Banking benefits

• Up to £1,000 interest-free overdraft (see the note below). A monthly membership fee of £13 applies.
• Preferential overdraft rates (see the note below).
• Our tailored-rate mortgage and personal loan for ufirstgold customers.
• Commission-free travel money in any branch.
• Earn interest when your account is in credit.

Lifestyle benefits

• Mobile phone insurance.

  If you make a claim, you will be asked for proof of purchase and must be able to provide this.

  If you wish to claim, you must register your claim within 48 hours of discovering any incident.

  If you're outside the UK at the time of discovering the incident, you must register your claim within 48 hours of return to the UK.

• Automatic worldwide family travel insurance each year.

  If you have any existing medical condition you may not be covered.

• 25% cash back on concerts, shows and sporting events.

  Cash back applies to 4 tickets per event.

• 10% discount off first years premium on Ulster Bank Home and Contents Insurance.
• Lifestyle manager service.
• A guaranteed 10% discount on certain flights, holidays and hotels.
• 25% discount on dining at certain restaurants.
• Accidental Death Benefit- could provide a lump sum for you and your family in the event of your accidental death.

  If you are aged 70 and over, your cover will be reduced by 50%. If you have a joint account, the cover is split equally between you and the other account
  holder(s).

Important information

Credit is available to over 18s only. Lending criteria, terms and conditions apply. A monthly membership fee of £13 applies.

Note: You must repay the overdraft when we demand. You must not go over the overdraft facility without getting our permission first. If you go over your overdraft limit, we will charge interest at the rate shown in our booklet A Guide to Personal Account Fees and Interest A Maintenance Charge and other charges may also apply. Please ask in a branch for details.