Current accounts

This product is no longer available for sale.

Ulster Bank Ireland DAC is no longer accepting any new application requests from personal customers.  There are some exceptions to this for existing customers, click here for further information.

Important Update to Fees and Interest 25/08/2022

To support customers in their transition to a new Financial Provider, we are removing some of our fees and interest. Where applicable, we will no longer charge the following fees and interest, effective from dates below:

Product Type

Fee Description

Fee/Interest Rate prior to removal

Effective date of Removal

Personal Current Accounts

Surcharge Interest*

9% (Additional 9% on top of the overdraft interest rate)


Personal Current Accounts

Overdraft Set Up Fee



Foreign Currency Current Account

Administration Fee - Sterling accounts**



Foreign Currency Current Account

Administration Fee - All other currency accounts**



Personal Current Accounts

Monthly Maintenance Fee**



Personal Current Accounts

Unpaid Outwards Charge



Personal Current Accounts

Irregular Account Charge



*Overdraft interest continues to be applied on all overdrawn balances, including any excess amount.
** Transaction fees will continue to apply.

Please note:

Please click here for FAQ’s relating to these changes.

Our bank accounts

Current Account

Our most popular account loaded with features

Student Account

Our no hassle account which could help you get your college life off to a good start

Adapt Account

Our account for young people which could help you start managing your money if you’re between 11 & 18 years old

Standard Account

A simple account for your day to day banking needs

Graduate Account

Our current account that could support your life after graduation

Private Account

Welcome to a more personalised banking experience

Other Accounts

Dual, Current Plus, Facility, ufirst and ufirstgold Accounts are no longer available you can find information on the accounts below:

Contact us

Help and support

Call us:

0818 210 260

Lines are open: 
Monday to Friday 8.30am – 8pm and Saturday 9am – 3pm