Ulster Bank

Ulster Bank is one of the traditional 'Big Four' Irish banks, registered as Ulster Bank Limited in Northern Ireland and Ulster Bank Ireland Limited in the Republic of Ireland.

Ulster Bank was acquired by the Westminster Bank in 1917 and as a subsidiary of National Westminster Bank it became part of The Royal Bank of Scotland Group in 2000.

It currently offers current accounts, savings accounts, mortgages, personal loans, and credit cards. It also offers home insurance.

It is based in Dublin.

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Bank accounts

Ranked 22^nd of 30 providers reviewed.

Customer happiness score	52.61%
Customer trust score	60.45%
Complaints performance	55.95%
Transparency rating	78.35%
Fairer Finance score Reviewed Autumn 2023	62%

Savings Accounts

Ranked 31^st of 53 providers reviewed.

Customer happiness score	62.69%
Customer trust score	67.91%
Complaints performance	55.95%
Transparency rating	73.73%
Fairer Finance score Reviewed Autumn 2023	65%

Cash withdrawal fee in UK (own bank) i	£0.00
Annual fee i	£0.00
Part of FSCS i
Unpaid transaction fee i	£0.00
Bankers draft/cheque fee i	£15.00
Faster Payment limit i	£20,000.00
Maximum cash machine withdrawal per day i	£300.00
Can you use your card to pay for items overseas? i

Foreign cash withdrawal fee i	2.65%
Foreign cash withdrawal additional charge i	£0.00
Foreign purchases fee i	2.65%
Is there a limit on free cash withdrawals? i	No free cash withdrawals

Risk based overdraft? i
Arranged overdraft interest free amount i	£0.00
Arranged overdraft interest rate (representative EAR) i	39.49%

Add-ons, cashback and rewards i	AWP worldwide travel insurance (including winter sports) for holder & family, AIG Mobile phone insurance, 15% cashback on tickets for concerts, shows and sporting events
Part of FSCS or international equivalent i

Arranged overdraft limit i	£1000 (Students studying medicine, dentistry, law, accountancy, pharmacy, optometry, physiotherapy and veterinary science can apply for an overdraft limit of up to £3,000)
Tiered repayment of overdraft i
Switching / sign up incentive i

Arranged overdraft limit i	£1,500.00
Tiered repayment of overdraft i
Switching / sign up incentive i

Duration of 0% balance transfer offer period i	13 months
Balance transfer fee during promotional period i	0%
Representative APR i	24.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	0%
Representative balance transfer rate i	1.873%
Risk based? i

Duration of 0% balance transfer offer period i	23 months
Balance transfer fee during promotional period i	3.49%
Representative APR i	24.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	3.49%
Representative balance transfer rate i	1.873%
Risk based? i

Duration of 0% balance transfer offer period i	19 months
Balance transfer fee during promotional period i	2.99%
Representative APR i	24.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	2.99%
Representative balance transfer rate i	1.873%
Risk based? i

Duration of purchases offer period i	19 months
Representative APR i	24.9%
Highest APR i	29.9%
Purchase rate during promotional period i	0%
Representative purchase rate i	1.873%
Number of days before interest is charged on purchases i	56 days
Risk based? i

Home Security Cover i
Home Emergency Cover limit i	£500.00
Primary Heating System i
Cover Type i	Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i	£250.00
Unoccupied period i	60
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i	Unlimited

Alternative accommodation cover limit for buildings i	£25,000.00
Theft from outbuildings i	£2,500.00
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i	£50.00
Property owner liability i	£2,000,000.00
Cancellation fee within 14 days i	£0.00
Contents cover limit i	£50,000.00
Alternative accommodation cover limit for contents i	£15,000.00
Buildings cover limit i	£100,000.00
Cancellation fee after 14 days i	£26.88
Liability to domestic employees i	£5,000,000.00
Trace and access i	£5,000.00
Keys/locks if lost or stolen (Buildings) i	Sum insured
Liability as a tenant i	£5,000.00
Replace belongings new for old i
Flood excess i	£250.00
Escape of water excess (minimum) i	£450.00
Money in the home i	£500.00
Visitor's possessions i	£0.00
Office equipment i	£0.00

Escape of water excess for buildings i	£450.00
Matching sets (Buildings) i
Frozen pipes i
Underground pipes, cables and tanks i	Optional
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i	£50.00
Unoccupied period i	60 days
Property owner liability i	£2,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i	£26.88
Amendment fee (telephone) i	£0.00

Matching sets (contents) i
Theft from outbuildings i	£2,500.00
Cover for items away from home i	Optional
Property owner liability i	£2,000,000.00

Duration of purchases offer period i	3 months
Representative APR i	24.9%
Highest APR i	29.9%
Purchase rate during promotional period i	0%
Representative purchase rate i	1.873%
Number of days before interest is charged on purchases i	56 days
Risk based? i

Representative APR i	12.9%
Foreign purchase fee i	0%
Foreign withdrawal fee i	3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i	0 days
Representative purchase rate i	1.016%

Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i	24.9%
Representative cash transaction interest rate i	2.005%
Risk based? i

How long after policy is started can full benefits be claimed? i	24 months
Age when premiums stop i	90
Cover type (level or increasing) i	Increasing
Cover for accidental death in waiting period i	300%
Signing up incentive i	£100 Gift Card
Can you reduce monthly payments? i
Minimum age i	60
If a payment is missed, how long until the policy is cancelled? i	30 days
Maximum age i	80
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i	RPI
Cover for non-accidental death in waiting period (% of premiums paid) i	150%
Payout for accidental death outside waiting period i	100%
How much for terminal illness benefit? i	£0.00
How much will be paid for serious illness? i	£0.00
Discount offered with a funeral provider? i
Funeral benefit option provider i

Ulster Bank

Bank accounts

Basic bank accounts

Current accounts

Foreign use bank accounts

Overdrafts

Premium bank accounts

Student bank accounts

Credit cards

0% balance transfer credit cards

0% purchase credit cards

Foreign use credit cards

Low rate credit cards

Money transfer credit cards

Home emergency cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

Life insurance

Over 50s life insurance

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