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Ulster Bank current accounts
Cash back rewards, emergency cash and other unique perks make an Ulster Bank current account worth considering.
Ulster Bank is one provider that is making day-to-day banking much more enjoyable, with unique perks and a reward scheme for you to earn money back when you shop. There are Ulster Bank current accounts to suit people in any stage of life – read on to find out how you could benefit from one.
Since 2016 Monique has written across numerous topics including consumer goods, finance, travel, personal development, lifestyle and health. After many years of living abroad and travelling on a budget, she's become an expert on researching and finding the best deals. Monique enjoys based on true story & espionage dramas, planning travel adventures and watching world events unfold live on CNN.
Must read: Ulster Bank to shut down in the Republic of Ireland
Ulster Bank has announced it will close down its business in the Republic of Ireland. The closure will take place over the next few years. If you have a current account with Ulster Bank you may want to consider switching.
No new customers will be accepted from 1 November 2021. However, existing customers can still apply for mortgages or overdrafts.
Ulster Bank services will still be available in Northern Ireland.
A bit about Ulster Bank
Ulster Bank was first founded back in 1836 and is now a wholly owned subsidiary of The Royal Bank of Scotland Group.
Being able to leverage the capabilities of RBS and through investments in technology and its people means Ulster Bank can offer an impressive service to its customers and provides day-to-day banking for all ages, savings, credit card, mortgage, loans and insurance products.
Ulster Bank rewards. When you register your Visa debit card with the Ulster Bank rewards programme, you can enjoy cashback bonuses when you shop at participating Ireland retailers. Offers are delivered to your inbox and you get cashback into your account within five business days.
Get cash. If you need to give someone cash, you can get a secure cash code from the mobile app for that person to withdraw money from your account at an ATM.
Smartphone payments. Use your debit card for Google Pay and Apple Pay purchases.
Text alerts. Set up text alerts on your Ulster Bank current account so you can be informed of certain activity and get a balance update at a time specified by you.
Mobile banking. Make payments without a card reader or use the mobile app to withdraw cash from an ATM.
Emergency cash. Withdraw up to €300 from a cash machine if your card is lost or stolen, as long as you have at least €25 in your account.
Overdraft. Subject to credit review and approval you can add an overdraft facility to your Ulster Bank current account for times when you have unexpected expenses.
Facial recognition. If you have an iPhone X, you can use your face to log in to your mobile app with Face ID technology.
Store digital loyalty cards. Don’t get stuck at the till searching for the right loyalty card. Digitally store all your loyalty cards on Ulster Bank’s mobile app.
Virus protection. Protect up to 10 of your devices including your computer, phone and tablet with Malwarebytes.
What current accounts does Ulster Bank offer?
Available for people aged 18 and over, this current account comes with smartphone payments, cashback rewards thanks to a partnership with Visa, and a few other handy perks not currently offered by other banks. You can access your account with a Visa debit card, at a branch, through phone and internet banking, or on a mobile app.
The Ulster Bank Standard account comes with all the same features as the Current account, however, it’s not possible to add an overdraft facility. The same fees and charges apply.
The Ulster Bank Foundation account is suitable for someone that doesn’t already have a current account in Ireland. It still has mobile banking, Get Cash, Ulster Bank Rewards and a Visa debit card, but no overdraft or chequebook. Transaction fees apply, but there is no monthly maintenance fee.
Students aged 18 and over in a full-time third level course can enjoy mobile banking, smartphone payments, Get Cash, commission-free travel money and a Visa debit card for purchases. They can also get an interest-free overdraft of up to €1,500 subject to credit review and approval.
An exclusive current account that gives you your own private relationship manager and relationship support team, plus preferential financial rates and services. There’s no monthly account fee.
This is Ulster Bank’s premium current account, with exclusive travel, protection and leisure benefits. You also get access to preferential financial rates and services, as well as a Private Reserve Savings Account. The monthly account fee is £26.
Fees and charges
Ulster Bank charges fees for transactions and has a monthly maintenance fee of €2.
ATM withdrawals: €6, or €0.35 (at Ulster Bank, RBS or NatWest ATMs, or in Euros within SEPA)
Contactless payments: €0.01
Debit card: €0.20 (for purchases in Euros within SEPA, Apple Pay and Google Pay)
Automated payments: €0.20 (direct debits, standing orders, payments and transfers through internet and phone banking)
In branch/counter: €0.80 (cash and cheque withdrawals, cash and cheque lodgements, bank draft lodgements and withdrawals)
Other charges as well as the above might also apply.
How do I avoid paying fees?
It’s possible to have your transaction fees waived if you keep a minimum of €3,000 in your account at all times, but you’ll still need to pay the monthly maintenance fee.
Accountholders aged 66 and over will not be charged any maintenance or transaction fees.
Ulster Bank current accounts have a great range of perks and benefits, some of which aren’t currently offered by other banks and are well worth considering. But before you make a final decision be sure to use our table above to compare other current accounts available in Ireland.
And if you’re in the Republic of Ireland remember that Ulster Bank will close there over the next few years – you can still open an account if you want to, but it’s definitely a good idea to see what other current accounts are out there too.
How to sign up for an Ulster Bank current account
Opening an Ulster Bank current account for the first time should be hassle-free and you should be able to use your account in no time.
Whilst you can visit a branch to open an account, you can also do so from the comfort of your own home over the phone or online. Take a look at our step-by-step guide for applying online:
Visit the Ulster Bank Current Accounts section on its website
Click on “Apply Now”.
Select which current account you wish to open and whether you would like an individual account or a joint account.
Complete the online application form.
You should receive an email from Ulster Bank. You’ll will then need to provide proof of identification and proof of address. This could be a valid driver’s licence or passport and a mortgage statement or utility bill.
Your account is processed and open.
Compare a range of current bank accounts in Ireland
You’ll need to register for Anytime Internet Banking with Ulster Bank. To do this, you’ll need your account number and sort code to hand. You’ll be able to find these on your bank statements, cheques book or paying in book. Alternatively, you can visit a branch to obtain this information and ask for help to access online banking.
It depends on what account you have. If you have an Ulster Bank Current or Standard, Student account you can get an overdraft (subject to a credit review and approval), but you won’t be able to get this facility if you have the Foundation current account.
Visit your nearest Ulster Bank branch, or if you sign up for Anytime Banking you can contact the call the customer services team any time of day on 1850 424 365 (+353 1804 7475 from abroad) or via Cora, its 24/7 online digital assistant.
Regardless of which current account you have, you will be able to request your account closure by visiting a branch and speaking to a representative. The process of closing your account could take up to two days. You will need to pay any outstanding maintenance or transaction fees and also clear your overdraft balance.
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