Current and Savings Accounts

You can check your contact details via the App by tapping the profile icon (top right) and selecting “Manage your personal details” or by selecting Help icon and selecting ‘Message us’ then entering a message requesting to check your contact details, you can also request your contact details to be updated here.

On Anytime banking, you can view your contact details under ‘Your details’ tab on the left and you can also request them to be update here.

If you do not have Anytime Banking or the Mobile App, you can call us on 0818 210 261 to update your contact details. 

Ulster Bank is closing, and our team has begun to close current and deposit accounts. If your six month closure notice period has passed and your deadline has been reached, your account will be queued for closure. In line with Ulster Bank’s commitment to withdraw in an orderly manner, the Bank is commencing this process in a careful and controlled way, beginning with those whom Ulster Bank believes are no longer reliant on their accounts.

Once this happens, you will no longer be able to use your account. Any direct debits, standing orders or future dated payments will not be made. Any payments into your account such as your salary, pension, social welfare will not be paid into the account. They will be returned. 

If you are still relying on your personal bank account and in need of support, please contact us immediately. Visit ulsterbank.ie, or call 0818 210 260. If you need extra support, call our Vulnerable Customer Line on 1800 656 001.

Your servicing account for the Foreign Currency Current Account and Foreign Currency Call Deposit must remain open until the Foreign Currency account(s) is closed. Any remaining balance will be transferred into your servicing account. You can close these accounts by writing to request closing the account. Fill in and sign the Account Closure Request Form. You can return the form by free post to: Ulster Bank - Freepost, Customer Service Centre, Po Box 5706, Dublin 2.

If you don't close your account before the closure date on your letter, your Foreign Currency account will be closed by us before we close your servicing account. Your remaining balance, plus any credit interest due, will be converted into Euro at the prevailing market rate of exchange applicable on the date of closure and transferred to your servicing account. You will be able to withdraw the remaining balance from your servicing account by contacting us on 0818 210 260 (00353 1804 7475 if calling from abroad). 

If the minor named on the account is under 7, the parent/guardian(s) named on the account must provide their signature(s) to close the account.

• If you are under 18 and the account is in your sole name, you will need your parent/guardian to provide their signature(s) to close the account along with your signature.

• If you are under 18 and your parent/guardian is named on the account with you, they must also provide their signature(s) to close the account along with your signature.

These accounts can be closed by writing into us. Fill in and sign the Account Closure Request Form .You can return the form by free post to: Ulster Bank - Freepost, Customer Service Centre, Po Box 5706, Dublin 2.

If you have a Loyalty Saver; Access Plus; Reward Reserve; Bonus Saver or ECB Rate Linked Deposit Account, any bonus interest accrued will be paid at account closure. DIRT** will be deducted where applicable. The existing withdrawal restrictions will also be removed.

• If your Money Desk Deposit is due to mature before the closure date referred to in your letter , you have the option to let your Money Desk Deposit continue to its maturity date. This will mean your deposit plus any interest due will be automatically transferred to your servicing account once it matures, and we will close your Money Desk Deposit account.
• If you wish to close your Money Desk Deposit early/before its maturity date, you will earn interest up to the date you close your Money Desk Deposit. Your deposit plus any interest due will be transferred to your servicing account. To request that your Money Desk Deposit is terminated early, you will need to call us on 0818 211 594 (Monday to Friday, 9am to 4pm).
• If you don't close your account before the closure date on your letter, your Money Desk Deposit account will be closed by us before we close your servicing account. Your balance plus interest due to the date of closure will be transferred to your servicing account and you will be able to withdraw the remaining balance by contacting us on 0818 210 260 (00353 1804 7475 if calling from abroad).
• It is important that you close your Money Desk Deposit before closing the servicing account linked to it.
• A termination letter and closing statement will be issued to you once the Money Desk Deposit has been closed.

All returns are subject to Deposit Interest Retention Tax (DIRT)**.

No - we are now waiving this loss of interest where you choose to close your Money Desk Deposit prior to its maturity date. If you wish to close your Money Desk Deposit early/before its maturity date, you will earn interest up to the date you close your Money Desk Deposit.

Your details may have been taken at account opening so please bring your passport or drivers licence when closing the account with your child’s birth certificate/ passport.

We have now begun closing accounts. 

If your six month closure notice period has passed and your deadline has been reached, your account is now queued for closure. You must take action now. If you are still relying on your deposit account and in need of support, please contact us immediately.

Visit ulsterbank.ie or  call us on 0818 210 260.  If you require additional support please contact our Vulnerable Customer Line on 1800 656 001.  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. 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.

If your account is open but has not been used for a long period of time, you will need to contact our team for information on how to close it.  Our Telephony team can help you. Please call 0818 210 260.

If your account is open but has not been used for a long period of time, you will need to contact our team for information on how to close it.  Our Telephony team can help you. Please call 0818 210 260.

Ulster Bank is closing, and our team has begun to close current and deposit accounts. If your six month closure notice period has passed and your deadline has been reached, your account will be queued for closure. In line with Ulster Bank’s commitment to withdraw in an orderly manner, the Bank is commencing this process in a careful and controlled way, beginning with those whom Ulster Bank believes are no longer reliant on their accounts.

Once this happens, you will no longer be able to use your account, and cannot make any payments using your debit card.

If you are still relying on your personal bank account and in need of support, please contact us immediately. Visit ulsterbank.ie or call 0818 210 260. If you need extra support, call our Vulnerable Customer Line on 1800 656 001.

Ulster Bank is closing, and our team has begun to close current and deposit accounts. If your six month closure notice period has passed and your deadline has been reached, your account will be queued for closure. In line with Ulster Bank’s commitment to withdraw in an orderly manner, the Bank is commencing this process in a careful and controlled way, beginning with those whom Ulster Bank believes are no longer reliant on their accounts.

Once this happens, you will no longer be able to use your account, and cannot make or receive any payments on your account/s.

If you are still relying on your personal bank account and in need of support, please contact us immediately. Visit ulsterbank.ie or call 0818 210 260. If you need extra support, call our Vulnerable Customer Line on 1800 656 001.

Ulster Bank is closing, and our team has begun to close current and deposit accounts. If your six month closure notice period has passed and your deadline has been reached, your account will be queued for closure. In line with Ulster Bank’s commitment to withdraw in an orderly manner, the Bank is commencing this process in a careful and controlled way, beginning with those whom Ulster Bank believes are no longer reliant on their accounts.

Once this happens, you will no longer be able to use your account, and the payment will have been returned to the original creditor. Please contact the creditor to arrange the payment to another bank account. 

If you are still relying on your personal bank account and in need of support, please contact us immediately. Visit ulsterbank.ie or call 0818 210 260. If you need extra support, call our Vulnerable Customer Line on 1800 656 001.

For the first missed repayment there will be no impact on your credit rating as per the guidelines from the Central Bank of Ireland.  If you miss a payment through no fault of your own as part of switching bank accounts, and once the payments are again up to date this will not show on your credit report. 

There will be no impact on your credit rating for missed payments if it is as a result of your moving and switching your account to another provider. This means if you miss payments through no fault of your own as a result of switching bank accounts, and once they are set up again and are up to date, it will not show on your credit file. 

If you are not satisfied with any aspect of our service, you can tell us about your concerns in any of the following ways:

• Online - If you would like you can let us know what has gone wrong by completing our Online Complaint Submission Form at www.ulsterbank.ie
• By phone - To help us understand what has gone wrong and how we can help, some customers find it easier to talk through their issues. To talk to a member of staff, you can call us on 1800 200 162 or if calling from abroad 00353 1 709 2042
• In writing - Send a letter with details of your complaint, your account number and sort code to : Ulster Bank - Freepost, Customer Care, 3^rd Floor, Block B Central Park, Leopardstown, Dublin 18

Your access to Anytime Banking and Mobile App will not be affected. Only the account that has become non-operational will not be visible on online banking and mobile app. Any other accounts that remain open will continue to be visible.

Yes, you can continue to use your personal overdraft facility.           

NB: Any overdrawn balance(s) must be repaid in full prior to your account(s) being closed. It is important to note, if you rely on an overdraft facility you will no longer have access to the overdraft facility on your account(s) at the end of this notice period.

We are currently communicating directly with Current account holders via email/letter to provide up to six months advance notice to choose a new bank; move to that bank; and close your Ulster Bank account(s). You may have already received this notice, it is therefore important to note the date outlined in your letter.                                     

You may need to consider this when opening a personal account with your new provider. The new account and any application for an overdraft facility will be subject to the new providers terms and conditions.

If the overdrawn balance is not repaid in full prior to your account(s) being closed, your credit rating may be affected, and you may find it difficult to borrow money in the future. If you need support with repaying your overdrawn balance, are in financial difficulty, or are in a vulnerable situation we continue to be here to help you, please contact us on 0818 210 260 (00353 1804 7475 if calling from abroad).                   

Yes, you can reduce your personal overdraft facility limit upon request. Please note that you can no longer reduce an overdraft limit on the online Anytime / Mobile banking applications

Ulster Bank Ireland DAC is no longer accepting any new personal overdraft application requests.       

There are some exceptions for existing Customers to assist with personal emergency situations click here for more information. 

NB: Any overdrawn balance(s) must be repaid in full prior to your account(s) being closed. It is important to note, if you rely on an overdraft facility you will no longer have access to this on your account(s) at the end of this notice period.   We are currently communicating directly with Current account holders via email/letter to provide up to six months advance notice to choose a new bank; move to that bank; and close your Ulster Bank account(s). You may have already received this notice, it is therefore important to note the date outlined in your letter.                                                         

You may need to consider this when opening a personal account with your new provider. The new account and any application for an overdraft facility will be subject to the new providers terms and conditions.         

If you need support with repaying your overdrawn balance, are in financial difficulty, or are in a vulnerable situation we continue to be here to help you, please contact us on 0818 210 260 (00353 1804 7475 if calling from abroad) to discuss your options. 

Ulster Bank Ireland DAC is no longer accepting any new application requests from personal customers for this purpose.                                                                 

You may need to consider this when opening an account with your new provider. The new account and any application for an overdraft facility will be subject to the new providers terms and conditions.                           

NB: Any overdrawn balance(s) must be repaid in full prior to your account(s) being closed. It is important to note, if you rely on an overdraft facility you will no longer have access to this on your account(s) at the end of this notice period. You may need to consider this when opening an account with your new provider. The new account and any application for an overdraft facility will be subject to the new providers terms and conditions.

If you need support with repaying your overdrawn balance, are in financial difficulty, or are in a vulnerable situation we continue to be here to help you, please contact us on 0818 210 260 (00353 1804 7475 if calling from abroad) to discuss your options.

We are currently communicating directly with all personal current account holders via email/letter to provide up to six months advance notice to choose a new bank; move to that bank; and close your Ulster Bank account(s). You may have already received this notice, it is therefore important to note the date outlined in your letter.

NB: Any overdrawn balance(s) must be repaid in full by the end of this account closure notice period. It is important to note, if you rely on an overdraft facility you will no longer have access to the overdraft facility on your account(s) at the end of this notice period.

You may need to consider this when opening an account with your new provider. The new account and any application for an overdraft facility will be subject to the new providers terms and conditions.                                                                     

If the overdrawn balance is not repaid in full prior to your account(s) being closed, your credit rating may be affected, and you may find it difficult to borrow money in the future. If you need support with repaying your overdrawn balance, are in financial difficulty, or are in a vulnerable situation we continue to be here to help you, please contact us on 0818 210 260 (00353 1804 7475 if calling from abroad) to discuss your options.

• If you still need an account for the purpose of carrying out your duties as the Executor(s), you will need to make arrangements to open a new account with another provider and close the Executor Account.
• If you no longer require this account, you can request closure of this account now. 

You may need to provide additional information to us in order to close the account e.g., a form of ID or address verification. We will advise you of this when you request closure of the account. 

• Where there is a credit balance, we can transfer the funds to an account in the same name(s) and will require the BIC and IBAN of the new account.
• A cheque can be issued.
• You can choose to donate the funds to one of our chosen charities you can find more information at www.ulsterbank.ie/charitydonations. 

Here is a quick reference table outlining each item that is being removed for Personal Customers, the fee amount/interest rate prior to the removal and the scheduled date of removal:

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

Please note:

• All fees and surcharge interest listed in the above table are being removed permanently to support customers in their transition to a new Financial Provider. Fees and charges relating to the above products are listed in our Guide to Personal Accounts Fees and Interest brochure and our Schedule of Services Payment & International Banking Charges brochure.
• All other fees and charges not listed in the above table for removal will continue to apply, where applicable. 

Surcharge interest is the unauthorised overdraft interest that applies to balances over the limit in place on an account. It is applied to an account on a specific date each month. The next scheduled date for interest application is 09 September 2022 for interest accrued from 18 July 2022 – 21 August 2022. This means surcharge interest accrued up to and including 17 August 2022 will be deducted from accounts on 09 September 2022. After the 09 September 2022 no surcharge interest will be deducted if accrued on an unauthorised overdraft.

The interest rate remains unchanged. You will be charged the existing arranged Overdraft interest rate only, on the entire balance at the rate for your account type. Please refer to pages 11-13 of A guide to Personal Accounts Fees and Interest brochure for a list of the interest rates for each product.

Please see below quick reference table outlining the two possible overdrawn positions and Interest applicable after Surcharge Interest is removed on 18 August 2022: