Payments made easy - with your Ulster Bank Visa Debit card

• Use your debit card to pay in shops or on the internet so there is no need to queue at an ATM (Automated Teller Machine)
• Get cashback from a wide range of retailers
• You can use this card to withdraw cash, pay for things over the counter, online or on the phone

In fact, you can use your debit card anywhere you see the Visa logo, worldwide!

Click here for more information on Visa Debit

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

Anytime Internet and Telephone Banking

Now here’s an idea – free internet and telephone banking on your account with Anytime Banking. You’ll be able to keep a careful eye on what your money is doing wherever you are, 24 /7. Use it to check your balance, pay bills or transfer money. Terms and conditions apply. Click here for more information on Anytime

Mobile Phone Banking (including iphone).

There’s an easy way to stay in touch with your finances even when you’re out and about – with our free Mobile Phone Banking service.

• Weekly balance update - we'll text your balance at a time and day that you choose.
• Limit alert - we'll send you a text when your account goes above or below a pre-set limit. Handy to know when you can save or splurge!
• Get your balance when you need it - View an up-to-the-minute account balance or mini-statement any time you need to.

Data charges may apply on some mobile networks for mobile phone banking. Terms and conditions apply.
More on alerts

Got an iPhone? – You can use all the features of Mobile Phone Banking by downloading our Ulster Bank app. Download free from the App store or from here.

Terms and conditions apply. Standard charges for downloading data may apply. Contact your operator for details. iPhone is a trademark of Apple Inc.

Banking with no transaction fees

You won’t pay any fees for transactions, standing orders, Direct Debits. Arranged overdraft facilities are also free as long as you stay within the agreed limits.

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

Commission-free travel money

Whether taking a break or going to work abroad over the holidays, you can pick up commission-free foreign currency at your local Ulster Bank branch before you travel.

This applies to transactions in a branch only and is for the customer’s own use. It does not include withdrawing money from a cash machine. 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. For further information on foreign exchange transactions please contact any Ulster Bank branch.

Student Overdraft

To help you through your student days we offer an interest free overdraft (0% variable) of up to €1,500.

You must be an existing customer with a current account with Ulster Bank for 12 months to apply for a student overdraft of up to €750 or you must be in receipt of a grant to receive up to €1,500 dependent on your grant level.

Students studying medicine, dentistry, law, accountancy, pharmacy, optometry, physiotherapy and veterinary science can apply for a student overdraft of up to €2,500.

To maintain your student overdraft you should actively use your Ulster Bank Student Account as your main account. This means you need to withdraw money at least three times a month and make one or more lodgements each quarter. You will also need to ensure that your account remains in credit for 30 days in any one year period and repay the overdraft within one year of finishing your course.

Whether you have an overdraft will depend on your circumstances and our conditions. We may also carry out credit scoring, this is where we assess whether credit is affordable for you based on the information you provide.

The overdraft facility must be repaid within one year of course completion, provided the course does not exceed six years. Overdrafts are repayable on demand. The overdraft limit 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.

Student loan

If the need to borrow arises, come and talk to us about our rates for students. You can apply for a student loan for anything up to €1,300 per year from year 1 (€2,750 if parental guarantee is in place, maximum drawdown over duration of course €4,000).

Representative example: €4,000 over 5 years at 6.85% variable, 7.0% representative APR, with 60 monthly repayments of €78.84. Total amount repayable €4,730.59.

Lending criteria, terms and conditions apply. 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. Loans are 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 credit card

A credit limit of €450 if we accept your application and no annual fee makes this credit card a handy little extra in your wallet. You’ll enjoy a rate of 17.9% (variable) on purchases and balance transfers and 21.1% (variable) on cash advances.

Whether you have a credit card will depend on your circumstances and our conditions. We may also carry out credit scoring, this is where we assess whether credit is affordable for you based on the information you provide.