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Select - our everyday bank account

Easy, everyday banking and no monthly fee

Explore our Select bank account

About this account Open in new window
Features and benefits Open in new window
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Our simple, everyday bank account

Easily use our mobile banking app.

Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Debit Card. Limits apply.

Arranged overdraft available (subject to eligibility).

No monthly fee.

To apply, you need to be 18+ and a UK resident. Lending criteria, terms and conditions apply.

Account features

Emergency Cash Service

If your debit card is lost or stolen we will cancel your card and let you withdraw up to £300 from our ATMs if you're an Anytime Banking customer, or up to £60 if you're not.

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Mobile Banking

Our mobile app is simple, clever and easy to use - you can even use it to withdraw cash from our ATMs and make payments to friends and family using just their mobile number (limits apply). App available to customers with Anytime Banking using compatible iOS and Android devices and a UK or international mobile number in specific countries.

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Thinking of switching your bank account to us?

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Current Account Switch Service work?

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How does the Switch process work?

Step 1 

The Current Account Switch Service will contact your old bank and they confirm if the switch can go ahead

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Step 2 

Your new account will then be set up and your payments, like your salary and bill payments will be moved across.

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Step 3 

We talk to your old bank about transferring your balance over. On day 7 your balance will then be transferred and your old account will be closed. And that's your switch complete!

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Overdraft details

How do overdrafts work?

It's important for you to understand how we use and share your information. Please read the short summary below before you continue with your application.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

What you need to open an account

If you're applying online, we may ask to see a passport, a Northern Ireland/UK/Republic of Ireland driving licence or an EU/EEA National ID Card.

If you don't have these available, don't worry. You can still apply online and we will ask you to provide other forms of ID and proof of address that we can accept either in branch or by post.

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Get ready to apply

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

are aged 18 or over and a UK resident.

How do I get additional support with my banking?

Banking My Way is a free service that allows you to record information about the support or adjustments you need to make banking easier. You can also let us know any additional support you may need to ensure all of our colleagues are aware of this. The information will be shared on our internal systems and therefore you will not need to repeat these requirements every time you interact with us.

Once your account is open, you can record this through Anytime Banking or with our colleagues in branches or over the phone.

Learn more about Banking My Way

Now please take a look at the important legal info

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Anytime Banking - not posted. Please take some time to review, print and/or save the important information.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured

All okay? Apply for a bank account online today.

To speed up your application for our Select account, we need to do a few final checks with you. They'll only take a minute.

Continue
Do we already know you?
If you have a current account, credit card, loan or savings account with Ulster Bank please let us know.
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What would you like to do today?
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You're all set

Your application will be completely online, and you won't need to post us any information or visit a branch.

  1. Tell us a bit about yourself and we’ll set up your account.
  2. We might need to verify your identity when you apply online. We’ll do this by matching your Photo ID to a selfie of you. You’ll need a device with a camera to upload these. We might also ask for other information like proof of address. If you don’t have your ID to hand, you can finish this step later.
  3. Our partner Mitek will then check your identity by matching you to your Photo ID. Your Photo ID must be a Passport, UK or EU/EEA Driving Licence or an EU/EEA National ID card. We might also ask for a valid proof of address. If you don't have your ID to hand you can finish this step later.
  4. Once they’ve confirmed your identity we’ll activate your account.

Please note, a partial switch does not qualify for any switch incentives we may offer. 

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Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to do to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account.
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open.
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Joint account opening
Do you have our app on a mobile device?
You can apply using either the mobile app or Anytime Banking. The mobile app is easier and quicker as we can prefill some of your information.
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Great, let's get started

Just a heads up, you'll need to take a few steps to start your application.  

  1. If you're already using a device with the Ulster Bank app, select the 'Start application' button below. Using a desktop? Simply scan the QR code with your mobile device that has the Ulster Bank app.
  2. Once logged in, select 'Current Accounts'. 
  3. Then choose what type of account you would like to open, change or switch to, and follow the instructions within app to start your application. 

Can't scan the QR code?

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Start your application
Do you have Ulster Bank Anytime Banking?
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Log in to Anytime Banking

  1. Enter your customer number or 16-digit card number to get started.
  2. You'll then need to enter your Anytime Banking PIN and password.
  3. Once you're logged in, select 'Current accounts' from the product list.
  4. Finally, choose the account you want to apply for and complete your application.
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Log in now

Let’s get you signed up for Anytime Banking

You’ll need to sign up for Anytime Banking with us in order to apply for a Select account. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Ulster Bank Debit Card, if you have one.

Once you’ve registered, select ‘I am now signed up’ to log in and apply for a Select account.

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I am now signed up

Log in to Anytime Banking

  1. Enter your customer number or 16-digit card number to get started.
  2. You'll then need to enter your Anytime Banking PIN and password.
  3. Once you're logged in, select 'Current accounts' from the product list.
  4. Finally, choose the account you want to apply for and complete your application.
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Log in now

Forgotten your Anytime Banking details?

If you've forgotten your log in details, don't worry, select 'Reset Anytime Banking details' for further instructions.

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Reset Anytime Banking details

How to download and apply via the app

First, download the app, then:

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. Follow the link that pops up to download the app.
  3. Use your details to log in, then select ‘Apply’ at the bottom of the app.

Can't scan the QR code?

Available on selected devices.

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Start your application