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Select - our everyday bank account

Easy, everyday banking and no monthly fee

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.

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?

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.

How to open a bank account online

It's simple to apply for a bank account online with Ulster. And you could get an instant decision. Here's how to get started:
  1. Check your eligibility
    Our Select account is for UK residents aged 18+. 
  2. Gather your details
    We might need to verify your identity when opening a bank account 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. Open your bank account online 
    Got everything you'll need? You're now ready to apply for a current account online.

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

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.

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

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. 

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.
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.

Here's a few steps to get started

If you're already using a device with the Ulster Bank app, select the 'Start application' button below. 

You will need the most up to date version of the app, to make changes to your account. 

To open a new account: 

  1. Once logged in to the app, choose 'Apply' and then current accounts. 
  2. Then choose what type of account you would like to open.

To change your account type or switch into your existing account: 

  1. Once logged in, click into the account you wish to change or switch.
  2. Choose either the 'Change my account type' or 'Switch my account' option. 

Can't scan the QR code?

 

Do you have Ulster Bank Anytime Banking?

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 follow the below.

To open a new account: 

  1. Select 'Current accounts' from 'Our Products'.
  2. Choose the account you want to apply for and complete your application. 

To change to a different account type or to switch in your existing account: 

  1. Choose the account you wish to change or switch, click 'Account details'. Then choose either the 'Switch to us form' or review the section 'Want to change to a different type of current account?' to begin your application. 

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.

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 follow the below.

To open a new account: 

  1. Select 'Current accounts' from 'Our Products'.
  2. Choose the account you want to apply for and complete your application. 

To change to a different account type or to switch in your existing account: 

  1. Choose the account you wish to change or switch, click 'Account details'. Then choose either the 'Switch to us form' or review the section 'Want to change to a different type of current account?' to begin your application. 

Forgotten your Anytime Banking details?

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

How to download and apply via the app

First, download the app:

  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 and follow the below. 

To open a new account:

  1. Once logged in to the app, choose 'Apply' and then current accounts. 
  2. Then choose what type of account you would like to open.

To change to a different account type or to switch into your existing account: 

  1. Click into the account you wish to change or switch, then select 'Change my account type' or 'Switch my account' to begin your application. 

Can't scan the QR code?

Available on selected devices.