Available to Republic of Ireland residents aged 18 or over. Lending criteria terms and conditions apply. Smartphone Payments available on Ulster Bank debit cards in the Republic of Ireland. Limits from retailers may apply.
At a glance
What do you get with your bank account?
Facial Recognition
This is available on the iPhone X only. The Face ID technology allows you to log in to our mobile app by simply using your face. It works by the camera on the phone capturing accurate face data. Ulster Bank were the first bank in Ireland to introduce this function. This safe and secure function will provide you with even more convenience while banking on the Ulster Bank app.
Text Alerts
Keep yourself updated anywhere, anytime with Activity, Weekly balance and On Demand text alerts.
Visa Debit Card
Withdraw cash and make purchases in store and online. Stamp Duty applies.
Transaction charges apply when withdrawing cash and making purchases online and in store if you do not meet the current account fees and charges waiver criteria. For more information please visit our current account fees and charges page.
Overdraft
Flexibility when you need it, subject to credit review and approval.
An overdraft is repayable on demand and may not be exceeded without prior permission. If you exceed your overdraft limit, surcharge interest in addition to debit interest will be applied to any amount over the authorised limit. Other charges may also apply.Please see A guide to personal accounts fees and interest for details.
A €2 monthly maintenance fee and transaction fees apply to the Current Account.
We charge transaction fees for:
- Debit card transactions
- Automated transactions
- ATM withdrawals
- In branch and counter transactions
- Contactless transactions
You can avoid paying transaction fees by maintaining a minimum cleared balance of €3,000 in your account at all times during each charging cycle. You will pay the €2 monthly maintenance fee.
If you are aged 66 or over, you will not pay the monthly maintenance fee or transaction fees.
Fees and charges will be applied to your account each month. You can find more information on our charging cycles in our booklet A Guide to Personal Account Fees and Interest.
If the amount of your monthly fee and transaction fees is €4 or more each month, we’ll send you a pre-notification of charges statement to let you know how much you’ll be charged, at least 10 business days before we apply any fees.
Find out more about our current account fees and charges.
Moving your account to us is easy, simply tell us that you want to switch when completing your account application. Our dedicated switching team will do all the hard work for you. We'll:
- Transfer your salary to your new account
- Set up your standing orders and request the set-up of your Direct Debits
- Transfer any credit balance from your old account
And we'll do it all within ten working days.