Student account
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Existing customers
Explore your Student and Graduate Ulster account
Student account features
App available to customers aged 11+ with a compatible iOS and Android devices and a UK or international mobile number in specific countries.
We no longer offer new student overdrafts. This means you can no longer apply for a new overdraft, or increase the limit on an existing overdraft. If you've already got an Ulster Bank overdraft, don't worry - it won't change.
Medical Elective Loan
If you're a QUB medical student, you can apply for up to £15,000 to fund your elective studies. An element of the loan may also be used to fund your final year.
You must begin to repay the loan within 12 months of graduating and complete payments within 5 years, or you can delay repayment for up to 2 years.
Elective loans are available to existing customers (subject to credit review and approval).
Your student account graduates with you
Just use your card, online banking and mobile app as usual. We’ll switch your account from student to graduate automatically.
Prior to the account switch, you should receive an email or letter detailing:
- The changes to your account
- The date of the switch.
Ready to start saving?
Life is full of big moments, and putting money aside regularly could help you be ready. But there’s no one-size-fits-all, you might:
- Need fast access to your cash
- Be looking for better interest rates on your nest egg
- Have spare cash and looking to save for a longer term.
Whatever the goal we could have an Ulster Bank Savings Account for you. Specific account eligibility critieria apply.
Find the right account for you
If you'd prefer one of our other accounts, you can change your current account online. It's quick and easy to change.
- View our current account range. Specific account eligibility criteria apply. Monthly fees may apply.
- After choosing your preferred account option, follow the steps to apply for that account.
- When applying, make sure to choose the ‘change my existing account’ option and complete the application form.
Book a financial health check
Whether you're on top of your finances or feel like you've been burying your head in the sand, we're here to help.
Our free Financial Health Check is a review of your personal finances, giving helpful hints, tips and ideas to help you get financially fitter both now and in the future.
You can complete an online review in under 5 minutes. If you’d rather speak to someone, you can book a video appointment or arrange to speak to someone over the phone or in a branch. These appointments usually last around one hour.
Graduate Loan
Request a Graduate Loan of up to £5000 (subject to approval. Lending criteria, terms and conditions apply).
You must begin to repay the loan within 12 months of graduating and complete payments within 5 years. You can delay the repayment for up to 2 years if you are going on to further studies.
We do not provide graduate loans for the purpose of leisure travel.
Student and Graduate FAQ's
Make sure 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.