Ulster Bank (NI) U First Private Account
Compare the Ulster Bank (NI) U First Private Account with the UK's best current accounts, including application criteria, incentives, facilities, overdraft, rates and fee & charges.
 |  Compare Ulster Bank (NI) U First Private Account details directly with other current accounts or compare current accounts using our current account comparison tables. | ||
| Company: | Ulster Bank (NI) www.ulsterbank.com | ||
| Product: | U First Private Account | ||
| Apply via this site: | Not available | ||
| Application Criteria | |||
 Minimum income: | A minimum income of £75000 is required or a joint income of £100,000 or savings of £100,000 with Ulster bank. | ||
| Minimum Monthly Credit: | There is no minimum monthly credit. | ||
| Minimum Investment: | The minimum investment required to open this account is £1. | ||
| Maximum Investment: | Unlimited | ||
| Minimum Age: | The minimum age is 18 years. | ||
| Maximum Age: | Unlimited | ||
| Existing Customer Only: | This account is not only available to existing customers. | ||
| Area Restrictions: | There are no area restrictions | ||
| Transfer Assistance: | A switching service is available. | ||
| Incentives | |||
| Account Promotions: | - Loan discounts - Exclusive mortgage offers - exclusive savings account - commission free travel money - worldwide family travel insurance - Mobile Phone Insurance - Hotel Discounts - Restaurant discounts - Flight and holiday discounts - Events discounts - Lifestyle manager | ||
| Incentive Cashback £: | This incentive is not available with this account. | ||
| Incentive Moneyback: | This incentive is not available with this account. | ||
| Incentive Pref Rate/Deals: | Discounted personal loans. Exclusive mortgage offer. Exclusive savings account, with preferential rates. | ||
| Incentive Disc/Vouchers: | Restaurant discounts. Discounts on event bookings. | ||
| Incentive Breakdown: | This incentive is not available with this account. | ||
| Incentive Protection: | There are no incentives of this type offered. | ||
| Incentive Other Insurance: | This incentive is not offered with this account. | ||
| Incentive Savings Sweep: | This incentive is not available with this account. | ||
| Incentive Currency: | Commission free foreign currency. | ||
| Incentive Other: | There are no other incentives offered. | ||
| Facilities | |||
| Internet Banking: | Internet banking available. | ||
| Branch Banking: | This account can be operated through a branch. | ||
| Telephone Banking: | Telephone banking is available. | ||
| Post Office Banking: | Transactions cannot be made at a Post Office. | ||
| Standing Orders: | A standing order facility is available | ||
| Direct Debits: | A direct debit facility is available | ||
| BACS Transfers: | Electronic/Telegraphic transfer service is available | ||
| CHAPS Transfers: | Electronic/Telegraphic transfer service is available. | ||
| Bill Payment Service: | Bill payment service is available with internet banking. | ||
| Statement Frequency: | Statements are issued monthly. | ||
| Min Additional Deposit: | Unlimited | ||
| Minimum Withdrawal: | Unlimited | ||
| Withdrawal Restrictions: | Withdrawal Conditions - None. | ||
| ATM Card: | An ATM card is available | ||
| ATM Mini Statements: | Mini statements are available through the ATM | ||
| Max ATM Withdrawal: | The maximum ATM withdrawal is £300.00. | ||
| Cheque Book: | A cheque book is available | ||
| Cheque Guarantee Card: | A cheque guarantee card of up to £100 can be issued. | ||
| Cheque Clearance Time: | Funds from deposited cheque available for withdrawal 3 working days after the funds have been deposited. | ||
| Debit Card: | A Maestro card is available. | ||
| Debit Card Type: | A Maestro card is available. | ||
| Passbook: | A passbook is not provided with this account. | ||
| Text Messaging Events: | Text message alerts are available. | ||
| Text Mini Statements: | Text message mini statements are not available. | ||
| Travel Ins Winter Sport: | This incentive is not offered with this account. | ||
| Overdraft | |||
| Overdraft Facility: | Overdraft facilities are available subject to status. | ||
| Interest Free O/D Limit: | There is no interest free overdraft limit. There is an automatic interest free overdraft buffer of £250. | ||
| Automatic O/D Facility: | There is no automatic overdraft facility. There is an automatic interest free overdraft buffer of £250. | ||
| Overdraft Buffer Limit: | An interest free overdraft buffer of £1000 is available with this account, | ||
| Overdraft Arrangement Fee: | There is no overdraft arrangement fee. | ||
| Auth O/D Rate-APR/EAR: | The authorised overdraft EAR is 9.10%. | ||
| Mthly Auth O/D Charge: | There is no monthly authorised overdraft charge. | ||
| Unauth O/D Rate-APR/EAR: | The unauthorised overdraft EAR is 21.70%. | ||
| Mthly Unauth O/D Charge: | There is a monthly unauthorised overdraft charge of £30. | ||
| Overdraft Letter Charge: | There is no charge for an overdraft letter. | ||
| Rates | |||
| Headline Interest Rate: | The headline interest rate is 1.51% AER. | ||
| Rate Guarantee: | There are no interest rate guarantees. | ||
| Introductory Bonus: | No introductory bonus payable. | ||
| Amount of Bonus: | The bonus amount is - 0% | ||
| Open-ended Bonus: | No open-ended bonus payable. | ||
| Non Standard Tiers: | Gross Rate Gross Rate AER Excluding Bonus Including Bonus £1 0.10% 0.50% 0.50% £5,000 0.50% 0.50% 0.50% £25,000 1.00% 1.00% 1.00% £50,000 1.50% 1.50% 1.51% | ||
| Gross AER - £1/£50: | 0.10% | ||
| Gross AER - £500: | 0.10% | ||
| Gross AER - £1,000: | 0.10% | ||
| Gross AER - £2,500: | 0.10% | ||
| Gross AER - £5,000: | 0.50% | ||
| Gross AER - £10,000: | 0.50% | ||
| Gross AER - £25,000: | 1.00% | ||
| Gross AER - £50,000: | 1.51% | ||
| Gross AER - £100,000: | 1.51% | ||
| Interest Payment Freq: | Interest is paid monthly. | ||
| Interest on Withdrawal: | Interest ceases to be calculated on funds withdrawn from the account the same day as they are withdrawn. | ||
| Int Added to Account: | Interest can be added to the account | ||
| Interest Paid by Cheque: | Interest cannot be paid by cheque or warrant | ||
| Int Paid to Bank A/c: | Interest cannot be paid to a bank account | ||
| Int Paid to Other A/c: | Interest cannot be paid to another account | ||
| Int After Cash Deposit: | Interest is calculated on cash deposited into account the same day as it is deposited. | ||
| Int After Cheq Deposit: | Interest is starts to be calculated on a cheque paid into the account 3 working days after the cheque has been deposited. | ||
| Int After BACS Deposit: | Interest starts to be calculated on a BACS deposit the same day as it is deposited. | ||
| Interest Variant: | No | ||
| Max Balance High Interest: | Unlimited | ||
| Fee & Charges | |||
| Free Banking: | There is a monthly account maintenance charge. | ||
| Monthly Charge: | The monthly charge is £25.00. | ||
| Standing Order Charge: | There is no charge for payment of a standing order. | ||
| S/O Setting Up Charge: | There is no charge for setting up a standing order. | ||
| S/O Amendment Charge: | There is no charge for amending a standing order. | ||
| S/O Cancellation Charge: | There is no charge for cancelling a standing order. | ||
| Unpaid S/O Charge: | The charge for an unpaid standing order is £30.00. | ||
| Direct Debit Charge: | There is no charge for payment of a direct debit | ||
| Debit card charge Europe: | A flat fee of £0.75 per item will be made for all debit card payments abroad. | ||
| D/D Setting Up Charge: | There is no charge for setting up a direct debit. | ||
| D/D Amendment Charge: | There is no charge for amending a direct debit. | ||
| D/D Cancellation Charge: | There is no charge for cancelling a direct debit mandate. | ||
| Unpaid D/D Charge: | The charge for an unpaid direct debit is £30.00. | ||
| CHAPS Charge: | The charge for Electronic/Telegraphic transfers is: £6 Inwards £25 Outwards | ||
| Stopped Cheque Charge: | A charge of £8 is made for a stopped cheque. | ||
| Unpaid Cheque Charge: | The charge for an unpaid cheque is £30.00. | ||
| Transaction Charge: | No charge is made for standard banking transactions on this account. | ||
| Unauth Transaction Fee: | A Paid Referral fee of £30.00 per item (max £90 per calendar month) is charged for each item Ulster Bank choose to pay but which results in unarranged overdraft. There is a Card Misuse fee of £30 if the customer uses their debit card or cheque card when there are insufficient funds in the account. The Paid Referral Fee fee will not be applied if the customer has incurred a Card MIsuse Fee or an Unpaid charge on the same day. | ||
| ATM Withdrawal Charge: | There is no ATM withdrawal charge. | ||
| ATM charge Europe: | A transaction fee of 2.25% of the transaction value (minimum £2, maximum £5) is payable on each cash withdrawal. | ||
| A/c Transfers Int. Free: | There is not an interest free overdraft offered with transferred accounts | ||
| Bankers Draft Charge: | The charge for a bankers draft is £15. | ||
| Bankers Reference Charge: | Bankers reference charge/status enquiry - £10 plus VAT | ||
| Copy Cheque Charge: | Cheque retrieval charge of £1 per cheque, for requests of 10 or more. | ||
| Duplicate Stat Charge: | The charge for duplicate statements is £7 per page. | ||
| Special Clearance Charge: | The charge to specially clear a cheque is £13. For telephone fate £5. | ||
| Forex fee % Europe: | For all foreign currency transactions, undertaken at a cash machine other than an Ulster Bank Servicetill, there is a foreign exchange fee equivalent to 2.65% of the transaction value. | ||
| Other Charges: | Bank Report for Audit Purposes - minimum charge £27.50 Certificate of Balance/Debit Interest - £8.00 Duplicate Certificate of Balance/Interest - £10.00 Night Safe Facilities - £20 per half-year per wallet Safe Keeping: - Envelope - £21 per annum + VAT - Box/parcel - £60 per annum + VAT | ||
| Compare | |||
| Products: | www.ulsterbank.com Current Accounts | ||
