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Select - our everyday bank account

  • You could get £200 when you switch your current account held elsewhere to a Select account.
Current account switch guarantee logo

Offer criteria and T&Cs apply. To apply, you need to be 18+ and a UK resident.

£200 switch offer with Select

This offer is available to new and existing customers who did not hold an Ulster Bank current account on 26 May 2026.

How to get £200

1. Open a current account and switch to us

  • Apply for and open a Select account.
  • Log in to mobile or online banking to request and complete a full switch to us from another bank using the Current Account Switch Service.

2. Within 60 days of switching

  • Pay in £1,250 - This can be made of multiple payments and must remain in the account for 24 hours.
  • Log in to our mobile app - This can be done on any device that supports the Ulster Bank mobile banking app.

3. You're all set

  • When you've met these conditions, we'll pay £200 into your eligible account within 30 days.
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Switch offer terms (PDF, 55 KB)

Current Account Switch Guarantee (PDF, 39KB)

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

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Offer T&Cs and restrictions apply. You won’t be eligible if you or anyone on the account has previously received a NatWest Group cash switch incentive, or if you’re switching an account from NatWest Group (NatWest or Royal Bank). This offer may be changed, replaced, or withdrawn at any time. 

Our simple, everyday bank account

Eligible for Switch offer.

No monthly fee.

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).

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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More on Emergency Cash Open in new window

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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More on mobile app Open in new window

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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You'll be able to switch your old account once your new account's opened. 

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.

You'll be able to apply for an arranged overdraft once your new account's opened (subject to eligibility). 

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.
Open a current account Open in new window

Get ready to apply

Please take your time to read the product information and make sure this Select account is right for you.

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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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?

 

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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 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. 
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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 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. 
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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:

  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.

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Download app