Important information

Ulster Bank Student Package is only available to full-time (minimum course length of one year, maximum six years), third level students aged 17 and over, resident in the Republic of Ireland. Only one Student Account per student. You must use the Student Account as your main current account and deposit regular amounts. Loans, overdrafts and other credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Overdrafts are repayable on demand. Security may be required. Lending criteria, terms and conditions apply.

Liabilities on overdrafts or loans may be set-off against any other account in your name. Formalities may include the use of Credit Reference Agencies who will note that an enquiry has been made about you. If you borrow and do not repay in full, within the agreed credit terms, Credit Reference Agencies may be advised and will note the outstanding debt. This may affect future applications for credit facilities through the Ulster Bank Group of companies (Ulster Bank) or other lenders.

Government stamp duty applies to cards. Please see our leaflet A Guide to Personal Accounts Fees and Interest available in branch for more details.

* 1 Terms and conditions of €100 Offer

A. This offer is only available from Ulster Bank Ireland Limited in the Republic of Ireland (hereafter “Ulster Bank”). The offer is not open to employees of Ulster Bank.
B. The offer is only available to full time third level students who are commencing, or have already commenced, their first full time Higher Education course of at least one year in duration and who open a Student Account with Ulster Bank between 28 June 2010 and 29 October 2010 (both dates included) and register for and log-in to Anytime Internet Banking. The offer is not available to existing Ulster Bank Student Account customers.
C. Each customer may avail of this offer in respect of one Student Account only.
D. In order to be eligible for this offer, customers must register for and log-in to Anytime Internet Banking by 29 October 2010 and must use their new Ulster Bank Student Account as their “main account” for a period of 18 months from the date of account opening. This means that there must be regular lodgements to the account, whether by way of parental contribution, salary, student loan or other funding, such as sponsorship or bursary. In addition, customers must make a minimum of three account transactions each month, which can include ATM withdrawals in the Republic of Ireland.
E. Ulster Bank will lodge €100 into new Student Accounts which meet the requirements set out above in two separate instalments. The first instalment of €50 will be paid not later than 31 January 2011 and the second instalment will be paid not later than 28 February 2011 provided the customer has continued to operate the account in accordance with these terms and conditions until that date.
F. Ulster Bank shall be entitled to refuse to pay, or to seek repayment of, either or both instalments of €50 (whether by debiting the account or otherwise) if it deems in its absolute discretion that the relevant account has not been opened or operated in accordance with these terms and conditions.
G. All applications to open an Ulster Bank Student Account are subject to acceptance by Ulster Bank.
H. This offer is subject to change and may be withdrawn by Ulster Bank at any time.
I. All queries in relation to payments or non-payment of the instalments must be received by Ulster Bank before or on 29 April 2011.

** 2 Upfront interest free overdraft

Available for Ulster Bank Student Customers upon application. The overdraft is an authorised overdraft limit (0% variable) available upfront to all Student Account Holders. The overdraft facility must be repaid within one year of course completion, provided the course does not exceed six years. 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 available from any Ulster Bank branch.

† 3 Commission-free Foreign Exchange

Applies to Branch transactions only – not ATM machines. Commission free travel money (foreign exchange) applies to Ulster Bank over-the-counter branch transactions only for the customer’s own use. Offer does not apply to transactions on foreign currency accounts, bank drafts, credit cards or foreign exchange transactions conducted via any other Ulster Bank products or services. Further information on foreign exchange is available from any Ulster Bank branch.

†† 4 Student loan

The student loan is only available where the duration of the course is two years or more. Student loan applications are subject to our normal credit scoring criteria. Security may be required. Not available for business or mortgage purposes – other restrictions may apply. The amount you can borrow will be based upon your ability to repay the loan and the purpose of the loan.

Student travel loan.

Travel loan of up to €2,000. Loan to be repaid within one year of drawdown. Only one travel loan per customer at any one time. Not available for business or mortgage purposes – other restrictions may apply. The amount you can borrow will be based upon your ability to repay the loan.

††† 5 Transaction Fee Free Banking

Charges for additional services still apply. Please see our leaflet "A Guide to Personal Accounts Fees and Interest" available in branch for more details.

†††† 6 Internet and Telephone Banking

Internet and Telephone Banking are subject to terms and conditions, available on request from any Ulster Bank branch.