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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.
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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

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  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.