Young People - Personal Banking | Ulster Bank

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Banking for young people

Youth banking made easier

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MoneySense provides financial education for young people delivered through an online portal available to parents, secondary school teachers and students. The education we deliver is not linked to the services we offer, it’s simply sharing our knowledge and expertise.

There are two portals to access MoneySense:

MoneySense AT HOME

Designed to help parents equip their children with essential money management skills.


An interactive, curriculum linked programme designed to give 11-18 year olds the skills to manage their money.

At a glance urfirst and urmoney Savings Accounts

These savings accounts are available to Republic of Ireland residents under the age of 18.

  • Start saving with as little as €5
  • A relative or friend can open an account if the child is under 12, if the child is over 12 they can open an account themselves
Find out more
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At a glance Adapt Account

Available to Republic of Ireland residents aged over 11 and under 18 years old, designed to give an easy introduction to everyday banking.

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  • Visa debit card as standard
  • Anytime Internet Banking and access to our mobile app
  • No overdraft (so no charges for going overdrawn)
Find out more
At a glance Student Account

Available to Republic of Ireland residents aged 18 and over and in full-time third-level education. Your course needs to last at least two years and no more than five years.

  • Interest-free arranged overdraft of up to €1500 (or more for some degrees, subject to credit review and approval)
  • Commission-free travel money
  • Anytime Internet Banking and Mobile Banking
  • No transaction or maintenance fees
Find out more
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At a glance Graduate Account

Available to Republic of Ireland residents aged 18 or over who graduated in the past 12 months and their course lasted at least two years. The graduate package is valid for a maximum of 12 months.

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  • Interest-free arranged overdraft up to €1500 (subject to credit review and approval)
  • Graduate Loan of up to €6500 (subject to credit review and approval)
  • Commission-free travel money
Find out more
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