• Interest-free overdraft – £1,500 interest-free overdraft available for up to one year after you graduate*.
• Graduate loan – you can ask for up to £5,000 (depending on your circumstances) to help you take a break, furnish a new place, or buy a car**.
• Travel money – enjoy the advantage of commission-free foreign currency in any branch when you're thinking of taking a trip.***
• Free day-to-day banking****
• Monthly statements – keep up to date with your finances by getting your statements by post or online. Or, pick up a mini-statement from our cash machines.

Important information

Graduate account is available if you graduated in the past 12 months (and your course lasted at least two years). The graduate package is valid for 12 months.

Credit is available to over 18s only, depending on your circumstances.

* You must pay the overdraft if we demand. You may not go over your overdraft limit without getting our permission first. If you go over your overdraft limit, we will charge interest at the rate shown in our brochure "A guide to personal accounts fees and interest". Unpaid item fees and other charges may also apply. Please see our booklet "A guide to personal accounts fees and interest" for details.

** You must begin to repay the loan within 12 months of graduating and finish paying it off within five years. You can delay the repayment for up to two years if you are going on to further studies.

*** This applies to transactions in a branch only. It does not include withdrawing money from a cash machine. The offer does not apply to transactions on foreign currency accounts, bank drafts, credit cards or foreign exchange transactions carried out using any other Ulster Bank products or services. Any foreign exchange transaction you carry out will be governed by our terms and conditions.

**** Charges for other services still apply. Please see our brochure "A guide to personal account fees and interest" (PDF), available in branch or our website www.ulsterbank.co.uk