Apply For An Overdraft - Overdrafts | Ulster Bank

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Applying for an overdraft

A little breathing space when you need it

Open to Republic of Ireland residents aged 18 or over with an eligible Ulster Bank current account. Lending is subject to credit review and approval.

How to apply Ready to get started?

What you'll need:

To be resident in the Republic of Ireland and aged 18 or over.

To be registered for Anytime Banking.

An eligible Ulster Bank current account. Overdrafts are not available on Dual, Standard, Service, Adapt or Facility Accounts.

A valid contact telephone number. You can provide your landline number when you apply. Please ensure your mobile number is up to date before you apply.  You can amend your number in the “Your Details” section of Anytime Banking

Useful tip

If you are approved for an overdraft, the credit limit you receive will be based on our credit assessment of you. This limit may be lower than the credit limit you have applied for but will not exceed the amount that you have applied for.  If you are not happy with the limit, or it does not meet your needs, then you have the right to cancel your credit agreement.

If you are not registered for Anytime Banking you can register now. Alternatively you can visit your local Branch or call us on 1890 587 587.

Before you apply Important information

An overdraft is repayable on demand and may not be exceeded without prior permission. If you exceed your limit, surcharge interest plus debit interest will be applied to any amount over the authorised limit. A set up fee of €25 applies and other charges may also apply. Please see A guide to personal accounts fees and interest for details. 

We may carry out credit scoring, where we assess whether credit is affordable for you based on the information you provide. 

Please read important information on the Central Credit Register.

Overdrafts Apply online

You can apply online between 06:00 and 19:50.

By ticking this box I confirm that:

I have saved and/or printed a copy of the above documents and accept that upon completing this application, I will become bound by the terms contained in those documents.

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