U First Gold Account - Ulster Bank

U First Gold Account

Ulster Bank
0 % AER
Headline Interest Rate
X
Switching bonus
  • Overdraft facility
  • Customer rating: 3.56 (out of 5)
  • Monthly charge £ 10.00*
  • Minimum Monthly Credit: £ 0
    • Open by:

This account may be appropriate for you if

  • You are older than 18

Switching bonus

Member of Current Account Switching Service: No
Switching Bonus Conditions: Not applicable.
Match Current Overdraft Offer: Yes

Credit Interest

Annual Interest Paid By Balance:
BalanceAnnual Interest Paid
£ 5000 %
£ 1,0000 %
£ 5,0000 %
£ 10,0000 %
£ 25,0000 %
Headline Interest Rate: 0 % AER
Monthly Reward: £ 0

Overdrafts

Cost of Authorised Overdraft:
ScenarioCost
£ 250 overdrawn by 5 days£ 0
£ 500 overdrawn by 10 days£ 0
£ 1,000 overdrawn by 30 days£ 12
Overdraft Available: Yes
Authorised Overdraft Rate: 15.94 % (equivalent to 1.24 % per month)
Unauthorised Overdraft Rate (APR/EAR): Unauthorised drafts not permitted
Interest Free Overdraft: First £ 500 is interest free
Overdraft Fees Apply From: £ 15 overdrawn
Cost of Unauthorised Overdraft: £20 per month
Cost of £100 Overdraft Breach for 10 Days: £ 20

Payment options

ATM Card
Cheque Book
Passbook
Debit CardVisa
Standing Order
Direct Debits

Access and usage

Banking by
Bank
Post
Phone
Internet
Maximum ATM Withdrawal: £ 500

Perks

Prepaid card
Home emergency cover
Extended warranty cover
Airport lounge access
Preferential travellers money rates
Preferential travellers cheque rates
Free life insurance
Free home insurance
Free car insurance
Breakdown cover
Voucher and discount deals
Entertainment deals
Mobile phone cover

Charges

Monthly Fee: £ 10
Potential Monthly Fee - extra info: 0.00
Charges for Unpaid Items: None
Charges for Paid Items: £ 15
Maximum Charges for Paid Items (Over Credit Limit): £ 60 per month

Cost Abroad

ATM Charge Europe: £ 2 when withdrawing the equivalent of £ 100
ATM Charge World: £ 2 when withdrawing the equivalent of £ 100
Debit Card Charge Europe: £ 1
Debit Card Charge World: £ 1

Additional Charges

Charge for Replacement Statement: £ 0
ATM Withdrawal Charge: £ 0
Bankers Draft Charge: £ 15
Special Clearance Charge: £ 13
Charge For Cheque Receipts: £ 1
Bankers Reference Charge: £ 10
CHAPS Charge: £ 25
Charges For Cancelled Cheques: £ 8

Moneywise Best Buys

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Customer ratings

About the bank

  • Protection Scheme: This account is covered by the Financial Services Compensation Scheme.
  • Banking Licence Held By: Ulster Bank Ltd