Important Notice about Closure to New Business
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.
With Smartphone Payments
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
A €2 monthly maintenance fee and transaction fees apply to the Current Account.
We charge transaction fees for:
Debit card transactions
In branch and counter 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. You will pay the €2 monthly maintenance fee.
If you are aged 66 or over, you will not pay the monthly maintenance fee or 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 monthly fee and transaction fees is €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.
Thinking of switching to us?
Moving your account to us is easy, simply tell us that you want to switch when completing your account application. Our dedicated switching team will do all the hard work for you. We'll:
- Transfer your salary to your new account
- Set up your standing orders and request the set-up of your Direct Debits
- Transfer any credit balance from your old account
And we'll do it all within ten working days.