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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) |
18-Aug-22 |
Personal Current Accounts |
Overdraft Set Up Fee |
€25 |
19-Aug-22 |
Foreign Currency Current Account |
Administration Fee - Sterling accounts** |
£75 |
19-Aug-22 |
Foreign Currency Current Account |
Administration Fee - All other currency accounts** |
€150 |
19-Aug-22 |
Personal Current Accounts |
Monthly Maintenance Fee** |
€2 |
20-Aug-22 |
Personal Current Accounts |
Unpaid Outwards Charge |
€12.70 |
23-Aug-22 |
Personal Current Accounts |
Irregular Account Charge |
€4.44 |
23-Aug-22 |
*Overdraft interest continues to be applied on all overdrawn balances, including any excess amount.
** Transaction fees will continue to apply.
Please note:
- All fees and surcharge interest listed in the above table are being removed permanently to support customers in their transition to a new Financial Provider. Fees and charges relating to the above products are listed in our Guide to Personal Accounts Fees and Interest brochure and our Schedule of Services Payment & International Banking Charges brochure.
- All other fees and charges not listed in the above table for removal will continue to apply, where applicable.
Please click here for FAQ’s relating to these changes.
What do you get with your bank account?
An overdraft is repayable on demand and may not be exceeded without prior permission. If you exceed your overdraft limit, surcharge interest in addition to debit interest will be applied to any amount over the authorised limit. Other charges may also apply.Please see A guide to personal accounts fees and interest for details.
Current account fees and charges
Transaction fees apply to the Current Account.
We charge transaction fees for:
Debit card transactions
Automated transactions
ATM withdrawals
In branch and counter transactions
Contactless transactions
You can avoid paying transaction fees by maintaining a minimum cleared balance of €3,000 in your account at all times during each charging cycle.
If you are aged 66 or over you will not pay transaction fees.
Fees and charges will be applied to your account each month. You can find more information on our charging cycles in our booklet A Guide to Personal Account Fees and Interest.
If the amount of your transaction fees are €4 or more each month, we’ll send you a pre-notification of charges statement to let you know how much you’ll be charged, at least 10 business days before we apply any fees.”
Find out more about our current account fees and charges.