Youth banking made easier

Banking for young people

urfirst Savings Account

  • Open the account with as little as £1
  • You can open the account in trust for a child aged between 0-11 years
  • The child can access their money once they turn 12
  • If the child is aged 7-15 they can open the account themselves
Information Message

This savings account is available to UK residents under the age of 16.

Additional bank accounts

We also offer additional bank accounts to suit your needs

Information Message

Specific account eligibility criteria applies.

Adapt Account

Designed to give an easy introduction to everyday banking.

  • Contactless Debit Card as standard
  • Anytime Internet Banking and access to our mobile app
  • No overdraft  (so no charges for going overdrawn)

Available to UK residents aged over 11 and under 18 years old.

Information Message

Reward Silver bank account Reward Silver bank account

Student Account

Getting uni life off to a great start

  • Interest-free arranged overdraft of up to £1000 (subject to credit review and approval)
  • Commission-free travel money
  • Anytime Internet Banking and Mobile Banking

Available to UK residents aged 18+ and in full-time third-level education. 

Information Message

Reward Platinum bank account Reward Platinum bank account

Graduate Account

Our bank account for life after graduation

  • Interest-free arranged overdraft up to £1500 (subject to credit review and approval)
  • Graduate Loan of up to £5000 (subject to credit review and approval)
  • Commission-free travel money

Available to UK residents aged 18+ who graduated in the past 12 months and their course lasted at least two years. The graduate package is valid for a maximum of 12 months.

Information Message


MoneySense provides financial education for young people delivered through an online portal available to parents, secondary school teachers and students. The education we deliver is not linked to the services we offer, it’s simply sharing our knowledge and expertise.

There are two portals to access MoneySense:

See the MoneySense FOR SCHOOLS website, An interactive, curriculum linked programme designed to give 11-18 year olds the skills to manage their money.

Also, see our MoneySense FOR PARENTS website Designed to help parents equip their children with essential money management skills.

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.