Flexible ways to bank
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.
To find out more about our interest-free overdraft, see our graduate overdrafts page.
Request a Graduate Loan of up to €6,500 (subject to approval. Lending criteria, terms and conditions apply).
You must begin to repay the loan within 12 months of graduating and complete payments within 5 years. You can delay the repayment for up to 2 years if you are going on to further studies.
We do not provide graduate loans for the purpose of leisure travel.
Our specialist switching team will do all the hard work for you, and have all done within ten working days. We'll:
Transfer your salary to your new account
Set up your payments (standing orders, Direct Debits and bill payments)
Transfer any credit balance from your old account
We may also be able to provide facilities to help you pay off any existing overdraft, subject to our normal lending criteria. If this isn’t the case you must make separate arrangements to repay your old bank or building society what you owe.
In the month of July of the year after your graduation, subject to our assessment of your financial position, your Graduate Account will be converted to a Current Account. We will write to you 60 days before doing this.
We may need security (by way of a personal guarantee) for certain overdraft facilities or loans and we may carry out credit scoring. Overdrafts are repayable on demand.
A Government Stamp Duty charge of 12 cent is applied to each domestic cash withdrawal made at an ATM. The total fee paid per annum per card is capped at €2.50 on ATM only cards and €5 on combined ATM and debit cards, and is applied annually in January.