Preferential overdraft rates

You can ask for a higher overdraft limit above the Buffer Limit at our special rate of 10.96% a year variable (11.5% EAR typical (variable) ^{see note 1}) available only to ufirst account customers. If you go over your arranged Buffer Limit, we will charge interest on the full amount of the overdrawn balance, including the Buffer Limit. (see note 2)

If you would like a higher overdraft limit, please speak to your branch.

Or

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The rates of interest are better than for our Standard Current Account and Current Plus Account.

¹ The Effective Annual Rate (EAR) is the real annual cost of an overdraft, shown as an annual rate, which takes into account how often interest is charged to the account. All other charges, such as arrangement fees, will be shown seperately from the EAR.

² Overdraft is repayable on demand. The overdraft facility may not be exceeded without the prior permission of Ulster Bank. If you exceed your overdraft limit, we will charge interest at the rate stated in our "A Guide to Personal Accounts Fees and Interest" brochure. A Maintenance Charge and other charges may also apply. Please ask in branch for details.

We may need security and whether we provide the overdraft depends on your circumstances and our conditions. Over 18s only, subject to credit scoring criteria. Residents of Northern Ireland only.

If you close or downgrade your ufirst Current Account you will no longer be entitled to this benefit.