. If you have changed your name we may also need to see proof of name change.
You can use the following documents as proof of relationship:
- Birth/Adoption certificate
- Legal guardianship
- HMRC/Benefits letter
- Child arrangement order
- Foster care agreement.
Check our alternative proof of address documents
It may be easiest for you to get photo ID or one of our main proof of address documents so that you can complete your application digitally. This is because it is quicker to apply with us online.
If that's not possible, please check the following list to see how we can help. It will take longer and we might need to see alternative documentation.
Can I use my parent's proof of address?
- If you are going to be using the account (not your parent on your behalf) your parent/guardian's address verification can be used if you share the same surname.
- If you don't share the same surname you must get documents to show the link between you and your parent/guardian as well as your parent/guardian's proof of address documents.
Documents you can use for proof of relationship.
What can I use for parent's proof of address?
As a reminder, here are proof of address documents we would accept:
- Bank statement
- Council tax bill
- Mortgage statement/Solicitor mortgage correspondence
- Full or provisional UK driving licence
- HMRC letter
- Credit union statement.
Your agreement document must:
- Evidence that you are currently in foster care or care.
- Evidence that you are 18 years old or under.
- Your full name (inc. middle name) and date of birth must match those used in your application.
Letter of Introduction from a school
Your letter must:
- Evidence that the child is currently attending the school and is 18 years old or younger.
- Be addressed to the Bank.
- Be on the school's headed paper or stamped by the school.
- Include the applicant's full name, including any middle names.
- Include the applicant's address.
Letter of Introduction for a child in Care/Foster Care
Your letter must:
- Evidence the child is currently in care/foster care and is 18 years old or younger.
- Be addressed to the applicant’s Ulster Bank branch name (with full address of the branch) and must be addressed to either the branch or a named person who works at the branch.
- Include the date the letter was written.
- Include a reference (if required by Local Authority to complete call back and identify foster child).
- Include the full name of the foster child, including middle names.
- Include the foster child’s full date of birth.
- Include the foster child’s home address including house number, street, town/county, country, and postcode.
Proof of relationship documents we accept
If you are applying with the support of a parent or guardian, we might need to see a proof of relationship document.
We'll only ask for this if your last name is different from your parents. If you have changed your name we may also need to see proof of name change.
You can use the following documents as proof of relationship:
- Birth/Adoption certificate
- Legal guardianship
- HMRC/Benefits letter
- Child arrangement order
- Foster care agreement.
Next steps to apply
Apply online
If you are able to get one of our main proof of address documents and photo ID, you can use these documents to apply online.
If you are able to obtain one of our main proof of address documents then you can use this along with a valid photo ID to apply online.
As a reminder, the documents we can accept with a valid photo ID online are:
- Full or provisional UK driving licence
- Council tax bill
- Utility bill
- Bank statement
- Credit union statement
- HMRC letter
To find out how to open an account online, please visit our Teen bank account page.
As a reminder, without a valid proof of ID or proof of address, you will need the help of a parent or guardian to open your account. Your parent or guardian will need to have an account with us and you will still need to prove your identify and address.
Call us
If you're unable to apply digitally and need the help of one of our colleagues please give us a call to see how we can support.
If you need support you can call us to open your account. Just to let you know, it will take longer to open your account over the phone.
Phone: 0800 158 8784
Relay UK: 18001 0800 158 8784
Open Monday to Friday 8am - 8pm, Saturday 9am - 3pm. Closed Sunday.
(Opening hours may vary on Public Holidays)
Calls may be recorded.
Apply in branch
It's important to us to keep you and your money safe which is why we need certain documents to open a bank account. If you're unable to provide these we may be able to help you in exceptional circumstances.
If you meet all of the following criteria please visit us in Branch to see if we can help:
- Right to reside in the UK.
- Don't have access and have never had access to any banking facilities in the UK e.g. a bank account with us or anyone else in the UK.
- Are unable to get the documents mentioned above without a cost.
Aged 11-15: ID you need to apply for an account
If you are 11-15 years old your parent or guardian must have an account with Ulster Bank for you to apply for an account with us.
We will also need you to provide a valid photo ID so that we can check you are who you say you are.
If you don't have photo ID we will need to see your UK birth or adoption certificate so that you are able to apply online.
Parent/guardian's account
Your parent or guardian must have an account with us for you to apply.
We need your parent or guardian to have an account with us. Fancy having them join Ulster Bank? They can check out our account options on our current account hub.
After they've opened their account and got their Online Banking sorted, visit our Adapt account page and start your application.
Information Message
Proof of ID
We accept the following documents:
We need to check your photo ID in the online application process, this will be done by our partner Mitek.
This has to be your photo ID and not your parent or guardian's. Your photo ID must be valid and in date.
We'll need you to have either:
- A passport
- A UK full or provisional driving licence
- A PASS card
- An ID card from an EU or EEA country.
Information Message
UK birth or adoption certificate
If you don't have photo ID, you can use your birth or adoption certificate to apply.
We can use your birth certificate, along with your parent or guardian's account to identify you when applying online.
Once you're done with the application, we'll need your parent or guardian to either pop into branch or post us your birth certificate so that we can get your account up and running.
Information Message
Need more help to apply?
If you can't obtain one of the documents we've mentioned above without incurring a cost, click the 'More help' button below.
If you use one of these documents you will need to apply over the phone and your account will take longer to open.
You don't have the right ID to apply yet, but we can help
To apply for a Child or Teen account online, we need to see the following ID:
- Photo ID, such as a passport
- A UK birth or adoption certificate
We have alternative ID options that you could use instead. If you choose to use one of these options, you will need to apply on the phone and it will take longer to open your account.
We'll also ask for proof of relationship if your last name is different from your parents. You can see the documents we'll accept as proof of relationship below.
Check our alternative proof of address documents
It may be easiest for you to get photo ID or one of our main proof of address documents so that you can complete your application digitally. This is because it is quicker to apply with us online.
If that's not possible, please check the following list to see how we can help. It will take longer and we might need to see alternative documentation.
Can I use my parent's proof of address?
- If you are going to be using the account (not your parent on your behalf) your parent/guardian's address verification can be used if you share the same surname.
- If you don't share the same surname you must get documents to show the link between you and your parent/guardian as well as your parent/guardian's proof of address documents.
What can I use for parent's proof of address?
As a reminder, here are proof of address documents we would accept:
- Bank statement
- Council tax bill
- Mortgage statement/Solicitor mortgage correspondence
- Full or provisional UK driving licence
- HMRC letter
- Credit union statement.
Your agreement document must:
- Evidence that you are currently in foster care or care.
- Evidence that you are 18 years old or under.
- Your full name (inc. middle name) and date of birth must match those used in your application.
If you use this document, confirmation from the local council or social worker must be confirmed either by a visit from a representative to branch or via a call back to confirm that the details are correct.
Letter of Introduction from a school
Your letter must:
- Evidence that the child is currently attending the school and is 18 years old or younger.
- Be addressed to the bank.
- Be on the school's headed paper or stamped by the school.
- Include the applicant's full name, including any middle names.
- Include the applicant's address.
Letter of Introduction for a child in Care/Foster Care
Your letter must:
- Evidence the child is currently in care/foster care and is 18 years old or younger.
- Be addressed to the applicant’s Ulster Bank branch name (with full address of the branch) and must be addressed to either the branch or a named person who works at the branch.
- Include the date the letter was written.
- Include a reference (if required by Local Authority to complete call back and identify foster child).
- Include the full name of the foster child, including middle names.
- Include the foster child’s full date of birth.
- Include the foster child’s home address including house number, street, town/county, country, and postcode.
Proof of relationship documents we accept
We'll only ask for this if your last name is different from your parents. If you have changed your name we may also need to see proof of name change.
You can use the following documents as proof of relationship:
- Birth/Adoption certificate
- Legal guardianship
- HMRC/Benefits letter
- Child arrangement order
- Foster care agreement.
Next steps to apply
Apply online
If you are able to get photo ID or your UK birth or adoption certificate, you can use these documents to apply online.
To apply online we need to see photo ID or your UK birth or adoption certificate.
The photo ID documents we can accept are:
- A passport
- An ID card from an EU or EEA country
- A PASS card
- A provisional UK driving licence
If want to apply online, we recommend obtaining one of the above documents and returning to complete your application later.
You can also apply online with your UK birth or adoption certificate. Without photo ID, we'll need your parent or guardian to pop into branch or post us your birth certificate so that we can open the account.
To get a copy of your UK birth or adoption certificate, contact the following bodies:
You can get a copy of your certificate from:
- England and Wales:
The General Register Office
- Scotland:
The National Records of Scotland
- Northern Ireland:
The General Register Office for Northern Ireland
When you are ready to open the account, please visit our Teen bank account page.
Call us
If you're unable to apply digitally and need the help of one of our colleagues please give us a call to see how we can support. If you have special circumstances, for instance you are in care, sheltered accommodation, permanent care, a children's home or in care and living at home then please call us.
If you need support you can call us to open your account. Just to let you know, it will take longer to open your account over the phone.
Phone: 0800 158 8784
Relay UK: 18001 0800 158 8784
Open Monday to Friday 8am - 8pm, Saturday 9am - 3pm. Closed Sunday.
(Opening hours may vary on Public Holidays)
Calls may be recorded.
Apply for a NatWest Rooster Money account
If you are under 11, you can't get a bank account with us just yet but you can get a NatWest Rooster Money account instead.
With Rooster Money, you can get a prepaid debit card, our Rooster Card, for kids between the ages of 6 and 17.
You can find out what ID options you need to get Rooster Card on our Rooster Money page.
What type of account are you applying for?
Information Message
To apply for an adult current account you must be aged 18+. You can apply for a child or teen account if you are aged 11-17.
ID you need to apply for a current account
You can apply for an account online with us if you have:
- A valid passport, supported by a valid Biometric Residency Permit (BRP) or eVisa Share Code.
- A proof of address documents from the following list.
If you are unable to provide these documents, choose an option from the 'Need more help before applying?' section on this page.
Proof of ID
We can accept a non-UK/EU passport supported by a valid BRP or eVisa Share Code.
Your passport must be:
- Valid
- In date (not expired)
- Match the details provided in your application.
Your passport must be supported by a valid Visa/Biometric Residence Permit or an eVisa Share Code.
For more information or to apply for an eVisa Share Code, please visit gov.uk.
Information Message
Proof of address
We accept the following documents:
Information Message
Need some more help before applying?
- To apply for one of our main proof of address documents, click the 'Get proof of address' button below. After reviewing your documents, you can return here to apply online.
- Check if you have any of our alternative documents by selecting the 'Alternative documents' button. If you do, you can use one of these instead. Please note, by using one of these documents it will take longer to open your account.
- If you don't have any of our alternative documents, select the 'More help' button to see your options.
Select a document from the following list to find out how to use this as proof of address
Once you've received your proof of address document in the post, you can use this with your proof of ID to apply for a bank account online.
If you bank with us, there are four ways you can access your bank statements;
- In our mobile app. Simply log in to the app, click on your account and scroll down to 'Statements'. Make sure you choose a statement within the last 6 months to print.
- Through Anytime Banking. Log in to Anytime Banking, select 'Statements & transactions' from the main menu. Under 'Your statements', click 'Statements'. Make sure you choose a statement within the last 6 months to print.
- Ask our digital assistant Cora 'how do I see my bank statement'.
- Contact your local branch.
What if I bank with someone else?
Please contact or visit your local bank to access a relevant bank statement. This statement must be:
- A statement from another Bank, Building Society or Post Office.
- The original mailed statement.
- Dated within 6 months.
- For a personal account you hold with another bank, with name and address details matching those on your application with us.
Please visit your local council website or contact your local council for a copy of your most recent council tax bill.
To find your local council please visit gov.uk/find-local-council.
A utility bill is a bill for services such as gas, electricity and water. Please contact your local utility provider for a copy of your most recent bill/statement.
To get a copy of your mortgage statement please contact your mortgage provider for a copy of your most recent statement.
If unable to get a mortgage statement, you can also get a copy of correspondence about your mortgage from your solicitor.
To get a benefits agency document choose from the below:
1. Universal Credit letter
- Online - if you applied for Universal Credit online, you can login to the universal credit portal by visiting gov.uk/sign-in-universal-credit and add a note to the 'journal' requesting your benefits letter to be sent to in the post to your home address.
- Telephone - If you applied for the benefits over the phone, call 0800 328 5644 and request for this to be sent in the post to your home address.
2. Job Centre Plus letter
- Call 0800 169 0190 and ask for this to be sent out in the post in to your home address.
To get a copy of your credit union statement, please contact your credit union and ask them to provide you with a copy of your most recent statement.
To get a letter from HMRC choose from the options below:
1. Tax code letter
- To get a copy of your tax code letter, call 0300 200 3310 and ask for it to be posted to you.
2. National Insurance number
- Internet - visit www.gov.uk and search ‘get your National Insurance number’ and click on ‘apply by post’ (using form CA5403) and follow the steps.
- Telephone - call the National Insurance Helpline on 0300 200 3500
It can take 15 working days (3 weeks) to receive the letters by post.
Do you have any of our alternative ID documents?
To complete your application online, it’s easier if you have a photo ID. Applying online can save you time, and we recommend obtaining photo ID if you are able to.
Can’t use a photo ID? We’ve got other options. See below for a list of alternative documents you can use.
Using an eVisa as your proof of ID
- You must provide your eVisa share code at a branch. This code consists of a unique combination of letters and numbers provided by the Home Office.
- You can get a share code if you have an eVisa linked to your UK Visas and Immigration (UKVI) account. This share code can be used to prove your immigration status and identity.
- The details on your eVisa must match the details given on your application (e.g. name).
For more info on eVisa’s and obtaining your share code, please visit the gov.uk website.
Your benefits letter must:
- Be from the Department of Work & Pensions (DWP), Job Centre Plus or Universal Credit.
- Be addressed to you.
- Be dated within the last 12 months and confirm it is for a current/ongoing benefit.
Please note, e-statements, PDF's or internet printed statements can only to be used if you have acceptable proof of ID.
To get a benefits agency document choose from the following options:
1. Universal Credit letter
- Online - if you applied for Universal Credit online, you can login to the universal credit portal by visiting universal-credit.service.gov.uk and add a note to the 'journal' requesting your benefits letter to be sent to in the post to your home address.
- Telephone - If you applied for the benefits over the phone, call 0800 328 5644 and request for this to be sent in the post to your home address.
2. Job Centre Plus letter
- Call 0800 169 0190 and ask for this to be sent out in the post in to your home address.
Your HMRC letter must be either:
- HMRC Notice of Tax Coding letter.
- National Insurance Confirmation letter.
1. HMRC Notice of Tax Coding letter
If you're using this letter, then the letter must:
- Be the original mailed letter.
- Have personal details matching the application form:
- Name
- Address
- Include either Date of Birth or National Insurance Number (NINO).
- Be for the current or previous tax year.
2. National Insurance Confirmation letter
If you're using this letter, then the letter must:
- Be the original mailed letter.
- Include personal details matching the application form:
- Name
- Address.
- Include either Date of Birth or National Insurance Number (NINO).
Please note: The letter does not need to be dated but if it is then:
- It must be within the last 12 months.
- If the letter isn’t dated then this is still acceptable.
How to get an HMRC letter:
To get a letter from HMRC choose from the options below:
- Tax code letter
To get a copy of your tax code letter, call 0300 200 3310 and ask for it to be posted to you. - National Insurance number
Internet - visit www.gov.uk and search ‘get your National Insurance Number’ and click on ‘apply by post’ (using form CA5403) and follow the steps. Telephone - call the National Insurance Helpline on 0300 200 3500.
It can take 15 working days (3 weeks) to receive the letters by post.
Your travel pass must:
- Be a pass providing free or preferential travel rates on public transport issued by a government, local authority or council.
- Prove that you are over 60 or have reached pensionable age, or have an eligible disability.
- Be valid and in date.
- Display a name and date of birth that match those used your application form.
- Have a photo that resembles you.
You can obtain a OAP/Concessionary Travel Pass from the relevant authority (government, local authority or council).
Your registration card must :
- Be dated within the last 6 months
- Include your name and date of birth, which must match the details given on your application.
- Have a photo that resembles you.
This card is only available for asylum seekers.
You must not use a Grant of Status Letter (certificate of application letter), and must be able to provide a supporting travel document or immigration status document.
For help with your card, please contact the Home Office helpline: 020 7035 4848.
Your ID card must:
- Be valid and issued by the Northern Irish Electoral Office.
- Include your name and date of birth, and must match the details given on your application.
- Include a photo that resembles you.
For assistance with your ID card, please contact the Northern Irish Electoral Office.
To use a military I.D. card, the card :
- Must be valid and issued by the British Armed Forces.
- Must include your full name, including any middle names, and that this is the same name used for your application with us.
- Must include your date of birth, and that the date of birth given is the same as used for your application with us.
- Must include a photo that resembles you.
Acceptable documents:
Provide one of the following documents:
- Full or Abbreviated Birth/Adoption Certificate
- Certified copy of an Entry from the General Registry Office (England, Wales & Northern Ireland)
- Certified Copy of an Entry in the Register of Births (Scotland)
- A Birth Certificate registered at an overseas Embassy, consulate of Military Barracks (Only if issued pre-2014)
- Certified copy of an Entry from the Adopted Children Register.
To obtain any of these documents, please contact the relevant authority.
Requirements for your document:
To use a UK Birth/Adoption Certificate you must be 20 years old and under with no other form of I.D.
If you are over 20 years old and you have no other form of I.D. and you are:
- In a Care Home
- In Sheltered Housing
- In permanent Care
- In a Children's Home
- Living in Care at home.
Your certificate must also:
- Have the same name and date of birth as the details used in your application.
Acceptable documents:
Provide one of the following cards:
- Young Scot Card
- Transport Scotland Card
- Citizen Card
- Portman Group card
- Validate UK Card.
Requirements for your card:
In order to use a PASS/Young Scot card as an ID document, you must be 20 years old or under with no other form of ID.
If you are 20 years old or under and have no other form of I.D. your card:
- Must have a 'PASS' hologram on it.
- Must have the same name and date of birth as the details used in your application.
- Must have a photograph that resembles you.
To use a letter of introduction as proof of address, you'll need to apply in Branch.
The letter must:
- State that you are attending school and are 18 years old or younger.
- Be addressed to us (Ulster Bank).
- Be on the school's headed paper or stamped by the school.
- Include your full name, including any middle names, and is the same name used for your application with us.
- Include your address, and that the address given is the same address used for your application with us.
We can accept a Care/Foster Care Agreement as proof of address if:
- You have a different document to prove your ID.
- You are currently in Foster/Care and 18 or under.
- Your name and date of birth match your application for an account with us.
We'll need to confirm this information with social work either over the phone or in Branch.
To use a letter of introduction as proof of address, you'll need to apply in Branch.
You also must currently be in Care/Foster Care and be 18 years old or younger.
The letter must:
- Be addressed to the branch you go to for your application. The address must be the full branch address.
- Be dated.
- Include a reference from a local authority.
- Include your full name, including any middle names, and that this is the same name used for your application with us.
- Include your address, and that the address given is the same address used for your application with us.
Your pass must include:
- Your full name
- Date of issue
- Date of expiry
- Reference number
- Your date of birth.
And your photograph must be clear and resemble you.
Ready to apply?
Apply online
If you are able to obtain one of our main proof of address documents and photo ID, you can use these documents to apply online.
If you are able to obtain one of our main proof of address documents then you can use this along with a valid photo ID to apply online.
As a reminder, the documents we can accept with a valid photo ID online are:
- Full or provisional UK driving licence
- Council tax bill
- Utility bill
- Bank statement
- Credit union statement
- Mortgage statement/Solicitor mortgage correspondence
- HMRC letter
- Benefits agency document.
You can find details for how to obtain these documents by using the 'Find out how' option above.
To find out how to open an account online, please visit our bank account hub.
Call us
If you're unable to apply digitally and need the help of one of our colleagues please give us a call to see how we can support.
If you need support you can call us to open your account. Just to let you know, we offer fewer products over the phone and it will take longer to open your account.
- Phone: 0800 158 8784
- Relay UK: 18001 0800 158 8784
- Open Monday to Friday 8am - 8pm, Saturday 9am - 3pm. Closed Sunday (Opening hours may vary on Public Holidays). Calls may be recorded.
Apply in branch
It's important to us to keep you and your money safe which is why we need certain documents to open a bank account. If you're unable to provide these we may be able to help you in exceptional circumstances.
If you meet all of the following criteria please visit us in Branch to see if we can help:
- Right to reside in the UK.
- Don't have access and have never had access to any banking facilities in the UK e.g. a bank account with us or anyone else in the UK.
- Are unable to get the documents mentioned above without a cost.
Please choose from the below options:
You might be eligible for one of our accounts through one of the options below. Select the button which describes your circumstances.
Welcome to the UK
Here at Ulster Bank, we want to help. For us, this means giving you access to free and simple UK banking and support both online and in our branches with our basic bank account designed around you.
If you're interested in opening an account with us, click the link below to find out how to apply.
Applying for a bank account in branch
If you're an asylum seeker and are looking to open an account with us, please visit your local branch so they can help you complete an application.
You can use your ARC (Application Registration Card) as proof of ID, so take this with you along with proof of address if you have this. Take a look at our list of acceptable documents below to know what we can accept as proof of address.
- Council Tax bill
- Bank/building society statement
- HMRC letter
- Benefits letter
- Credit union statement
- Utility bill
- Tenancy agreement from local council or housing association
- Mortgage correspondence.
How to apply without access to ID
We work hard to stop criminals from opening bank accounts using fake or stolen ID. We try to do this by verifying all our new customers with proof of identity and address documents.
If you don't have these documents, we may still be able to support you if you meet the following criteria:
- Have the right to reside in the UK.
- Don't have access and have never had access to any banking facilities in the UK e.g. a bank account with us or anyone else in the UK.
- Are unable to get the documents mentioned previously without cost.
Please visit us in branch to see how we could help.
What age are you?
To make sure you get the right ID for the account you'd like to apply for, we need to narrow down your age a bit more.
Information Message
If you are aged 11-15, you can only open an account if your parent or guardian already has an account with Ulster Bank. If they don't, they can check out our current account hub to apply for an account.
Aged 16-17: ID you need to apply for an account
If you're aged 16-17, you can apply online with:
- A passport, supported by a valid Biometric Residency Permit or a valid UK Government share code
- A recent proof of address document.
Find out more information about the documents you will need to apply below.
If you are not able to provide this, you will need to apply with the help of a parent or guardian. Your parent or guardian must have an Ulster Bank account for you to apply with their support.
If you need some more help to apply, review the options under the 'Need more help to apply' section below.
Proof of ID
Your passport must be supported by a valid BRP or share code.
We need to check your photo ID (passport) in the online application process, this will be done by our partner Mitek.
This has to be your photo ID and not your parent or guardian's. Your photo ID must be valid and in date.
Your passport must:
- Be valid and in date
- Include your full name
- Include your date of birth
- Have a photo that resembles you
- Be supported by a VISA / Biometric Residency Permit (BRP) OR a valid UK Government share code.
To apply for a share code, please visit gov.uk.
Information Message
Proof of address
We accept the following documents:
- Full or provisional UK driving licence
- Council tax bill
- Utility bill (e.g. gas or electricity bill)
- Bank, building society or credit union statement
- HMRC letter.
Your document must show your name and address, and be an original copy. We can't accept downloaded copies of letters or mobile phone bills.
Information Message
Need more help to apply?
- If you want to obtain a proof of address document listed above to help you apply online, click the 'Get proof of address' button below. After reviewing your documents, visit the Adapt account page to apply.
- If you can't obtain one of the documents we've mentioned above without incurring a cost, click the 'Alternative documents' button below. If you use one of these documents you will need to apply over the phone and your account will take longer to open.
Proof of address documents we accept
We've also included how to get one of these documents to help you with your application.
If you bank with us, there are four ways you can access your bank statements.
- In our mobile app. Simply log in to the app, click on your account and scroll down to 'Statements'. Make sure you choose a statement within the last 6 months to print.
- Through Anytime Banking. Log in to Anytime Banking, select 'Statements & transactions' from the main menu. Under 'Your statements', click 'Statements'. Make sure and choose a statement within the last 6 months to print.
- Ask our digital assistant Cora 'how do I see my bank statement'.
- Contact your local branch.
What if I bank with someone else?
Please contact or visit your local bank to access a relevant bank statement. This statement must be:
- A statement from another Bank, Building Society or Post Office.
- The original mailed statement.
- Dated within 6 months.
- For a personal account you hold with another bank, with name and address details matching those on your application with us.
You can use two letters from HMRC as your proof of address:
- Notice of Tax Coding letter
- National Insurance Confirmation letter.
Your HMRC Letter must:
- Be the original mailed letter.
- Have personal details that match those on your application.
- Be addressed to the same place as your application.
- Include your date of birth or National Insurance Number.
- Be for the current or last tax year.
To get a letter from HMRC choose from the options below:
1. Tax code letter
- To get a copy of your tax code letter, call 0300 200 3310 and ask for it to be posted to you.
2. National Insurance number
- Internet - visit www.gov.uk and search ‘get your National Insurance Number’ and click on ‘apply by post’ (using form CA5403) and follow the steps.
- Telephone - call the National Insurance Helpline on 0300 200 3500.
It can take 15 working days (3 weeks) to receive the letters by post.
A utility bill is a bill for services such as gas, electricity and water. Please contact your local utility provider for a copy of your most recent bill/statement.
Can I use my parent's proof of address?
- If you are going to be using the account (and not your parent on your behalf) your parent/guardian's address verification can be used if you share the same surname.
- If you don't share the same surname, you must get documents to show the link between you and your parent/guardian as well as your parent/guardian's proof of address documents.
What can I use for parent's proof of address?
As a reminder, here are proof of address documents we can accept:
- Bank statement
- Council tax bill
- Mortgage statement/Solicitor mortgage correspondence
- Full or provisional UK driving licence
- HMRC letter
- Credit union statement.
Proof of relationship documents we accept
If you are applying with the support of a parent or guardian, we might need to see a proof of relationship document.
We'll only ask for this if your last name is different from your parents. If you have changed your name we may also need to see proof of name change.
You can use the following documents as proof of relationship:
- Birth/Adoption certificate
- Legal guardianship
- HMRC/Benefits letter
- Child arrangement order
- Foster care agreement.
Check our alternative proof of address documents
It may be easiest for you to get photo ID or one of our main proof of address documents so that you can complete your application digitally. This is because it is quicker to apply with us online.
If that's not possible, please check the following list to see how we can help. It will take longer and we might need to see alternative documentation.
Can I use my parent's proof of address?
- If you are going to be using the account (not your parent on your behalf) your parent/guardian's address verification can be used if you share the same surname.
- If you don't share the same surname you must get documents to show the link between you and your parent/guardian as well as your parent/guardian's proof of address documents.
What can I use for parent's proof of address?
As a reminder, here are proof of address documents we would accept:
- Bank statement
- Council tax bill
- Mortgage statement/Solicitor mortgage correspondence
- Full or provisional UK driving licence
- HMRC letter
- Credit union statement.
Your agreement document must:
- Evidence that you are currently in foster care or care.
- Evidence that you are 18 years old or under.
- Your full name (inc. middle name) and date of birth must match those used in your application.
Letter of Introduction from a school
Your letter must:
- Evidence that the child is currently attending the school and is 18 years old or younger.
- Be addressed to the Bank.
- Be on the school's headed paper or stamped by the school.
- Include the applicant's full name, including any middle names.
- Include the applicant's address.
Letter of Introduction for a child in Care/Foster Care
Your letter must:
- Evidence the child is currently in care/foster care and is 18 years old or younger.
- Be addressed to the applicant’s Ulster Bank branch name (with full address of the branch) and must be addressed to either the branch or a named person who works at the branch.
- Include the date the letter was written.
- Include a reference (if required by Local Authority to complete call back and identify foster child).
- Include the full name of the foster child, including middle names.
- Include the foster child’s full date of birth.
- Include the foster child’s home address including house number, street, town/county, country, and postcode.
Next steps to apply
Apply online
If you are able to get one of our main proof of address documents and photo ID, you can use these documents to apply online.
If you are able to obtain one of our main proof of address documents then you can use this along with a valid photo ID to apply online.
As a reminder, the documents we can accept with a valid photo ID online are:
- Full or provisional UK driving licence
- Council tax bill
- Utility bill
- Bank statement
- Credit union statement
- HMRC letter.
To find out how to open an account online, please visit our Teen bank account page.
As a reminder, without a valid proof of ID or proof of address, you will need the help of a parent or guardian to open your account. Your parent or guardian will need to have an account with us and you will still need to prove your identify and address.
Call us
If you're unable to apply digitally and need the help of one of our colleagues please give us a call to see how we can support.
If you need support you can call us to open your account. Just to let you know, it will take longer to open your account over the phone.
Phone: 0800 158 8784
Relay UK: 18001 0800 158 8784
Open Monday to Friday 8am - 8pm, Saturday 9am - 3pm. Closed Sunday.
(Opening hours may vary on Public Holidays)
Calls may be recorded.
Apply in branch
It's important to us to keep you and your money safe which is why we need certain documents to open a bank account. If you're unable to provide these we may be able to help you in exceptional circumstances.
If you meet all of the following criteria please visit us in Branch to see if we can help:
- Right to reside in the UK.
- Don't have access and have never had access to any banking facilities in the UK e.g. a bank account with us or anyone else in the UK.
- Are unable to get the documents mentioned above without a cost.
Aged 11-15: ID you need to apply for an account
If you are 11-15 years old your parent or guardian must have an account with Ulster Bank for you to apply for an account with us.
We will also need you to provide a valid photo ID so that we can check you are who you say you are.
If you don't have photo ID we will need to see your UK birth or adoption certificate so that you are able to apply online. If you don't have this document, take a look at the 'Need more help to apply?' section of this page to see what your options are.
Parent/guardian's account
Your parent or guardian must have an account with us for you to apply.
We need your parent or guardian to have an account with us. Fancy having them join Ulster Bank? They can check out our account options on our current account hub.
After they've opened their account and got their Online Banking sorted, visit our Adapt account page and start your application.
Information Message
Proof of ID
We can accept a non-UK/EU passport supported by a valid BRP or share code.
Your passport must be:
- Valid
- In date (not expired)
- Match the details provided in your application.
Your passport must be supported by a valid Visa/Biometric Residence Permit or a UK Government share code.
For more information or to apply for a share code, please visit gov.uk.
Information Message
UK birth or adoption certificate
If you don't have photo ID, you can use your birth or adoption certificate to apply.
We can use your birth certificate, along with your parent or guardian's account to identify you when applying online.
Once you're done with the application, we'll need your parent or guardian to either pop into branch or post us your birth certificate so that we can get your account up and running.
Information Message
Need more help to apply?
If you can't obtain one of the documents we've mentioned above without incurring a cost, click the 'More help' button below.
If you use one of these documents you will need to apply over the phone and your account will take longer to open.
You don't have the right ID to apply yet, but we can help
To apply for a Child or Teen account online, we need to see the following ID:
- A passport, supported by a valid Biometric Residency Permit or UK Government share code.
We have alternative ID options that you could use instead. If you choose to use one of these options, you will need to apply on the phone and it will take longer to open your account.
We'll also ask for proof of relationship if your last name is different from your parents. You can see the documents we'll accept as proof of relationship below.
Check our alternative proof of address documents
It may be easiest for you to get photo ID or one of our main proof of address documents so that you can complete your application digitally. This is because it is quicker to apply with us online.
If that's not possible, please check the following list to see how we can help. It will take longer and we might need to see alternative documentation.
Can I use my parent's proof of address?
- If you are going to be using the account (not your parent on your behalf) your parent/guardian's address verification can be used if you share the same surname.
- If you don't share the same surname you must get documents to show the link between you and your parent/guardian as well as your parent/guardian's proof of address documents.
What can I use for parent's proof of address?
As a reminder, here are proof of address documents we would accept:
- Bank statement
- Council tax bill
- Mortgage statement/Solicitor mortgage correspondence
- Full or provisional UK driving licence
- HMRC letter
- Credit union statement.
Your agreement document must:
- Evidence that you are currently in foster care or care.
- Evidence that you are 18 years old or under.
- Your full name (inc. middle name) and date of birth must match those used in your application.
If you use this document, confirmation from the local council or social worker must be confirmed either by a visit from a representative to branch or via a call back to confirm that the details are correct.
Letter of Introduction from a school
Your letter must:
- Evidence that the child is currently attending the school and is 18 years old or younger.
- Be addressed to the bank.
- Be on the school's headed paper or stamped by the school.
- Include the applicant's full name, including any middle names.
- Include the applicant's address.
Letter of Introduction for a child in Care/Foster Care
Your letter must:
- Evidence the child is currently in care/foster care and is 18 years old or younger.
- Be addressed to the applicant’s Ulster Bank branch name (with full address of the branch) and must be addressed to either the branch or a named person who works at the branch.
- Include the date the letter was written.
- Include a reference (if required by Local Authority to complete call back and identify foster child).
- Include the full name of the foster child, including middle names.
- Include the foster child’s full date of birth.
- Include the foster child’s home address including house number, street, town/county, country, and postcode.
Proof of relationship documents we accept
We'll only ask for this if your last name is different from your parents. If you have changed your name we may also need to see proof of name change.
You can use the following documents as proof of relationship:
- Birth/Adoption certificate
- Legal guardianship
- HMRC/Benefits letter
- Child arrangement order
- Foster care agreement.
Next steps to apply
Apply online
If you are able to get photo ID or your UK birth or adoption certificate, you can use these documents to apply online.
To apply online we need to see photo ID or your UK birth or adoption certificate.
The photo ID documents we can accept are:
- A passport, supported by a valid Biometric Residency Permit or valid UK Government share code.
If want to apply online, we recommend obtaining one of the documents and returning to complete your application later.
You can also apply online with your UK birth or adoption certificate. Without photo ID, we'll need your parent or guardian to pop into branch or post us your birth certificate so that we can open the account.
To get a copy of your UK birth or adoption certificate, contact the following bodies:
You can get a copy of your certificate from:
- England and Wales:
The General Register Office
- Scotland:
The National Records of Scotland
- Northern Ireland:
The General Register Office for Northern Ireland
When you are ready to open the account, please visit our Teen bank account page.
Call us
If you're unable to apply digitally and need the help of one of our colleagues please give us a call to see how we can support. If you have special circumstances, for instance you are in care, sheltered accommodation, permanent care, a children's home or in care and living at home then please call us.
If you need support you can call us to open your account. Just to let you know, it will take longer to open your account over the phone.
Phone: 0800 158 8784
Relay UK: 18001 0800 158 8784
Open Monday to Friday 8am - 8pm, Saturday 9am - 3pm. Closed Sunday.
(Opening hours may vary on Public Holidays)
Calls may be recorded.
Apply for a NatWest Rooster Money account
If you are under 11, you can't get a bank account with us just yet but you can get a NatWest Rooster Money account instead.
With Rooster Money, you can get a prepaid debit card, our Rooster Card, for kids between the ages of 6 and 17.
You can find out what ID options you need to get Rooster Card on our Rooster Money page.
The UK government links are to an external website, and we are not responsible for their content.
Proof of affordability
For loans, credit card and some current account applications we may require some of the documentation below to verify your income. Your application pack will detail exactly what we require.
- A payslip (no more than eight weeks old)
- Three month's bank statements (last transaction date no more than eight weeks ago)
- One month's statement for each credit card held (dated within the last 40 days)
- Proof of mortgage/rental payments
- Statements for any other existing finance agreements
- One month's statement for any credit union accounts (if applicable), dated within the last 40 days
- Two years tax assessments or finalised accounts as proof of any declared rental income
New to the UK?
If you're new to the UK or are arriving soon, you'll need to know your new UK address before applying, and enter this during your application.
Once you've applied, we'll ask you for proof of identity and proof of UK address, which we'll need to verify before we open your account.
If you've just arrived in the UK and are here as a working professional, you may find it easier and quicker to obtain one of the following proof of address documents and apply online.
HMRC notification of National Insurance number
HMRC notification of tax coding
- Bank statement from an existing bank which is now addressed to your new UK address (this does not need to be from a UK bank)
Visit the UK government website if you'd like more information on obtaining a HMRC document.
Take a look at our list of acceptable documents if you already have something different.
If you've just arrived to the UK as an international student or you’ve lived in the UK for less than 3 years, you're not eligible for our student account. You can however still apply for one of our other accounts. See our current accounts hub for other options.
You may find it easier and quicker to obtain one of the following proof of address documents and apply online.
HMRC notification of National Insurance number
HMRC notification of tax coding
- Bank statement from an existing bank which is now addressed to your new UK address (this does not need to be from a UK bank)
Visit the UK government website if you'd like more information on obtaining a HMRC document.
Take a look at our list of acceptable documents if you already have something different.
If you have lived in the UK for more than 3 years, you'll be eligible to apply for our student account, see our student account page for more information.
If you're an Asylum Seeker and are looking to open an account with us, please visit your local branch so they can help you complete an application.
You can use your ARC (Application Registration Card) as proof of ID, so take this with you along with proof of address if you have this. Take a look at our list of acceptable documents to know what we can accept as proof of address.
Why do banks ask for proof of ID and address?
It's important that banks work hard on processes that help prevent money laundering. This is when criminals try to disguise money that has been made illegally, to use it for their own future purposes.
To do this, criminals often attempt to open a bank account using fake or stolen ID. We try to stop this by verifying all of our new customers as genuine, by asking for proof of identity and often current address.
If you are applying online, we try our best to complete this electronically, using our security partners Digidocs or Mitek, so the process is as easy as possible for you. This is why we ask you to have your ID at hand before you begin your application.
Proof of identity and address we can't accept
Store card statements
Ulster Bank statements
Duplicate statements
Mobile telephone bills
TV licences
A delivery bill for oil, coal or logs
Statements relating to VAT accounts
P60s or P45s
FAQs - What you need to open a bank account
Depending on whether you're under 18, a student or adult there will be a range of documents that can be accepted. You can find acceptable photo documents under the acceptable ID section of this page.
When opening an account at Ulster Bank we can accept a range of photo ID and address documents, you can find these under the acceptable document section on this page.
There are a range of proof of address documents Ulster Bank can accept at account opening, you'll find the full list for:
- Online account opening on the acceptable documents section on this page.
- Address documents acceptable either by post of branch can be found in the relevant section of this page.
There are a number of ways you can provide proof of your address, review our section on acceptable documents on this page to see what works best for you.
Whether you're new to the UK or arriving soon, you can find all the information you'll need under the New to the UK section on this page.
If you are unable to provide any of the acceptable documents. Please contact your local branch, who will review your individual circumstances.
Got a question about ID?
Get in touch
Call us on 0800 046 6486
Relay UK: 18001 0800 046 6486
Lines are open: Monday to Friday 8.30am-8pm
(except bank holidays)
Calls may be recorded. Calls from mobile phones may not be free.