Ulster Bank Ireland DAC presence in the Republic of Ireland

Ulster Bank has entered into a Binding Agreement with AIB to sell a portfolio of performing tracker and linked mortgages. This includes tracker mortgage customers with a portion of their mortgage on a fixed or variable rate. Offset Mortgage products are not part of the legally Binding Agreement announced with AIB.

Following this announcement, we are writing to all customers whose mortgage is likely to be included in this Binding Agreement. The important thing is that no action is required by existing mortgage customers as a result of this announcement. The transaction with AIB may be subject to regulatory approvals and as such completion may not occur when expected or at all.

We will write to you again 2 months in advance of any transfer of your mortgage to provide you with formal confirmation of the inclusion of your mortgage. Please be assured that this announcement does not affect your legal and regulatory protections. The tracker mortgage rate you hold at the time of transfer, will transfer with you to your new provider. We want to reassure you that you will continue to retain your tracker mortgage rate in line with your mortgage documentation.

The tracker mortgage rate you hold at the time of transfer, will transfer with you to your new provider. We want to reassure you that you will continue to retain your tracker mortgage rate in line with your mortgage documentation. Please be assured that this announcement does not affect your legal and regulatory protections. 

The transaction with AIB may be subject to regulatory approvals and as such completion may not occur when expected or at all.

We will write to you again 2 months in advance of any transfer of your mortgage to provide you with formal confirmation of the inclusion of your mortgage. Please be assured that this announcement does not affect your legal and regulatory protections. The tracker mortgage rate you hold at the time of transfer, will transfer with you to your new provider. We want to reassure you that you will continue to retain your tracker mortgage rate in line with your mortgage documentation.

The transaction with AIB may be subject to regulatory approvals, and to formal completion of the transaction between Ulster Bank and AIB.  We are writing to all mortgage customers whose mortgage is likely to be included in this Binding Agreement. We will write to you again 2 months in advance of any transfer of your mortgage to provide you with formal confirmation of the inclusion of your mortgage. 

The transaction with AIB may be subject to regulatory approvals and formal completion of the transaction between Ulster Bank and AIB. Any customer in the process of drawing down additional lending for an existing tracker mortgage is likely to be included within this Binding Agreement. We will write to you again 2 months in advance of any transfer of your mortgage to provide you with formal confirmation of the inclusion of your mortgage. 

Following this announcement, we are writing to all mortgage customers whose mortgage is likely to be included in this Binding Agreement. If you hold multiple mortgages with us, you will receive a separate communication for each mortgage likely to be included within this Binding Agreement. Offset Mortgage products are not part of the legally Binding Agreement announced with AIB.

You may have previously received communication relating to any non-tracker mortgages you have with Ulster Bank. These mortgages are not impacted by the Binding agreement announced with AIB.

Offset Mortgage products are not part of the legally Binding Agreement announced with AIB. We can confirm that there is no action required for our existing offset customers at this time. Please be assured that the outcome of this decision does not affect your legal and regulatory protections.  If there is a proposed change regarding the ownership of your Mortgage, we will notify you in advance of that and explain what that means for you. 

If any portion of your mortgage is on a tracker rate, this will mean your mortgage is likely to be included within the Binding Agreement we have announced with AIB.  Offset Mortgage products are not part of the legally Binding Agreement announced with AIB.

There is no action required by existing mortgage customers as a result of this announcement and it does not affect your legal and regulatory protections. The tracker mortgage rate you hold at the time of transfer, will transfer with you to your new provider. We want to reassure you that you will continue to retain your tracker mortgage rate in line with your mortgage documentation. Please be assured that any change regarding the ownership of your products / services with the Bank will be communicated to you in advance. 

While we can reassure you that the 10% overpayment feature remains available and unchanged, we are unable to confirm until final arrangements are made with the new provider of your loan, whether this feature will continue unchanged when your mortgage is transferred. If you wish to make an overpayment, please log on to Manage My Mortgage.

If you are on an Ulster Bank variable rate at the time of the transfer, this rate will transfer with you to your new provider. Please be assured that this announcement does not affect your legal and regulatory protections. The tracker mortgage rate you hold at the time of transfer, will transfer with you to your new provider. We want to reassure you that you will continue to retain your tracker mortgage rate in line with your mortgage documentation.

The nature of variable rates is that they are subject to change. Please note we will write to you in advance notifying you of any proposed change to your variable rate. 

You will receive advance notice from your new mortgage provider prior to your rate expiring, advising of the rate options available to you.

Where there is a future proposed change regarding the ownership of your mortgage, we will contact you prior to that to give you notification. 

Ulster Bank continues to offer competitive mortgage rates and you can continue to avail of those, in the same way you would have before now.

You will receive advance notice prior to your rate expiring, advising of the rate options available to you. Please be assured that this announcement does not affect your legal and regulatory protections. The tracker mortgage rate you hold at the time of transfer, will transfer with you to your new provider. We want to reassure you that you will continue to retain your tracker mortgage rate in line with your mortgage documentation.

No, a breakage cost will be applied if your loan is repaid whilst on a fixed rate – please refer to the fixed rate agreement and your terms and conditions for more details.

The tracker mortgage rate you hold at the time of transfer, will transfer with you to your new provider. We want to reassure you that you will continue to retain your tracker mortgage rate in line with your mortgage documentation. This announcement does not affect your legal and regulatory protections.  You should be aware that tracker interest rates are no longer available on the market and if you switch to an alternative interest rate, it will not be possible for you to go back to a tracker interest rate in the future.

We understand the announcement may have caused uncertainty for you and your future banking requirements. The important thing is that no action is required by existing mortgage customers as a result of this announcement. Please be assured that this announcement does not affect your legal and regulatory protections. The tracker mortgage rate you hold at the time of transfer, will transfer with you to your new provider. We want to reassure you that you will continue to retain your tracker mortgage rate in line with your mortgage documentation.

Where there is a proposed change regarding the ownership of your mortgage, we will notify you in advance of that and explain what that means for you.

You can of course switch your mortgage to another lender. You should be aware that tracker interest rates are no longer available on the market and if you switch to an alternative interest rate, it will not be possible for you to go back to a tracker interest rate in the future.

We understand that the announcement we have made introduces uncertainty for customers, but the decision has been taken after a period of careful consideration. Please be assured that this announcement does not affect your legal and regulatory protections. The tracker mortgage rate you hold at the time of transfer, will transfer with you to your new provider. We want to reassure you that you will continue to retain your tracker mortgage rate in line with your mortgage documentation. Any change regarding the ownership of your products / services with the Bank will be communicated to you in advance. 

Ulster Bank will not be offering any discount on the balance outstanding if your mortgage is redeemed. If you need support, are in financial difficulty or in a vulnerable situation, we are here to help you with your banking needs and queries. Please call us on 0818210275 (Open Monday- Friday 9am – 5pm). If you are calling from abroad, you can get in touch with us on 00353 818210275.

For more information on your current mortgage, please visit Ulster Bank’s Manage my Mortgage Portal - ulsterbank.ie/managemymortgage

We understand the announcement we have made may have caused uncertainty for you and your future banking requirements. The important thing is that no action is required by existing mortgage customers as a result of this announcement. Please be assured that this announcement does not affect your legal and regulatory protections. The tracker mortgage rate you hold at the time of transfer, will transfer with you to your new provider. We want to reassure you that you will continue to retain your tracker mortgage rate in line with your mortgage documentation.

You should be aware that tracker interest rates are no longer available on the market and if you switch to an alternative interest rate, it will not be possible for you to go back to a tracker interest rate in the future.

If you still wish to redeem your mortgage, you will need to call 0818 210 275 and request a redemption quote. Please note that if you pay your mortgage from an Ulster Bank current account, set up solely to pay your Ulster Bank mortgage and it is no longer required, you will need to close this account upon redeeming your mortgage to ensure the monthly maintenance fee is no longer applied. You can do this by calling us on 0818 211 461 or, alternatively, you can call into any of our branches.

No, you will not incur any costs. If there is a future proposed change regarding the ownership of your mortgage, we will contact you prior to that to give you notification. 

The announcement that has been made has no impact on your loan offer, it will remain valid until its expiry date and you can proceed to drawdown your loan with Ulster Bank Ireland DAC. Your Mortgage Manager or Mortgage Broker will be happy to support with any questions. Ulster Bank Ireland DAC has a range of competitive interest rates in the market and we are delighted that you have chosen Ulster Bank Ireland DAC as your Mortgage Provider.

It is important to understand that, should you proceed to draw down your mortgage, it will transfer to a new provider in the future. Please be assured that this announcement does not affect your legal and regulatory protections.

You can self-serve using Manage My Mortgage by going to the Ulster Bank Ireland DAC website and selecting 'Products' then 'Mortgages'. Under the "Manage Your Mortgage" heading there will be a link called 'Manage your mortgage'. Click on that link and then click on the button "Sign in to manage your mortgage online today".

You will then be presented with the log in screen where you need to key in the required details and click 'Log In'. Once you have entered the correct details, you will be presented with a 'mortgage summary' screen where you can review your mortgage.

Alternatively, you can contact our mortgage team for assistance on 0818 210 275 

We have additional FAQs available on our Customer Support Hub which you can access by clicking here. If you have any additional concerns or questions about your mortgage, you can contact us on 0818 210 275.

You may also wish to seek independent financial or legal advice. You can contact the Money Advice and Budgeting Service through www.mabs.ie. Additionally, you can contact Citizens Information at www.citizensinformation.ie. 

If your contact details or circumstances have changed recently or you believe we hold out of date contact information for you, you can update those details by contacting us on 0818210275 (Open Monday- Friday 9am – 5pm) or 00353 818210275 if you are calling from abroad. 

No, any requirement to maintain an Ulster Bank Current / ufirst / ufirstgold / ufirst Private account is no longer applicable therefore there will be no impact on your existing mortgage rate discount by closing your Ulster Bank account.

Please note, however, once your account is closed you will no longer have access to the ufirst / ufirstgold / ufirst Private or Loyalty mortgage rates for new mortgage needs in the future. Your legal and regulatory protections are not affected by this change. Some of our ufirst / ufirstgold / ufirst Private and Loyalty mortgage rates track our Standard Variable Rate (SVR) and may be increased or decreased at any time if the SVR is increased or decreased.

If you decide to switch to a different rate at any stage over the remaining term of your loan, you will not have an option to avail of the ufirst / ufirstgold / ufirst Private / Loyalty mortgage rate again.

The Binding Agreement announced with AIB  does not affect existing Ulster Bank tracker mortgage customers ability to apply for a top-up mortgage. Please contact our mortgage team for support and assistance to inquire about applying on 0818 210 275. Open Monday to Friday 9am-5pm (except bank holidays). 

Ulster Bank has entered into a Binding Agreement with AIB to sell a portfolio of performing tracker and linked mortgages. Following this announcement, we are writing to customers whose mortgage is likely to be included in this Binding Agreement. If your mortgage is likely to be included and you subsequently decide to switch to either an Ulster Bank fixed or variable rate, or a tracker replacement product, this will not affect your likely inclusion in the planned loan sale to AIB.

The formal confirmation of the inclusion of any mortgage in a loan sale will be provided 2 months in advance of transfer. The important thing is that no action is required by existing customers as a result of our Binding Agreement announcements . Please be assured that any change regarding ownership of your products/services with the Bank will be communicated to you in advance.

There are a very small number of mortgages which may have had a mortgage account on a tracker rate in the recent past that has since been redeemed, or the mortgage is linked to another mortgage that is on a tracker rate. For these reasons, the mortgage accounts are likely to be included in this Binding Agreement with AIB. The important thing is that no action is required by existing mortgage customers as a result of this announcement. The transaction with AIB may be subject to regulatory approvals and as such completion may not occur when expected or at all. We will write to you again 2 months in advance of any transfer of your mortgage to provide you with formal confirmation of the inclusion of your mortgage. Please be assured that this announcement does not affect your legal and regulatory protections.

From the first of July 2022 branch counter services across all 78 cash branch locations will close daily at 13:00. Fast lodgement facilities and branch automation will remain open until 16:30 and staff will be available to help customers with their queries.

Counter service is closing daily from 1pm to allow staff support customers in closing / moving their Ulster Bank accounts following the Ulster Bank DAC announcement to withdraw from the Irish market. This is an important activity that will increasingly require more customer support from branch colleagues.  

You can still avail of the ATM network, subject to daily card limits. For larger amounts, you will need to consider alternatives such as transfers via Anytime Banking or through the app which is more secure and provides an audit trail. 

Yes, you have 2 options to lodge Cash and cheques in branch between 13:00 and 16:30 daily.

1. If your local branch has a Cash Deposit Machine (CDM) you can lodge using your debit card or a dedicated lodgement slip for your account. There are 59 branches across the country with a CDM.
2. If your local branch does not have a CDM, you can lodge via the Fast Lodgement Envelope (available in branch) to a maximum of €1,500. Funds will be in your account before close of business that day. 

There are 19 branch locations across the country offering the Fast Lodgement Service as per table below:

1. You can use your Ulster Bank personal or business credit card in the CDM to lodge into your Ulster Bank credit card account.
2. In the 19 locations where there is no CDM, the “Fast Lodgement” service is available, you can place the giro from the bottom of your credit card statement into the Fast lodgement envelopment together with payment (max cash amount is €1,500, no cheque limit) and drop same into the relevant slot in the counter.
3. You can set up a direct debit to pay a set amount, minimum balance or balance outstanding.

You can transfer funds (including international transfers) up to €25,000 at any time using the app or Anytime Banking.

You can transfer up to €10,000 daily using Telephone Banking. Payments and transfers made online after 6pm Monday to Friday, at weekends and on Bank Holidays, go next working day or immediately if paying another Ulster Bank ROI account. You can transfer between two of your own accounts as many times as the like up to a limit of €999,999.99 per day.

See Anytime Banking registration guidance in the link below

https://www.ulsterbank.ie/ways-to-bank/getting-started-with-online-banking.html

The preferred option is for you to set up a direct debit or standing order to pay your Ulster Bank mortgage to avoid any issues with counters closing from 1pm daily. Alternatively, you can make payments to your mortgage via Telephony on 0818 210275 (lines open Monday to Friday from 9:00am to 5:00pm) or if in financial difficulty, by calling ASU team on 1800 435763 (lines open Monday to Friday from 9:00am to 5:00pm, except on Wednesdays when lines are open from 9:45am to 5:00pm).

On 19th February 2021, we announced that we would commence a phased withdrawal of all our banking activity and associated services in the Republic of Ireland. As part of this withdrawal process we will be removing the purchase and sale of foreign cash and the sale of foreign drafts from 1^st July 2022

• You will no longer be able to purchase or sell foreign currency at Ulster Bank branches.
• You will be no longer able to purchase foreign currency drafts at Ulster Bank branches.

• You can use Mobile and Anytime Banking (our online banking service) to make international payments.
• You can avail of foreign exchange services with alternative providers i.e.  An Post, Financial Institutions, Bureau de change outlets. 

• We will continue to accept foreign currency cheques and cheques drawn on foreign banks which can be lodged to your account in the normal manner.

On the 19th of February 2021 Ulster Bank announced a phased withdrawal of all our banking activity and associated services within the Republic of Ireland. As part of the withdrawal process, we are removing the Night Safe facility from all branches on 1^st July 2022.

There are a number of options available:

• Business customers registered for the Fast Cash service can make their lodgements via the Automated Deposit Unit (ADU) which are available in 50 branch locations nationwide or alternatively they can hand in their lodgement bag at the counter. This service is available Monday to Friday from 9:30am to 4:30 pm and from 10:00am to 4:30 on Wednesdays.

List below of 50 branches with Automated Deposit Unit (ADU)

Yes, to register, please contact your local branch, Relationship Manager or the Business Direct Unit on 0818 211 690 (lines open 8:30am to 5:30pm Monday to Friday).

Business customers not registered for Fast Cash can still lodge cash and cheques at the Cash Deposit Machine (CDM) provided they have a debit card or pre-printed lodgement slip. CDMs are available in 59 locations nationwide. In locations where there is no CDM, business customers can use the Fast Lodgement envelope to deposit cash and cheques (cash maximum is €1500 in notes). CDM and Fast lodgement facilities are available Monday to Friday from 9:30am to 4:30 pm and from 10:00an to 4:30pm on Wednesdays. Alternatively, customers can lodge directly at the counter up to 1pm daily.

List below of branches with Cash Deposit machines (CDM) 

• Customers can lodge to ADU/CDMs Mon, Tue, Thur, Fri 9:30am-4:30pm and Wednesday 10:00am – 4:30pm.
• Branch Counter service will be available  (09:30 – 13:00 daily, excluding Wednesdays it will be 10.00-13.00. Please check your local branch for opening times)

Existing mortgage customers can continue to apply for a Top Up Mortgage until the 26th August 2022. Please note this date is subject to change.

Existing Tracker & Offset mortgage customers can continue to apply for a Mortgage loan offer to move property or a Top Up Mortgage until further notice.

Please contact our mortgage team for support and assistance to inquire about applying on 0818 210 275. Open Monday to Friday 9am-5pm (except bank holidays).

If you have an Approval in Principle already in place prior to the 29th of April 2022, this will be valid for the validity period on your Approval in Principle letter.

From 10 June 2022 Ulster Bank is no longer accepting new Mortgage applications with the following exceptions

Existing mortgage customers can continue to apply for a Top Up Mortgage until the 26th August 2022.

Existing Tracker & Offset mortgage customers can continue to apply for a Mortgage loan offer to move property or a Top Up Mortgage until further notice.

Your in-progress mortgage application will continue as planned and you will continue to receive progress updates from your Mortgage Manager.

From 10 June 2022 Ulster Bank is no longer accepting new Mortgage applications with the following exceptions

Existing mortgage customers can continue to apply for a Top Up Mortgage until the 26th August 2022.

Existing Tracker & Offset mortgage customers can continue to apply for a Mortgage loan offer to move property or a Top Up Mortgage until further notice.

Customers that have a mortgage loan offer and its still in date are not affected by this change for the validity period of that loan offer and can continue to drawdown within that period. 

No, mortgage loan offers are valid for 6 months and cannot be extended. You will need to apply for a new mortgage application if your loan offer has expired by June 10th 2022. It is important to understand that, should your mortgage be fully approved and offer letter issued, it will transfer to a new provider in the future. 

From 10 June 2022 Ulster Bank is no longer accepting new Mortgage applications with the following exceptions

- Existing mortgage customers can continue to apply for a Top Up Mortgage until the 26th August 2022.

- Existing Tracker & Offset mortgage customers can continue to apply for a Mortgage loan offer to move property or a Top Up Mortgage until further notice

This change does not affect existing Ulster Bank Offset or Tracker Mortgage customers who wish to apply for a mortgage to move property. Please contact our mortgage team for support and assistance to inquire about applying on 0818 210 275. Open Monday to Friday 9am-5pm (except bank holidays). 

Mortgage Fixed rate roll offs and variable rate product change requests will continue to be supported as normal.

Please contact our mortgage team for support and further information on 0818 210 275. Open Monday to Friday 9am-5pm (except bank holidays).

Ulster Bank continues to offer competitive mortgage rates and you can continue to avail of those, in the same way you would have before now. You will receive advance notice prior to your rate expiring with the rate options available to you. If you choose a fixed rate, you would retain that rate throughout the period you chose. Depending on the duration of your fixed rate, it is likely that Ulster Bank may have completed the transfer of your mortgage to another mortgage provider by the time your new fixed rate expires. In this scenario, prior to expiry of your fixed rate, your new rate options will be communicated to you by your new mortgage provider.

From 10th June 2022 Ulster Bank is no longer accepting new Mortgage applications with the following exceptions

Existing mortgage customers can continue to apply for a Top Up Mortgage until the 26th August 2022.

Existing Tracker & Offset mortgage customers can continue to apply for a Mortgage loan offer to move property or a Top Up Mortgage until further notice.

Ulster Bank Ireland DAC is no longer accepting any new application requests from personal customers*. For all existing applications that were submitted before close of business on 29 October 2021, we will allow 28 days from the date of application for the account opening process to be completed.

Please be aware that the phased withdrawal of Ulster Bank Ireland DAC from Republic of Ireland may result in the transfer of your product to another provider or the closure of your account. We will communicate directly with you via email and / or letter to provide advance notice of any changes or actions required. * There are some exceptions where we continue to support our existing customers. click here for further information

We will continue to support our existing customers with overdraft applications in limited circumstances after close of business 29 October 2021, to provide customers access to short term emergency funds. This will apply to customers with existing overdrafts who require a limit increase as well as existing current account customers who don’t have an agreed overdraft today.

We continue to support our existing customers with limit increases on Credit Cards in limited circumstances to provide customers access to short term emergency funds.

Yes, this announcement does not affect your ability to reduce your credit card limit.

Unfortunately, with effect from close of business 29 October 2021, Ulster Bank Ireland DAC will not accept any new application requests for personal customers.

Unfortunately, with effect from close of business 29 October 2021, Ulster Bank Ireland DAC will not accept any new application requests for personal customers.

Unfortunately, with effect from close of business 29 October 2021, Ulster Bank Ireland DAC will not accept any new application requests for personal customers

Please refer to Eligibility Criteria - We will accept existing current account customers' applications for new overdrafts or increased overdraft limits, in limited circumstances to provide customers access to short term emergency funds.

Unfortunately, with effect from close of business 29 October 2021, Ulster Bank Ireland DAC will not accept any new application requests for personal customers, with the exception of Internal Debt refinance in limited circumstances – Please see Eligibility Criteria.

We will accept existing customers' applications for a refinance loan, in limited circumstances to allow customers refinance existing Internal debt only – (i.e. Credit Card balance or Overdraft balance) where they have no other access to funds to clear same. This is subject to meeting criteria set out in the checklist.

No, we no longer accept applications for additional cardholders. All existing additional cardholders are being removed in January and customers have been written to advising them of this.

Ulster Bank continues to offer competitive mortgage rates and you can continue to avail of those, in the same way you would have before now. You will receive advance notice prior to your rate expiring, advising of the rate options available to you. Please be assured that this announcement does not affect your legal and regulatory protections.

You will receive advance notice prior to your fixed rate expiring, advising of the rate options available to you. In the event that your mortgage is transferred to a new provider by the time your fixed rate expires, your new mortgage provider will inform you of the options that will be available to you once your fixed rate expires. Where there is a future proposed change regarding the ownership of your mortgage, we will contact you prior to that to give you notification.

You will receive advance notice from your new mortgage provider prior to your rate expiring, advising of the rate options available to you. Where there is a future proposed change regarding the ownership of your mortgage, we will contact you prior to that to give you notification.

No, a breakage cost will be applied if your loan is repaid whilst on a fixed rate – please refer to the fixed rate agreement and your terms and conditions for more details.

While we can reassure you that the 10% overpayment feature remains available and unchanged, we are unable to confirm until final arrangements are made with the new provider of your loan, whether this feature will continue unchanged when your mortgage is transferred. If you wish to make an overpayment, please log on to Manage My Mortgage.

While we can reassure you that the 10% overpayment feature remains available and unchanged, we are unable to confirm until final arrangements are made with the new provider of your loan, whether this feature will continue unchanged when your mortgage is transferred. If you wish to make an overpayment, please log on to Manage My Mortgage. 

Yes, Ulster Bank continues to offer very competitive mortgage rates and you can continue to avail of those, in the same way you would have before now. It is possible that Ulster Bank may have completed the transfer of your mortgage to another mortgage provider by the time your new fixed rate expires. If this happens, your new mortgage provider will communicate with you, prior to expiry of your fixed rate, to inform you of the interest rate options that will be available to you once your fixed rate expires.

No, a breakage cost will be applied if your loan is repaid whilst on a fixed rate – please refer to the fixed rate agreement and your terms and conditions for more details. You can visit our website for more information on mortgages or you can contact our mortgage team for assistance on 0818 210 275 with this query. Open Monday to Friday 9am-5pm (except bank holidays).

Yes, Ulster Bank has a range of competitive interest rates in the market and your Mortgage Manager will be happy to discuss all rate options with you. Any change in rate will require an updated loan offer to be issued. If you choose a fixed rate now you can continue to benefit from that fixed rate through to the date it expires. However, it is likely that Ulster Bank may have completed the transfer of your mortgage to another mortgage provider by the time your fixed rate expires. When this happens, your new mortgage provider will communicate with you, prior to expiry of your fixed rate, to inform you of the options that will be available to you once your fixed rate expires.

Yes, you can, subject to our credit criteria. Please contact our mortgage team for support and assistance with this query on 0818 210 275. Open Monday to Friday 9am-5pm (except bank holidays).

All current, valid mortgage loan offers will remain valid for the term outlined on your mortgage loan offer. It is important to understand that, should your mortgage be fully approved and offer letter issued, it will transfer to a new provider in the future.

Completion is expected to occur in phases between Q4 2022 and Q1 2023, with the majority of loans expected to transfer in Q4 2022. As completion is subject to obtaining regulatory and other approvals and other conditions being satisfied, completion may not occur when expected or at all. We will write to you again 60 days in advance of any transfer of your mortgage to provide you with formal confirmation of the inclusion of your mortgage. Please be assured that this announcement does not affect your legal and regulatory protections.

Yes, you can. If you choose a new interest rate and change your mind prior to the new rate being applied to your account, you can call 0818 210 275 to cancel that rate choice and further discuss your rate options. However, if you chose a fixed rate and change your mind after the new rate has been applied to your account, a breakage cost will apply. Ulster Bank have a very competitive range of interest rates and we encourage you to choose one that best suits your needs. If you chose a fixed rate, you would retain that rate throughout the period you chose. It is likely that Ulster Bank will have completed the transfer of your mortgage to another mortgage provider by the time your new fixed rate expires. In this scenario, prior to expiry of your fixed rate, your new rate options will be communicated to you by your new mortgage provider. Please be assured that this announcement does not affect your legal and regulatory protections. Where there is a future proposed change regarding the ownership of your mortgage, we will contact you prior to that to give you notification.

If you still wish to change your mind. You can call 0818 210 275 to discuss rate options.

If your contact details or circumstances have changed recently or you believe we hold out of date contact information for you, you can update those details by contacting us on 0818210275 or 00353 818210275 if you are calling from abroad.

You can self-serve using Manage My Mortgage by going to the Ulster Bank Ireland DAC website and selecting 'Products' then 'Mortgages'. Under the "Manage Your Mortgage" heading there will be a link called 'Manage your mortgage'. Click on that link and then click on the button "Sign in to manage your mortgage online today".

We understand the announcement we have made may have caused uncertainty for you and your future Banking requirements. The important thing is that no action is required by existing mortgage customers as a result of this announcement. Please be assured that this announcement does not affect your legal and regulatory protections. Where there is a proposed change regarding the ownership of your mortgage, we will notify you in advance of that and explain what that means for you. If you still wish to redeem your mortgage, you will need to call 0818 210 275 and request a redemption quote. Please note that if you pay your mortgage from an Ulster Bank current account, set up solely to pay your Ulster Bank mortgage and it is no longer required, you will need to close this account upon redeeming your mortgage to ensure the monthly maintenance fee is no longer applied. You can do this by calling us on 0818 211 461 or, alternatively, you can call into any of our branches.

If you have any additional concerns or questions about your mortgage, contact us on 0818 210 275. You may also wish to seek independent financial or legal advice. You can contact the Money Advice and Budgeting Service through www.mabs.ie. Additionally, you can contact Citizens Information at www.citizensinformation.ie. 

You should be aware tracker mortgage rates are no longer available in the market and so if you pay off your loan now and were to look to seek further lending in the future, the tracker rate will no longer be available. Of course it is your decision to redeem your mortgage however.

If any portion of your mortgage is on a tracker rate, this will mean your mortgage is not included within the Binding Agreement we have announced with Permanent TSB Group. We are working through what happens for customers who may have more complex products, and the important thing is that no action is required by existing mortgage customers as a result of this announcement. Please be assured that any change regarding the ownership of your products / services with the Bank will be communicated to you in advance. Please be assured that this announcement does not affect your legal and regulatory protections.

Ulster Bank has entered into a Binding Agreement with Permanent TSB for the sale of all performing non-tracker mortgages. Following this announcement, we are writing to all customers whose mortgage is likely to be included in this Binding Agreement. The important thing is that no action is required by existing mortgage customers as a result of this announcement. Completion is expected to occur in phases between Q4 2022 and Q1 2023, with the majority of loans expected to transfer in Q4 2022. As completion is subject to obtaining regulatory and other approvals and other conditions being satisfied, completion may not occur when expected or at all. We will write to you again 60 days in advance of any transfer of your mortgage to provide you with formal confirmation of the inclusion of your mortgage. Please be assured that this announcement does not affect your legal and regulatory protections.

Following this announcement, we are writing to all mortgage customers whose mortgage is likely to be included in this Binding Agreement. If you hold multiple mortgages with us, you will receive a separate communication for each mortgage likely to be included within this Binding Agreement.

The transaction with Permanent TSB is subject to regulatory approvals, including from the Competition and Consumer Protection Commission (CCPC). We are writing to all mortgage customers whose mortgage is likely to be included in this Binding Agreement. The agreement is also subject to formal completion of the transaction between Ulster Bank and Permanent TSB post CCPC approval. We will write to you again 60 days in advance of any transfer of your mortgage to provide you with formal confirmation of the inclusion of your mortgage.

The transaction with Permanent TSB Group is subject to regulatory approvals, including from the Competition and Consumer Protection Commission (CCPC). The agreement is also subject to formal completion of the transaction between Ulster Bank and Permanent TSB post CCPC approval. Any customer in the process of drawing down a new non-tracker mortgage is likely to be included within this Binding Agreement. We will write to you 60 days in advance of any transfer of your mortgage to provide you with formal confirmation of the inclusion of your mortgage.

We understand that the announcement we have made introduces uncertainty for customers, but the decision has been taken after a period of careful consideration. Please be assured that this announcement does not affect your legal and regulatory protections. Any change regarding the ownership of your products / services with the Bank will be communicated to you in advance.

Ulster Bank will not be offering any discount on the balance outstanding if your mortgage is redeemed. If you need support, are in financial difficulty or in a vulnerable situation, we are here to help you with your banking needs and queries. Please call us on 0818210275 (Open Monday- Friday 9am – 5pm). If you are calling from abroad, you can get in touch with us on 00353 818210275. For more information on your current mortgage, please visit Ulster Bank’s Manage my Mortgage Portal - ulsterbank.ie/managemymortgage.

No, you will not incur any costs. If there is a future proposed change regarding the ownership of your mortgage, we will contact you prior to that to give you notification.

We understand the announcement may have caused uncertainty for you and your future Banking requirements. The important thing is that no action is required by existing mortgage customers as a result of this announcement. Please be assured that this announcement does not affect your legal and regulatory protections. Where there is a proposed change regarding the ownership of your mortgage, we will notify you in advance of that and explain what that means for you. You can of course switch your mortgage to another lender. You can visit the Competition and Consumer Protection Commission's website for more information on switching lenders (https://www.ccpc.ie/). Please note that a breakage cost may be applied if your loan is repaid whilst on a fixed rate in accordance with the terms and conditions for your mortgage loan.

Offset Mortgage products are not part of the legally Binding Agreement announced with Permanent TSB. We understand the announcement may have caused uncertainty for you and your future Banking requirements. We can confirm that there is no action required for our existing customers at this time. Please be assured that the outcome of this decision does not affect your legal and regulatory protections.  If there is a proposed change regarding the ownership of your Mortgage, we will notify you in advance of that and explain what that means for you.

We will write to you later this year to give you 6 months’ notice before we close your credit card account.  At the end of the 6 months’ notice period your account will be closed, and you will no longer be able to use your card. You should aim to clear your balance before we close your account. If you are unable to do this, you should continue to make repayments in line with the terms and conditions of your credit card agreement.  Failure to do so could have consequences for you, for example negative impact on your credit rating.

You should continue to make repayments in line with the terms and conditions of your credit card agreement, i.e. at least continue to make the minimum payment, but you should clear your balance as soon as you can. If you don’t make the minimum payment your account will go into arrears. If this happens our Financial Health and Support Team will contact you to discuss the options available to you. Failure to meet the minimum payment requirements could have consequences for you, for example negative impact on your credit rating.

If you need additional support, are in financial difficulty or in a vulnerable situation, we are here to help you. Please call our Credit Card Team for support and further information on 0818 210 261 (lines open 24 hours a day including Bank Holidays).  Our Financial Health and Support Team are available Monday to Friday 8am - 8pm and Saturdays 8am - 1pm. 

The Competition and Consumer Protection Commission (CCPC) provides independent information including product comparison tools to help you find another provider, visit: www.ccpc.ie/consumers/money-tools/credit-card-comparisons *

If you can’t get a credit card with another provider, you will need to use alternative methods to meet your banking needs, e.g. if you are using your credit card as a payment method a debit card is an alternative; if you are using your credit card for borrowing an alternative may be an overdraft/personal loan with another provider.

*The link is attached for guidance purposes. Ulster Bank is not responsible for the content of third-party websites.

Credit Card Stamp Duty (€30) is a tax charged by the Government on credit cards issued in the Republic of Ireland each year. It is charged on the 1st of April each year for the preceding year or when an account is closed. You are charged stamp duty for each credit card you hold.

When you close an account, you are charged the stamp duty on closure.  If you open an account with a new provider, there is a process in place to help you make sure that you do not pay the tax twice in one year. To avail of this process you should request a letter of closure by writing to us at:  Ulster Bank Cards, PO Box 4015, Dublin 2. You should then submit that letter to your new credit card provider so that you are not charged the duty on the next 1st of April for the year you have already paid for. 

As part of our phased withdrawal from the Republic of Ireland, we will be ceasing our activities as an insurance intermediary on 31st July. We have reached an agreement with Irish Life Assurance Plc (Irish Life) to end our appointment as a tied agent and to transfer our intermediary activities for your policy to Irish Life Financial Services Ltd (ILFS).

No, your policy will not be affected and will remain in place with Irish Life until maturity.  Should you have any queries on your policy, you can contact Irish Life on (+353) 1 7041010 or, alternatively, please call us on 0818 211 461.

No, your investment will remain in place with Irish Life. Should you have any queries on your policy, you can contact Irish Life on (+353) 1 7041010 or, alternatively, please call us on 0818 211 461.

Yes, we will continue to provide ongoing financial planning advice to our existing customers through Irish Life until 31st July when we will be ceasing our insurance intermediary activities and will stop providing existing customers with new financial advice. Up until 31st July, existing customers can continue to be supported with new financial planning advice covering the full range of needs (Mortgage Protection, Life protection, Investment and Pension). 

We will be sending letters to all customers who hold an Irish Life policy shortly through advice provided by Ulster Bank advising them of this change and what this means for them.

There is no change to your current Irish Life policy and all terms and conditions will remain the same until your policy maturity date.  Irish Life will continue to service and administrate your policy as normal.

If you are happy for us to transfer the intermediary activities (ongoing advice) associated with your policy to ILFS you do not need to do anything.  ILFS will contact you over the coming months by letter and will be happy to support you with any future advice requirements you have in connection with your policy.  If you object to Ulster Bank transferring your personal data associated with your policy to ILFS for the purpose of acting as your insurance intermediary, simply email financial.planning@ulsterbank.com with your instruction and policy number within 2 months of receiving your letter.

Importantly, your policy terms and conditions will not change and Irish Life will continue to service and administrate your policy until maturity date.  If you object within 2 months of receiving our notification letter, then ILFS will not act as your insurance intermediary in connection with this policy and will not offer you ongoing advice services.  Should you wish to avail of financial advice connected to this policy in the future you can select a financial advisor /  intermediary of your choice.  

If you feel you need additional support, please call us on 0818 210 260 (00353 1804 7475 if calling from abroad)

If you have any query related to your Irish Life policy, please contact Irish Life’s dedicated service team on (+353) 1 7041010

If you have a complaint related to the financial advice provided by Irish Life Financial Services Ltd on behalf of Ulster Bank since 1st January 2020, or a complaint related to the administration or servicing of your policy, please contact Irish Life on (+353) 1 7041010.

If you have a complaint related to the financial advice provided by Ulster Bank prior to 1st January 2020, please contact us on 1800200162 (00353 1709 2042 if calling from abroad)

As part of our phased withdrawal from the Republic of Ireland, we will be ceasing our activities as an insurance intermediary and we will not be able to offer you a renewal quotation. We have reached an agreement with Aviva Direct Ireland Limited (Aviva Direct) who will now be offering you renewal terms in relation to your insurance policy.  We will write to you shortly to give you more information on this important development. 

You don’t need to do anything to receive a renewal quotation from Aviva Direct as your existing insurance policy details will be used by them to provide a renewal quotation prior to your renewal date. Aviva Direct will continue to offer you similar terms and benefits for your upcoming renewal.  This means you still have the peace of mind of the cover you had as an Ulster Bank DAC customer.  You should read your policy documentation, including your policy booklet, in full prior to renewing your policy. Your renewal pack will include a policy booklet.  A copy of this is also available from Aviva Direct upon request 

No there is no change. Your current policy will remain with Ulster Bank and there will be no change to the terms and benefits until your renewal date. 

Aviva Direct will issue you with a renewal invitation pack (which will include any regulatory required documentation e.g. No Claims Bonus Certificate) 30 days prior to your policy falling due for renewal. This pack will contain all the details about your upcoming period of insurance including your level of cover and the premium cost. The pack will also include any details about updates to contact numbers or any other relevant information you may need, in order to be fully informed about your policy transfer to Aviva Direct. You should read your policy documentation, including the policy booklet, in full prior to renewing your policy to ensure you wish to proceed with cover. 

You can choose to pay your premium:

• by credit or debit card in full by contacting Aviva Direct on 1800 700 800
• continue to pay by direct debit instalment, or;
• should your account details have changed, or you wish to switch to direct debit instalment billing, please complete and return the direct debit instalment mandate contained in your renewal pack.

You are free to choose your own intermediary or insurance provider and arrange insurance cover with them. If you wish to cancel your cover with Ulster Bank DAC or Aviva Direct, you should contact Aviva on 1800 700 800 to arrange for the cancellation of your policy.

If you cancel your existing policy mid term Aviva will provide you with a refund in line with your policy terms and conditions. Please refer to your policy booklet for more detail.

Important: You should be aware of the risks involved if you cancel an insurance policy without having suitable alternative cover in place. Failure to have property insurance in place could lead to a breach of the terms and conditions attaching to any loan secured on that property. It is a legal requirement to have car insurance in place on your vehicle.

In the event of a claim you should contact the Aviva Claims Service Team on 1800 147 147.

Aviva will continue to provide you with the same level of customer care and expertise as is currently available under your existing policy. For further details on the claim process, please refer to your policy booklet.

If you need support you can contact our dedicated team in Aviva on 1800 700 800

If you have a complaint regarding your existing policy you can contact our dedicated team on 1800 700 800.

We are no longer accepting any new application requests for new home or car insurance quotes. If you require home or car insurance, please make alternative arrangements.

Yes - There is no immediate change for you, your products and services at this time, however when this changes, we will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required.

There is no immediate change for you, your products and services at this time, however when this changes, we will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required. If you are having difficulty managing your loan, we are here to help. Please contact us on 0818 210 276.

There is no immediate change for you, your products and services at this time, however when this changes, we will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required. If you are having difficulty managing your overdraft or credit card, we are here to help. Please contact us on 0818 210 276.

There is no immediate impact on your products or your day to day banking with us. We will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required.

Yes, you can do this in one of the following ways:

If you already have a new account set up with your new provider and need to amend your Personal Loan Direct Debit information, you can call the Ulster Bank Customer service team on 0818 210 260 and provide your new current account IBAN & BIC details over the phone. Alternatively, you can visit your local Branch and provide your new details there. Locate your nearest branch. (http://www.ulsterbank.ie/branchlocator)

If you are going to switch your Ulster Bank Current account to a new provider, once your new account is opened, you will complete a Switcher Pack with them. Your new Current account provider will contact us to start the switch and we will provide them with a list of your Direct Debits (a copy will also be sent to you). We will update your new IBAN and BIC on your Ulster Bank Personal Loan Direct Debit once we receive the switcher pack.

Please ensure that your Direct Debit amendment request is submitted 10 working days ahead of your next loan repayment date to ensure that it goes through.

Please note – your Ulster Bank Personal Loan will be credited on your usual repayment date but your Current account with your new provider will be debited 2 working days later each month. 

No action is required from Personal Loan customers at this time and we will write to you about your Personal Loans separately in 2023. If you hold a Personal Loan, you will not be asked to repay it early but you will need to ensure that you continue to make the repayments on your loan, in accordance with the terms of your relevant Personal Loan agreement. Failure to do so could have consequences for you, including negatively impacting your credit rating.  

If your Personal Loan remains in place with a remaining term at the point that we complete our withdrawal from the market, it is possible that your loan will be transferred to another provider.  We will write to you giving you notice of any action that you need to take if this occurs and advising of any impact on you. If you do not wish for your loan to be transferred to another provider, you also have the option of applying for a refinance loan with your new Bank and using these funds to repay your Ulster Bank Personal Loan.  There are no fees or charges levied by Ulster Bank for early closure/repayment of personal loans. 

You will not be asked to repay the loan in full and are only required to continue to make your loan repayments, as per your Personal Loan agreement.

If you need additional support, are in financial difficulty or in a vulnerable situation, we are here to help you with your banking needs and queries, please call us on 0818 211 461.

Deposits of up to €100,000 per customer are protected as per the existing Deposit Guarantee Scheme. Please be assured your funds remain safe with Ulster Bank Ireland DAC and we remain regulated by the Central Bank of Ireland. This affords you the same protections and rights as prior to the announcement.

No changes or actions are required by you at this time. There is no immediate impact on your products or your day to day banking. We will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required. Beginning in early 2022, on a rolling basis, we will start to give current and deposit account customers formal letters of notice of up to six months, to choose a new bank; move to that bank; and close their Ulster Bank accounts. You do not need to take action until you receive your letter, however we are actively helping customers who wish to review their banking options. When you are ready to take action, we are ready to help. Please call us on 0818 211 461 or, alternatively, you can call into any of our branches. Please be assured that this announcement does not affect your legal and regulatory protections. 

No changes or actions are required by you at this time. There is no immediate impact on your products or your day to day banking. We will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required. Beginning in early 2022, on a rolling basis, we will start to give current and deposit account customers formal letters of notice of up to six months, to choose a new bank; move to that bank; and close their Ulster Bank accounts. You do not need to take action until you receive your letter, however we are actively helping customers who wish to review their banking options. When you are ready to take action, we are ready to help. Please call us on 0818 211 461 or, alternatively, you can call into any of our branches. Please be assured that this announcement does not affect your legal and regulatory protections.

There is no immediate impact on the rate you currently have with us, your products or your day to day banking. We will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required. Beginning in early 2022, on a rolling basis, we will start to give current and deposit account customers formal letters of notice of up to six months, to choose a new bank; move to that bank; and close their Ulster Bank accounts. You do not need to take action until you receive your letter, however we are actively helping customers who wish to review their banking options. When you are ready to take action, we are ready to help. Please call us on 0818 211 461 or, alternatively, you can call into any of our branches. Please be assured that this announcement does not affect your legal and regulatory protections.

Your money continues to remain safe with Ulster Bank Ireland DAC, this announcement does not require any action by you. If you wish to break your fixed rate deposit, your current terms and conditions will continue to apply.

Yes - There is no immediate change for you, your products and services. We will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required. Beginning in early 2022, on a rolling basis, we will start to give current and deposit account customers formal letters of notice of up to six months, to choose a new bank; move to that bank; and close their Ulster Bank accounts. You do not need to take action until you receive your letter, however we are actively helping customers who wish to review their banking options. When you are ready to take action, we are ready to help. Please call us on 0818 211 461 or, alternatively, you can call into any of our branches.

No changes or actions are required by you at this time. There is no immediate impact on your products or your day to day banking. We will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required. Beginning in early 2022, on a rolling basis, we will start to give current and deposit account customers formal letters of notice of up to six months, to choose a new bank; move to that bank; and close their Ulster Bank accounts. You do not need to take action until you receive your letter, however we are actively helping customers who wish to review their banking options. When you are ready to take action, we are ready to help. Please call us on 0818 211 461 or, alternatively, you can call into any of our branches. Please be assured that this announcement does not affect your legal and regulatory protections.

Whilst there is no immediate change for you, your products and services at this time, you can go to https://www.ccpc.ie/ for independent information on savings accounts with other providers. 

As these accounts are linked to an Offset Mortgage, closure of these accounts would result in the loss of the offset benefit. If the Offset Mortgage continues to meet your needs, please ensure any current and/or savings accounts linked to an Offset Mortgage remain open for now. You do not need to take any action now in relation to your Offset Mortgage or any accounts linked to it. We will communicate with you directly in the coming months in relation to your Offset Mortgage outlining any actions you may need to take.

Please check our Frequently Asked Questions for business customers.

We continue to operate as normal; your insurance cover remains in place with Aviva Ireland DAC and is unaffected by this announcement. If there is any change in the future, we will inform you in writing.

Please visit www.lombard.ie for further information.

From the 28 March 2022, where your deposit was previously set to be renewed at maturity this will no longer happen as this product is no longer available to personal customers.  At maturity, your deposit plus interest due will automatically transfer into your Ulster Bank servicing account.

Yes, your Branch will remain open for now and we will continue to serve you and our communities.

We will communicate directly with you via email and / or letter to provide advance notice of any changes or actions required. For now, your Branch will remain open and will continue to serve customers as it does today.

The branch locations were selected as part of the discussions with Permanent TSB Group, with a guiding principle of ensuring continued dedication to serving customers and supporting our communities.

There is no immediate impact on your products or your day to day banking. We will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required.

Beginning in early 2022, on a rolling basis, we will start to give current and deposit account customers formal letters of notice of up to six months, to choose a new bank; move to that bank; and close their Ulster Bank accounts. You do not need to take action until you receive your letter, however we are actively helping customers who wish to review their banking options. When you are ready to take action, we are ready to help.

Please call us on 0818 211 461 or, alternatively, you can call into any of our branches. Please be assured that this announcement does not affect your legal and regulatory protections

Nothing - We will communicate directly with you via email and / or letter to provide advance notice of any changes or actions required. However, we are actively helping customers who wish to review their banking options. When you are ready to take action, we are ready to help. Please call us on 0818 211 461 or, alternatively, you can call into any of our branches. Please be assured that this announcement does not affect your legal and regulatory protections.

Yes, your Branch will remain open for now and we will continue to serve you and our communities.

Everything remains in place as normal.

The Central Bank of Ireland has a Switching Code that is designed to make the process as quick and easy as possible, which all banks must comply with. Once you choose your new Bank, they will initiate the Switcher request and will assist and guide you through what is required to transfer the relevant product to them. For more information, please visit our website www.ulsterbank.ie. 

There is currently no agreement to sell mortgages in arrears to a third party, but it’s important to us to help you manage your mortgage. Our Arrears Support Unit (ASU) will continue to be available to support you in finding a long-term sustainable solution.

If you are in financial difficulty, we can assign a dedicated case manager to help you. If you would like to have a case manager appointed to help you, you can request this by contacting the ASU on 1800 435 763 for Mortgage Support If this changes in the future, we will communicate directly with you via email and / or letter to provide advance notice of any changes or actions required.

Yes, our ASU team will continue to support customers to find a long-term sustainable solution. If you are in financial difficulty it is important that you engage with ASU to complete a financial assessment. You can contact ASU on 1800 435 763 for Mortgage Support and 0818 210 276 for Personal Debt support.

Yes, it is important that you continue to meet the monthly repayments you have agreed with the Bank as part of an alternative repayment arrangement. If your circumstances change and you are no longer able to maintain the agreed payment, then please contact the Arrears Support Unit on 1800 435 763 for Mortgages and 0818 210 276 for Personal Debt

All legal proceedings will continue as normal. However, if you would like to engage to find a solution to your financial difficulties, you can request a case manager by calling the ASU on 1800 435 763 for Mortgage Support. If your difficulties relate to Personal Debt, please contact 0818 210 276.

We will continue to support you with your existing bank products and services. However, we are actively helping customers who wish to review their banking options. When you are ready to take action, we are ready to help.

Our ASU team will continue to support customers to find a long-term sustainable solution. If you are in financial difficulty it is important that you engage with ASU to complete a Standard Financial Assessment. ASU will continue to work with you to find a solution to your financial difficulties. You can contact ASU on 1800 435 763 for Mortgage Support and 0818 210 276 for Personal Loan Debt support

Yes, our ASU team will continue to support customers to find a long-term sustainable solution. If you are in financial difficulty it is important that you engage with ASU to complete a financial assessment. This can be completed using our online portal at Struggling Financially - Help and Support or you can contact ASU on 1800 435 763 for Mortgage Support and 0818 210 276 for Personal Debt support.

Yes, it is important that you continue to meet the monthly repayments you have agreed with the Bank as part of an alternative repayment arrangement. If your circumstances change and you are no longer able to maintain the agreed payment, then please contact the Arrears Support Unit on 1800 435 763 for Mortgages and 0818 210 276 for Personal Debt

All of our products and services that you have enjoyed as our customer remain in place today. When this changes we will communicate directly with you via email and / or letter to provide advance notice of any changes or actions required. However, we are actively helping customers who wish to review their banking options. When you are ready to take action, we are ready to help. Please call us on 0818 211 461 or, alternatively, you can call into any of our branches.

We understand what an important service this was, so we want to reassure you that we’re still here to help you with your banking needs and I can outline the alternative ways to bank with us: Mobile and Anytime Banking (our online banking service) - you can manage most of your day-to-day banking quickly and safely online including checking your balance, keeping an eye on your transactions, paying bills or transferring money. Whether you already use online banking or would like to know more about it, please visit our website www.ulsterbank.ie. You can also contact any of our branches for support. Over the phone – we’ve a dedicated vulnerable and elderly customer telephone line which goes straight through to our team of customer care experts. It also offers extra services, like allowing a trusted friend, relative or carer to securely withdraw cash for you with Emergency Cash. Please call 1800 656 001* from 8am to 8pm, seven days a week, for assistance. In branch – we’ve dedicated visiting hours in our branches for our vulnerable and elderly customers. Cora, our digital assistant - you might want to speak to our digital assistant, Cora, who is available to chat 24/7. She can help you with day-to-day queries you may have such as branch opening hours or how to make a payment.

Manage my Mortgage - You can manage your mortgage online to help you stay in control. You’ll be able to view your current balance, check your monthly payment and due date or set up a direct debit. To manage your mortgage online, you’ll just need your mortgage account number, surname and date of birth.

Vulnerable Customer – We have a dedicated helpline available which you can contact us on 1800 656 001*, where we can support you with any questions/queries or requests that you may have. It is also our priority to ensure you are protected against potential scams & frauds so in light of that we have security features build into our apps but I would also like to share some of the common practices with you. I can discuss this with you now or alternatively send you an email with some hints and tips.

If you need additional support, are in financial difficulty or in a vulnerable situation, we are here to help you with your banking needs and queries, please call us on 0818 211 461. If you are calling from abroad, you can get in touch with us on 00353 18047475. If you do prefer to call us, please be patient with us as we may be experiencing longer than usual call wait times. Alternatively, you can call into any of our branches.

No changes or actions are required by you at this time. There is no immediate impact on your products or your day to day banking. We will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required.

Beginning in early 2022, on a rolling basis, we will start to give current and deposit account customers formal letters of notice of up to six months, to choose a new bank; move to that bank; and close their Ulster Bank accounts. You do not need to take action until you receive your letter, however we are actively helping customers who wish to review their banking options. When you are ready to take action, we are ready to help. Please call us on 0818 211 461 or, alternatively, you can call into any of our branches.

Please be assured that the this announcement does not affect the terms and conditions of your products / services with us in the short term. Everything remains the same for now. We will communicate directly with you via email and / or letter to provide advance notice of any changes or actions required.

The withdrawal of the Bank is not covered in Terms and Conditions of our products. We are however entitled to transfer the product to another provider. Please be assured that this announcement does not affect your legal and regulatory protections.

Your consumer rights are detailed within your Ulster Bank terms and conditions. For additional independent and impartial information, you can also review The Competition & Consumer Protection Commission website https://www.ccpc.ie/ for reference.

No changes or actions are required by you at this time. There is no immediate impact on your products or your day to day banking. We will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required. Beginning in early 2022, on a rolling basis, we will start to give current and deposit account customers formal letters of notice of up to six months, to choose a new bank; move to that bank; and close their Ulster Bank accounts.

You do not need to take action until you receive your letter, however we are actively helping customers who wish to review their banking options. When you are ready to take action, we are ready to help. Please call us on 0818 211 461 or, alternatively, you can call into any of our branches. Please be assured that this announcement does not affect your legal and regulatory protections.

The binding agreement reached with Permanent TSB Group does not include any current and deposit accounts. If you have a current or deposit account you will start to receive formal letters of notice of up to six months, beginning in early 2022, on a rolling basis, to choose a new bank; move to that bank; and close your Ulster Bank accounts. You do not need to take action until you receive your letter, however we are actively helping customers who wish to review their banking options. When you are ready to take action, we are ready to help. Please call us on 0818 211 461 or, alternatively, you can call into any of our branches

All fees will continue to be in place as per business as usual.

There is no impact to your credit rating.

This announcement is focused solely on Ulster Bank Ireland DAC in the Republic of Ireland and has no impact on Ulster Bank Limited in Northern Ireland. Your accounts in Ulster Bank Limited in Northern Ireland will remain open and fully operational.

Yes. All operational changes on your account can still be made and you should contact us in the normal way to do that

There is no immediate impact on you, your products and services at this time. We will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required. 

Yes, there is no immediate change for you, your products, and services, however, we will communicate directly with you via email and/or letter and provide advance notice of any changes or actions required

Please be assured that this announcement does not affect the terms and conditions of your accounts/products with us in the short term. Please be aware that the phased withdrawal of Ulster Bank Ireland DAC from Republic of Ireland may result in the transfer of your product to another provider or the closure of your account. We will communicate directly with you via email and / or letter to provide advance notice of any changes or actions required.

Yes, there is no immediate change for you, your products, and services, however, we will communicate directly with you via email and/or letter and provide advance notice of any changes or actions required

Yes, this announcement does not affect your ability to reduce your overdraft.

If you feel that your existing current account is no longer suitable for you, please contact us here 0818 211 461 to discuss your account and your available options..

All services presently available to our customers through these outlets remain in place.

Any new or existing complaints in relation to Ulster Bank Ireland DAC services or products will continue to be investigated and responded to by Ulster Bank Ireland DAC.

No changes or actions are required by you at this time. There is no immediate impact on your products or your day to day banking with us. The Private Banking team will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required. Should you have any specific queries please contact your Private Relationship Manager Or email PrivateServiceRI@ulsterbank.com. 

No changes or actions are required by you at this time. There is no immediate impact on your products or your day to day banking. We will communicate directly with you via email and / or letter and provide advance notice of any changes or actions required.

Beginning in early 2022, on a rolling basis, we will start to give current and deposit account customers formal letters of notice of up to six months, to choose a new bank; move to that bank; and close their Ulster Bank accounts. You do not need to take action until you receive your letter, however we are actively helping customers who wish to review their banking options. When you are ready to take action, we are ready to help. Please call us on 0818 211 461 or, alternatively, you can call into any of our branches.