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
Bankers draft/cheque fee i	£15.00
Unpaid transaction fee i	£0.00
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

Account Type i	Easy Access
Interest Rate (AER) i	2.7%
Minimum Opening Balance i	£5.00
Maximum Balance i	Unlimited
Notice Period i
Fixed Term Length i
Minimum Age to Open Account i	0
Maximum Age i	15
Withdrawal Penalty i
Part of FSCS i
Sharia Account i
Additional Opening Criteria i
Additional Information i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? 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

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

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

Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i	£450.00
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
Helpline i
Cancellation fee after 14 days (buildings) i	£26.88
Amendment fee (telephone) i	£0.00
Property owner liability i	£2,000,000.00

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	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

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

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

Foreign purchase fee i	2.75%
Foreign withdrawal fee i	3%
Representative APR i	24.9%
Number of days before interest is charged on non-sterling cash transactions i	0 days
Risk based? i
Representative purchase rate i	1.873%

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%
Risk based? i
Representative cash transaction interest rate i	2.005%

Age when premiums stop i	90
Cover for accidental death in waiting period i	300%
How long after policy is started can full benefits be claimed? i	24 months
Cover type (level or increasing) i	Increasing
Signing up incentive i	£100 Gift Card
Minimum age i	60
Maximum age i	80
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
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i	30 days
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
Discount offered with a funeral provider? i
Funeral benefit option provider i

Representative APR (on £5,000 loan, 36 month term)	9.9%
Unpaid Repayment Fee i	£0.00
Early settlement fee (Days interest)	58 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount	£1,000.00
Maximum borrowing amount	£50,000.00
Minimum borrowing length	12 months
Maximum borrowing length	96 months

Interest Rate (AER) i	5.2%
Balance Tiers i	2.25% from £1, 5.20% from £5,000
Minimum Opening Balance i	£0.00
Withdrawal Penalty i
Part of FSCS i
Maximum Balance i	Unlimited
Minimum Age to Open Account i	16
Penalty free withdrawals? i
Sharia Account i
Additional Information i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i

Ulster Bank

Bank accounts

Basic bank accounts

Current accounts

Foreign use bank accounts

Overdrafts

Premium bank accounts

Student bank accounts

Children's Accounts

Children's Savings 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

Personal loans

Savings Accounts

Easy Access Accounts

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