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Ulster Bank reviews

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Rated Good 3.75/5

Ulster Bank reviews

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Unverified business
Last reviewed within 7 days

Review summary

People rate this company as Good based on 72 product reviews

Average score of 3.75/5
5 star
62%
4 star
17%
3 star
1%
2 star
1%
1 star
19%
Reviews for Ulster Bank have trended positively over the past 90 days

Latest positive rating

4/5

Competitive savings rates, challenging set up process

Recommendation from Martin Lewis website as providing very competitive interest rates for instant access accounts. Setting up the account proved to be a nightmare however... Recommendation from Martin Lewis website as providing very competitive interest rates for instant access accounts. Setting up the account proved to be a nightmare however and in stark contrast to pure online banking which is much slicker. Once I’d finally got the account set up, the process is very good (with a market leading interest rates) Read more Read less

Latest negative rating

1/5

The worst bank I have ever used.

The worst bank I have ever used. When I opened a savings account, it took many days before I could access the account (other banks... The worst bank I have ever used. When I opened a savings account, it took many days before I could access the account (other banks I have used usually allow almost instant access). I was repeatedly lied to about how long it would take for me to be able to deposit money - the customer service is terrible. When it came to getting money out the website wanted me to use a card (which I had not been given) with a card reader (which I had not been given). Trying to get help, I was again lied to repeatedly. The moronic chat app didn't have a clue what I was asking, then when I eventually spoke to a human they told me to ring someone to make a transfer. The person I rang was not able to do the transfer, and the person I communicated with via the chat app kept telling me to use the app. Eventually I gave in and downloaded the app, but even it does not let you access more than £750. The app is terrible - many features do not work, and several times the app reset and I had to start over. Easy-access bank accounts I have had with other banks allow easy transfer to your nominated bank account within the same day - it seems like I will be waiting until later next week before I can get access to my Ulster bank savings. Read more Read less

About Ulster Bank

Ulster Bank believe in giving back to the communities they serve, they do this in two ways: By helping staff play an active role in voluntary work, fundraising and community projects and giving financial support through their community investment programmes and sponsorship. Smart Money People is the place for Ulster Bank reviews. Read and write reviews to help increase trust and transparency in Financial Services.

Ulster Bank at a glance

Reviews for Ulster Bank

Showing 11 of 72 company reviews Last reviewed within 7 days

Competitive savings rates, challenging set up process

Instant Access Savings 11th February 2026

Recommendation from Martin Lewis website as providing very competitive interest rates for instant access accounts. Setting up the account proved to be a nightmare however... Recommendation from Martin Lewis website as providing very competitive interest rates for instant access accounts. Setting up the account proved to be a nightmare however and in stark contrast to pure online banking which is much slicker. Once I’d finally got the account set up, the process is very good (with a market leading interest rates) Read more Read less

Rated Good 4/5
Read more product reviews

Lucky to find Ulster bank savings account

Instant Access Savings 23rd January 2026

Lucky to find Ulster bank savings account with a top interest rate It was easy to set up and use

Rated Excellent 5/5
Read more product reviews
  • 4/5

    Never let down

    I have never had a time were I haven't been let down by there service. On the phone or at the counter of my local... I have never had a time were I haven't been let down by there service. On the phone or at the counter of my local branch...lot of people dread going into a bank but I know I will get satisfaction Read more Read less

  • 1/5

    The worst bank I have ever used.

    The worst bank I have ever used. When I opened a savings account, it took many days before I could access the account (other banks... The worst bank I have ever used. When I opened a savings account, it took many days before I could access the account (other banks I have used usually allow almost instant access). I was repeatedly lied to about how long it would take for me to be able to deposit money - the customer service is terrible. When it came to getting money out the website wanted me to use a card (which I had not been given) with a card reader (which I had not been given). Trying to get help, I was again lied to repeatedly. The moronic chat app didn't have a clue what I was asking, then when I eventually spoke to a human they told me to ring someone to make a transfer. The person I rang was not able to do the transfer, and the person I communicated with via the chat app kept telling me to use the app. Eventually I gave in and downloaded the app, but even it does not let you access more than £750. The app is terrible - many features do not work, and several times the app reset and I had to start over. Easy-access bank accounts I have had with other banks allow easy transfer to your nominated bank account within the same day - it seems like I will be waiting until later next week before I can get access to my Ulster bank savings. Read more Read less

  • 1/5

    They lost MY £1,100 wire transfer AGAIN!

    They lost MY £1,100 wire transfer AGAIN! Yet again Ulsterbank have lost an international transfer. This is not the first time. Check my reviews. They... They lost MY £1,100 wire transfer AGAIN! Yet again Ulsterbank have lost an international transfer. This is not the first time. Check my reviews. They are incapable of receiving international wires, despite my Investment bank in the US providing endless information, proof, and support on the matter. Unless you literally want thousands of pounds of your money to vanish into thin air with Ulsterbank doing absolutely nothing about it, then I would AVOID this bank! I made the mistake of staying with them, NEVER AGAIN! Read more Read less

  • 5/5

    No complaints great customer service

    No complaints great customer service

    {"display":"G F","full_name":"G F","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Step Account
    G F 2nd April 2025
  • 5/5

    Great account and never have an issue

    Great account and never have an issue

    {"display":"Jm53","full_name":"Jm53","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Standard Current Account
    Jm53 26th February 2025
  • 3/5

    Available but not suited for Great Britain

    Despite being the same bank as Natwest/RBS, their account opening forms were decades behind, very ugly and clunky. One with them the app and linked... Despite being the same bank as Natwest/RBS, their account opening forms were decades behind, very ugly and clunky. One with them the app and linked saving accounts were great. In time there was better options elsewhere so I decided to close my account. But I had opened the account from England. Natwest have limited powers over the account in branch. Over the phone I tried closing it, only to be told; could I go to Ireland to close the account... Eventually we closed the account via a handwritten letter to branch as advised by Natwest. Same as opening, it was clunky, but is a viable option for savers to get more than one reg saver. Read more Read less

  • 5/5

    Good interest rate

    Good interest rate on savings and a clear easy to use mobile app

  • 5/5

    Signing up was quick and easy.

    Signing up was quick and easy. I loved that I can do everything online. All of the information was clear and informative. Plus, the interest... Signing up was quick and easy. I loved that I can do everything online. All of the information was clear and informative. Plus, the interest rate on their savings account was one of the best on the market. Read more Read less

  • 5/5

    Very good.

    Very good. Very nice. Hello chicken nugget!

    Products from Ulster Bank

    Showing products offered by Ulster Bank

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