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 27^th 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 39^th 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%

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

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	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

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

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

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

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

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

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

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

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

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

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 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	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%

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%

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

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

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?

Ulster Bank

Bank accounts

Basic bank accounts

Current accounts

Foreign use bank accounts

Overdrafts

Premium bank accounts

Student bank 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

Life insurance

Over 50s life insurance

Personal loans

Savings Accounts

Easy Access Accounts

Savings Accounts (ISAs)

Easy Access ISAs

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