• Interest-free overdraft (0% variable) up to €1,500 & Graduate loans available (subject to eligibility), while you have a Graduate account.
• Cards available - click for details
• Transaction fee free banking - Charges for additional services may apply.
• 24 hours access to your account.
• Direct Debits and Standing Orders available.

The Graduate Package is available to persons aged 18 or over or who have graduated from a full time course of higher education, lasting 2 years or more, within the last 12 months. In the month of July of the year after your graduation (as specified in our Graduate brochure, as amended from time to time) subject to our assessment of your financial position, the Graduate Account will be converted to a Current Account. We will write to you sixty days before we do this.

Interest free Overdraft (0% variable): is repayable on demand, security may be required. The overdraft must not be exceeded without prior agreement of Ulster Bank. If the account goes into an unauthorised overdraft or exceeds an authorised overdraft, surcharge interest will be applied on any balance above the overdraft limit. Full details can be found in our leaflet "A Guide to Personal Accounts Fees and Interest".

Transaction fee free banking: Please see our brochure "A Guide to Personal Accounts Fees and Interest", available in branch for details of charges for additional services.

Credit Facilities: Credit is only available to persons aged 18 or over, who are residents of the Republic of Ireland and is subject to repayment capacity and financial status. Security may be required. Lending criteria, terms and conditions apply. Graduate Loan applications are subject to our normal credit scoring criteria. Repayment to begin within 12 months of graduation and completed within 3 years. Repayment can be deferred if going on to further third level education for a maximum of 2 years. Not available for business or mortgage purposes - other lending restrictions apply. The amount you can borrow will be based upon your ability to repay and the purpose of the loan. You can apply for a Graduate loan for anything up to €6,500.