Current Accounts

Standard Account

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.

Features of a Standard Account

The Standard Account could be ideal if you want a simple, straightforward account with no credit facilities or cheque book.

Visa Debit Card

Withdraw cash and make purchases in store and online.  Stamp Duty applies.

More on debit cards


Withdraw up to €500 cash per day

Access your funds when you need to. 


Pay your bills 

Make regular payments by Direct Debit or standing order. 


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)


Personal Current Accounts

Overdraft Set Up Fee



Foreign Currency Current Account

Administration Fee - Sterling accounts**



Foreign Currency Current Account

Administration Fee - All other currency accounts**



Personal Current Accounts

Monthly Maintenance Fee**



Personal Current Accounts

Unpaid Outwards Charge



Personal Current Accounts

Irregular Account Charge



*Overdraft interest continues to be applied on all overdrawn balances, including any excess amount.
** Transaction fees will continue to apply.

Please note:

Please click here for FAQ’s relating to these changes.

What else can you expect?

Emergency Cash service

If your card is lost or stolen our Emergency Cash service ensures you can access your money from our cash machines. You can withdraw up to €300 if you are an Anytime Banking customer, or up to €60 if you're not. You need to have €25 in your account to use the service.

Mobile Banking

Our app is simple, clever and easy to use - you can even use it to withdraw cash at our cash machines and make payments to friends using just their mobile number. Available to customers with Anytime Banking and a Republic of Ireland mobile number.

Anytime Banking

View your balance, check and print your statements and pay bills anywhere in the world with our secure online service. Available to over 11s with an eligible account.

Banking to suit you 

In addition to our online and mobile banking services, we have a 24/7 call centre and web chat services. Plus, some of our branches are open on Saturdays.