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Youth banking made easier

Banking for young people

What type of account are you looking for?

Adapt bank account Open in new window
Student | Graduate accounts Open in new window
Savings account Open in new window
MoneySense Open in new window

Adapt bank account

Designed to give an easy introduction to everyday banking.

  • Contactless Debit Card as standard
  • Anytime Internet Banking and access to our mobile app
  • No overdraft  (so no charges for going overdrawn)
Information Message

Available to UK residents aged 11-17. Customers aged 11-15 must apply with a parent or guardian who has an Ulster Bank current account.

View Adapt account Open in new window

Additional bank accounts

We also offer additional bank accounts to suit your needs

Information Message

Specific account eligibility criteria applies.

 

Student Account

Student accounts are changing.

  • Student accounts will now be provided by NatWest.
  • No monthly fee.

 

Specific account eligibility criteria applies.

Information Message

View Student account Open in new window
Reward Silver bank account Reward Silver bank account

Graduate Account

Your account graduates with you.

If you have an existing Ulster Bank Student account, we'll automatically switch it to a Graduate account for you.

Within July and August of the year of your graduation, we will change your Student account to a Graduate account. We will notfiy you at least 60 days before we do this.

Information Message

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Looking to save for a child?

We're not currently offering children's savings accounts. 

Can I open a savings account for a child?

We're not currently offering children's savings accounts. If you're still interested in saving you can take a look at our adult savings range by clicking on the link below, including our instant access Loyalty Saver.

Specific account eligibility criteria applies.

Adult savings accounts Open in new window

What is the Loyalty Saver savings account?

Loyalty Saver is an adult instant access savings account. You could earn:

  • On balances between £1 - £4,999 earn 1.75% AER/Gross p.a. (variable)
  • On balances £5,000 and over earn 4.50% AER/Gross p.a. (variable)
  • No deposit needed

You must be 16+ and a UK resident and hold an Ulster Bank current account to apply for our Loyalty Saver.

View Loyalty Saver Open in new window

Already have a urfirst savings account?

If you already have an existing urfirst savings account with Ulster Bank, click the link below for information on how to manage your account. 

You can manage your account on the go with our mobile app or Anytime Banking.

Manage your savings Open in new window

MoneySense

MoneySense provides financial education for young people delivered through an online portal available to parents, secondary school teachers and students. The education we deliver is not linked to the services we offer, it’s simply sharing our knowledge and expertise.

There are two portals to access MoneySense:

See the MoneySense FOR SCHOOLS website, An interactive, curriculum linked programme designed to give 11-18 year olds the skills to manage their money.

Also, see our MoneySense FOR PARENTS website Designed to help parents equip their children with essential money management skills.

Financial Services Compensation Scheme

Your eligible deposits held by a UK establishment of Ulster Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

See FSCS Protecting Your Money (PDF, 3.7 MB) for more information about the scheme and how it protects your money.