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 34th of 34 providers reviewed.

Customer happiness 39%
Customer trust 24%
Complaints performance 59%
Transparency rating 47%
Fairer Finance score
Reviewed Autumn 2019
42%

Bank accounts

Premium bank accounts

Ulster Bank

Ufirst Gold Account

4 stars
Estimated amount of money customers get back (minus annual fee) i £96.54
Maximum cash daily withdrawal ATM (domestic) i £500
Part of FSCS or international equivalent i

Ulster Bank

Private Account

4 stars
Estimated amount of money customers get back (minus annual fee) i -£180.00
Maximum cash daily withdrawal ATM (domestic) i £500
Part of FSCS or international equivalent i

Ulster Bank

Ufirst Private Account

4 stars
Estimated amount of money customers get back (minus annual fee) i -£44.46
Maximum cash daily withdrawal ATM (domestic) i £500
Part of FSCS or international equivalent i

Credit cards

0% balance transfer credit cards

Ulster Bank

Balance Transfer Credit Card

4 stars
Duration of balance transfer offer period i 20 months
Balance transfer fee during promotional period i 0%
Representative APR i 19.90%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.52%

0% purchase credit cards

Ulster Bank

Balance Transfer Credit Card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 19.90%
Highest APR i 29.90%
Risk based? i
Purchase rate during promotional period i 0%
Representative purchase rate i 1.52%
Number of days before interest is charged on purchases i 56 days

Foreign use credit cards

Ulster Bank

Credit Card

3 stars
Representative APR i 9.90%
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 0.79%

Ulster Bank

Balance Transfer Credit Card

1 stars
Representative APR i 19.90%
Foreign purchase fee i 2.75%
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 1.52%

Ulster Bank

Student

1 stars
Representative APR i 18.90%
Foreign purchase fee i 2.75%
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 1.46%

Low rate credit cards

Ulster Bank

Credit Card

5 stars
Representative APR i 9.90%
Representative cash transaction interest rate i 1.31%
Representative purchase rate i 0.79%
Risk based? i
Representative balance transfer rate i 0.56%
Representative money transfer rate i 1.31%

Ulster Bank

Student

2 stars
Representative APR i 18.90%
Representative cash transaction interest rate i 1.88%
Representative purchase rate i 1.46%
Risk based? i
Representative balance transfer rate i 1.46%
Representative money transfer rate i 1.46%

Money transfer credit cards

Ulster Bank

Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Representative APR i 9.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction interest rate i 1.31%

Ulster Bank

Student

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Representative APR i 18.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction interest rate i 1.88%

Life insurance

Over 50s life insurance

Ulster Bank

Guaranteed Sixty-Plus Life Insurance (increasing insurance)

3 stars
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
Age when premiums stop i 90
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
Payout for accidental death outside waiting period i Full payout
Maximum age i 80
Discount offered with a funeral provider? i Not offered

Ulster Bank

Guaranteed Sixty-Plus Life Insurance (level insurance)

3 stars
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
Age when premiums stop i 90
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
Payout for accidental death outside waiting period i Full payout
Maximum age i 80
Discount offered with a funeral provider? i Not offered