Current Account - Current Accounts | Ulster Bank

Couple walking in a park

Just €4 a month

for all your everyday current account banking, as simple as...child's play

Apply online

Available to Republic of Ireland residents aged 18 or over. Lending criteria terms and conditions apply.

Why choose our Current Account?

Straightforward monthly fee
We charge you just €4 a month for all your everyday current account banking.

Visa debit card
Withdraw cash and make purchases in store and online. Stamp Duty applies. A Government Stamp Duty charge of 12 cent is applied to each domestic cash withdrawal made at an ATM. The total fee paid per annum per card is capped at €2.50 on ATM only cards and €5 on combined ATM and debit cards, and is applied annually in January.
More on debit cards

Flexibility when you need it, subject to credit review and approval.
More on overdrafts

Pay your bills
Make regular payments by Direct Debit or standing order.

Take a look at A guide to personal accounts fees and interest for information on fees and charges.

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.  

Straightforward monthly fee

A €4 monthly maintenance fee applies to the Current Account  - but we don’t charge for day to day transactions - so you know exactly what you’re paying each month.

We don't charge for:

  • Using your debit card to pay for goods or getting cashback
  • Using online, telephone banking or banking app services
  • Setting up or cancelling Direct Debits or standing orders
  • Transferring money between your accounts or to others
  • Withdrawing/lodging cash over the counter or at cash machines

Plus, if you maintain a minimum cleared balance of €3,000 in your account during the charging cycle or are aged 66 or over, you can enjoy fee-free banking. Find out more

Additional features What else can you expect?
Emergency Cash service

If your card is lost or stolen our Emergency Cash service ensures you can access your money from our cash machines. You can withdraw up to €300 if you are an Anytime Banking customer, or up to €60 if you're not. You need to have €25 in your account to use the service.

More on Emergency Cash

Mobile Banking

Our app is simple, clever and easy to use - you can even use it to withdraw cash at our cash machines and make payments to friends using just their mobile number. Available to customers with Anytime Banking and a Republic of Ireland mobile number.

More on Mobile Banking

Online banking

View your balance, check and print your statements and pay bills anywhere in the world with our secure online service. Available to over 11s with an eligible account.

More on online banking

Banking to suit you

In addition to our online and mobile banking services, we have a 24/7 call centre and web chat services. Plus, some of our branches are open on Saturdays.

More on ways to bank

Thinking of switching to us?

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.


Find out more about moving to us
Current Account Ready to apply?
Apply online
Set Tab for lightbox