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 28th of 31 providers reviewed.

Customer happiness 52.27%
Customer trust 55.68%
Complaints performance 55.74%
Transparency rating 77.05%
Fairer Finance score
Reviewed Spring 2023
60%

Savings Accounts

Ranked 33rd of 53 providers reviewed.

Customer happiness 55.83%
Customer trust 64.17%
Complaints performance 55.74%
Transparency rating 75.31%
Fairer Finance score
Reviewed Spring 2023
63%

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

3 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

Children's Accounts

Children's Savings Accounts

Ulster Bank

urfirst

Account Type i Easy Access
Interest Rate (AER) i 2.7%
Minimum Opening Balance i £5.00
Maximum Balance i £0.00
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

Credit cards

0% balance transfer credit cards

Ulster Bank

Balance Transfer Credit Card

4 stars
Duration of 0% balance transfer offer period i 14 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

Ulster Bank

Longer Balance Transfer Credit Card

3 stars
Duration of 0% balance transfer offer period i 24 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

Ulster Bank

Purchase and Balance Transfer Credit Card

3 stars
Duration of 0% balance transfer offer period i 17 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

0% purchase credit cards

Ulster Bank

Purchase and Balance Transfer Credit Card

4 stars
Duration of purchases offer period i 17 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

Ulster Bank

Longer Balance Transfer Credit Card

3 stars
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

Ulster Bank

Balance Transfer Credit Card

3 stars
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 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 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%

Ulster Bank

Balance Transfer Credit Card

1 stars
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%

Ulster Bank

Longer Balance Transfer Credit Card

1 stars
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%

Low rate credit cards

Ulster Bank

Credit Card

1 stars
Representative APR i 12.9%
Highest APR i 18.9%
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 24.9%
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 24.9%
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 24.9%
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
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
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 Not Specified
Claims limit i Unlimited

Home insurance (building and contents)

Ulster Bank

Home Insurance

2 stars
Alternative accommodation cover limit for buildings i £25,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £450.00
Alternative accommodation cover limit for contents i £15,000.00
Keys/locks if lost or stolen (Buildings) i Sum insured
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Escape of water excess (Minimum) i £450.00
Contents compulsory excess i £100.00
Additional flood excess i £0.00
Liability as a tenant i £5,000.00
Liability to domestic employees i £5,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit (Maximum) i £100,000.00
Contents cover limit (Maximum) i £50,000.00
Cancellation fee after 14 days i £0.00
Cancellation fee before 14 days £0.00
Visitor's possessions £0.00
Office equipment

Buildings insurance

Ulster Bank

Home Insurance

1 stars
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £450.00
Buildings compulsory excess i £100.00
Escape of water excess i £450.00
Unoccupied period i 60
24hr helpline i
Cancellation fee after 14 days i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £2,000,000.00

Contents insurance

Ulster Bank

Home Insurance

3 stars
Matching sets (contents) i
Theft from outbuildings cover limit i £2,500.00
Windspeed (mph) i Not Defined
Property owner liability i £2,000,000.00

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 £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 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 £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
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) 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 amount 96 months

Savings Accounts

Easy Access Accounts

Ulster Bank

Loyalty Saver

Interest Rate (AER) i 4.91%
Minimum Opening Balance i £0.00
Maximum Balance i £0.00
Part of FSCS i
Withdrawal Penalty i
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
Additional Information i

Ulster Bank

Private Reserve Savings Account

Interest Rate (AER) i 2.25%
Minimum Opening Balance i £0.00
Maximum Balance i £0.00
Part of FSCS i
Withdrawal Penalty i
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
Additional Information i

Savings Accounts (ISAs)

Easy Access ISAs

Ulster Bank

Cash ISA

Interest Rate (AER) i 1.75%
Minimum Opening Balance i £0.00
Part of FSCS i
Withdrawal Penalty i
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?