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.

Ulster Bank
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Bank accounts

Ranked 27th of 28 providers reviewed.

Customer happiness 45.58%
Customer trust 49.56%
Complaints performance 61.48%
Transparency rating 78.28%
Fairer Finance score
Reviewed Autumn 2022
59%

Savings Accounts

Ranked 39th of 50 providers reviewed.

Customer happiness 42.86%
Customer trust 56.12%
Complaints performance 61.48%
Transparency rating 78.73%
Fairer Finance score
Reviewed Autumn 2022
60%

Bank accounts

Basic bank accounts

Ulster Bank

Foundation Account

5 stars
Cash withdrawal fee in UK (own bank) i £0.00
Annual fee i £0.00
Part of FSCS i
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

Current accounts

Ulster Bank

Select Account

4 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Foreign use bank accounts

Ulster Bank

Select Account

1 stars
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

Ulster Bank

Ufirst Gold Account

1 stars
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

Ulster Bank

Student Account

1 stars
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

Ulster Bank

Graduate Account

1 stars
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

Ulster Bank

Foundation Account

1 stars
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

Overdrafts

Ulster Bank

Select Account

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

Ulster Bank

Ufirst Gold Account

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

Premium bank accounts

Ulster Bank

Ufirst Gold Account

2 stars
Add-ons, cashback and rewards i UK Insurance 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

Student bank accounts

Ulster Bank

Student Account

4 stars
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

Ulster Bank

Graduate Account

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

Credit cards

0% balance transfer credit cards

Ulster Bank

Balance Transfer Credit Card

4 stars
Duration of 0% balance transfer offer period i 19 months
Balance transfer fee during promotional period i 0%
Representative APR i 23.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 0%
Representative balance transfer rate i 1.805%
Risk based? i

Ulster Bank

Longer Balance Transfer Credit Card

3 stars
Duration of 0% balance transfer offer period i 30 months
Balance transfer fee during promotional period i 2.9%
Representative APR i 23.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.9%
Representative balance transfer rate i 1.805%
Risk based? i

Ulster Bank

Purchase and Balance Transfer Credit Card

3 stars
Duration of 0% balance transfer offer period i 23 months
Balance transfer fee during promotional period i 2.9%
Representative APR i 23.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.9%
Representative balance transfer rate i 1.805%
Risk based? i

0% purchase credit cards

Ulster Bank

Purchase and Balance Transfer Credit Card

4 stars
Duration of purchases offer period i 23 months
Representative APR i 23.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Ulster Bank

Longer Balance Transfer Credit Card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 23.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Ulster Bank

Balance Transfer Credit Card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 23.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Foreign use credit cards

Ulster Bank

Credit Card

3 stars
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%

Ulster Bank

Purchase and Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.733%

Ulster Bank

Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 21.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.663%

Ulster Bank

Longer Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.733%

Low rate credit cards

Ulster Bank

Credit Card

1 stars
Representative APR i 12.9%
Highest APR i 19.9%
Representative purchase rate i 1.016%
Risk based? i
Representative balance transfer rate i 1.016%
Representative money transfer rate i 2.005%

Money transfer credit cards

Ulster Bank

Longer Balance Transfer Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 23.9%
Risk based? i
Representative cash transaction interest rate i 2.005%

Ulster Bank

Purchase and Balance Transfer Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 23.9%
Risk based? i
Representative cash transaction interest rate i 2.005%

Ulster Bank

Balance Transfer Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 23.9%
Risk based? i
Representative cash transaction interest rate i 2.005%

Ulster Bank

Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 12.9%
Risk based? i
Representative cash transaction interest rate i 2.005%

Home Emergency Cover

Ulster Bank

Home Emergency

3 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home emergency policy
Cover Type i Add-On
Home Emergency Cover limit i £500.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £250.00
Domestic Power supply covered? i
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i U K Insurance Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i Not Specified

Life insurance

Over 50s life insurance

Ulster Bank

Guaranteed Sixty-Plus Life Insurance (increasing insurance)

3 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i 3x full payout
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 Full payout
How much for terminal illness benefit? i
How much will be paid for serious illness? i
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 Not offered
Funeral benefit option provider i Not offered

Ulster Bank

Guaranteed Sixty-Plus Life Insurance (level insurance)

3 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i 3x full payout
How long after policy is started can full benefits be claimed? i 24 months
Cover type (level or increasing) i Level
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 Full payout
How much for terminal illness benefit? i
How much will be paid for serious illness? i
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
Discount offered with a funeral provider? i Not offered
Funeral benefit option provider i Not offered

Personal loans

Ulster Bank

Existing Customer Personal Loan

Representative APR (on £5,000 loan, 36 month term) 7.9%
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 amount 96 months

Savings Accounts

Easy Access Accounts

Ulster Bank

Loyalty Saver

Interest Rate (AER) i 1.5%
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £0.00
Minimum Age to Open Account i 16
Sharia Account 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
Additional Opening Criteria i
Penalty free withdrawals? i

Ulster Bank

Private Reserve Savings Account

Interest Rate (AER) i 1.51%
Maximum Balance i Unlimited
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £0.00
Minimum Age to Open Account i 18
Sharia Account 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
Additional Opening Criteria i Must have a private current account or ufirst private account
Penalty free withdrawals? i

Savings Accounts (ISAs)

Easy Access ISAs

Ulster Bank

Cash ISA

Interest Rate (AER) i 0.65%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £0.00
Minimum Age to Open Account i 16
Sharia Account 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
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?