Graduate Account

Our bank account for life after graduation

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.

What do you get with your bank account?

Flexible ways to bank

Visa debit card, 24/7 Anytime Internet Banking plus our mobile banking app packed with handy features.

Commission-free travel money

Pick up commission-free foreign currency from your branch before you travel.

Interest-free overdraft up to €1500

Interest-free arranged overdraft of up to €1500 (subject to credit review and approval) for up to one year after you graduate.

Graduate Loan of up to €6500

Depending on your circumstances, you can request a Graduate Loan of up to €6500 (subject to credit review and approval).

Important Information

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.

View our terms and conditions (PDF)

GDPR Privacy Booklet (PDF)

Our guide to personal account fees and interest (PDF)

Fee Information Document