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.

Ulster Bank
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Bank accounts

Ranked 30th of 30 providers reviewed.

Customer happiness 44%
Customer trust 31%
Complaints performance 67%
Transparency rating 44%
Fairer Finance score
Reviewed Spring 2019
47%

Credit cards

0% balance transfers

Ulster Bank

Balance Transfer Credit Card

4 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 23 months
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.52%

0% purchases

Ulster Bank

Balance Transfer Credit Card

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

Foreign use

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

2 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

2 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

Ulster Bank

Credit Card

4 stars
Representative APR i 9.90%
Representative cash transaction 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

4 stars
Representative APR i 18.90%
Representative cash transaction 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 transfers

Ulster Bank

Credit Card

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 9.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.31%

Ulster Bank

Student

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 18.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction 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
Waiting period i 24 months
Premium ending age i 90
Can you reduce monthly payments? i
Missed payments allowance i 30 days
Protection for customers past the crossover point (refund) i
Payout for accidental death outside waiting period i Full payout
Maximum age i 80
Funeral benefit option Not offered

Ulster Bank

Guaranteed Sixty-Plus Life Insurance (level insurance)

3 stars
Cover for accidental death in waiting period i 3x full payout
Waiting period i 24 months
Premium ending age i 90
Can you reduce monthly payments? i
Missed payments allowance i 30 days
Protection for customers past the crossover point (refund) i
Payout for accidental death outside waiting period i Full payout
Maximum age i 80
Funeral benefit option Not offered