With effect from close of business 29 October 2021, Ulster Bank Ireland DAC will not accept any new application requests from personal customers. There are some exceptions to this for existing customers, click here for further information.
Fees and charges apply to the following accounts; Current, Standard, Dual, Current Plus and Facility Accounts.
We charge a fee for maintaing the account (monthly maintenance fee) of €2.
We charge transaction fees for the following transaction types:
o Contactless transactions
o Automated transactions
o Debit card transactions
o ATM withdrawals
o In branch and counter transactions
Fee per transaction
| In branch/ Counter (Including An Post****
and Cash & Cheque
Charges for additional services may still apply. Please see our booklet A Guide to Personal Accounts Fees and Interest.
* The Single Euro Payments Area (SEPA) includes any countries within the European Economic Area (EEA) & Switzerland, San Marino & Monaco
** Euro Debit Card, In app Apple Pay and In App Google Pay transactions completed online, over the phone or via mail order, irrespective of whether the retailer is based inside SEPA or outside SEPA, will be charged this fee
*** Including Emergency Cash & Get Cash transactions
**** Cash and cheque lodgements must be lodged separately at An Post outlets and separate transaction fees will apply. Cash withdrawals cannot be undertaken at An Post outlets.
Check the table below for further information on the waivers:
|Description||What you'll be charged|
|Age-based waiver||Accounts maintained by customers aged 66 years of age and over||
Free from transaction fees
Free from fee for maintaining the account (monthly maintenance fee)
|Balance waiver||Cleared balance of €3,000 is maintained for each charging cycle||
Free from transaction fees
Fee for maintaining the account (monthly maintenance fee) will apply
We want you to get the most out of your Ulster Bank Current Account. Here's some ways to help you manage transaction fees:
Not registered for Anytime and Mobile Banking?
As a registered Anytime Internet Banking customer, you can save money if you transact online or use our mobile app. Compared to ATM or in branch transactions (€0.35 or €0.80), online transactions will cost you €0.20 per transaction.
Use Contactless payments, Apple Pay or Google Pay
Contactless, Apple Pay or Google Pay (for purchases up to value of €50) transactions cost the lowest - €0.01 per transaction.
Use your Visa debit card
Debit card purchases in store or online cost €0.20.
Get cash back
Withdrawing cash in the branch costs €0.80 or €0.35 at an ATM. Reduce these fees by getting cash back using your debit card which costs €0.20 per transaction.
Use fewer cheques
Cheques are a costly way to make a payment. Make payment by electronic transfer, Direct Debit or use your debit card to reduce transaction fees.
Transaction fees are waived if a €3,000 balance is maintained in your account at all times during each charging cycle. The monthly maintenance fee of €2 will still apply.
Transaction fees and the monthly maintenance fee are waived if you are aged 66 or over.
Check your account type
Transaction and maintenance fees do not apply on Student, Adapt, ufirst*, ufirstgold*, Foundation and Private Accounts.
Statement of Fees
We have recently introduced a new annual Statement of Fees (SoF) for personal current account customers. This statement details the fees and interest that has been paid or earned in the period shown on the SoF. For more detail on SoF, please read through our FAQs.
*No longer on sale
Want to see how the changes to our current account fees work in practice? Here are the experiences of seven different customers and what they can do to reduce their fees.