Ulster Bank Visa Debit card

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• Manage your account your way - 24 hour service
  Online, through your mobile, over the phone or in branch. We have a number of ways to bank with us, you decide what suits your needs best.
  More on Ways to Bank
• Commission-free travel money
  Whether taking a break or working abroad over the holidays, you can pick up commission-free foreign currency at your local Ulster Bank branch.
• Banking with no domestic transaction fees
  You won't pay any fees for domestic transactions, standing orders, Direct Debits or an arranged overdraft facility as long as you stay within the agreed limits. Charges for additional services apply. Please see our brochure "A Guide to Personal Accounts Fees and Interest" (PDF), available in branch.
• Interest-free overdraft (0% variable) up to €1,500 - €1,500 interest-free overdraft available (0% variable), (subject to approval) for up to one year after you graduate.
• Graduate loan - As an Ulster Bank graduate customer you can request up to €6,500 to help you take a break, furnish a new place, or buy a car.

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. For more details on Graduate loans, please contact your local branch.

Terms and Conditions apply.

In the month of July of the year after your graduation (as specified in our Youth 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.

Online & Telephone banking subject to terms and conditions, available from any branch.

Travel Money: 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, ATM machines, credit cards or foreign exchange transactions conducted via any other Ulster Bank products or 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.

Interest free Overdraft (0% variable): is repayable on demand. 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 in branch.

Graduate Loan: Graduate Loan applications are subject to our normal credit scoring criteria 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.