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Ulster Bank: Instant Access Savings reviews

Name: Instant Access Savings
Rating: 4.18 (11 reviews)

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3.66

Based on 11 reviews, last reviewed 11th Feb 2026

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

73%

3 star

2 star

18%

Latest highest rating:

4

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... Read more Reviewed on: 11th February 2026

Latest lowest rating:

1

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 I have used usually... Read more Reviewed on: 1st January 2026

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About this product

Ulster Bank savings reviews can help you to find out more about life at Ulster Bank. How easy is it to contact Ulster Bank? And how friendly are they? Our Ulster Bank savings reviews can help you to find out information like this. Smart Money People is an independent source of honest reviews.

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Ulster Bank Instant Access Savings reviews (11)

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 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) Reviewed on: 11th February 2026

Lucky to find Ulster bank savings account

Lucky to find Ulster bank savings account with a top interest rate It was easy to set up and use Reviewed on: 23rd January 2026

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 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. Reviewed on: 1st January 2026

Good interest rate

Good interest rate on savings and a clear easy to use mobile app Reviewed on: 14th April 2024

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 rate on their savings account was one of the best on the market. Reviewed on: 4th April 2024

Very good.

Very good. Very nice. Hello chicken nugget! Reviewed on: 6th March 2024

Better interest rates on easy withdrawal savings acc...

Better interest rates on easy withdrawal savings account Reviewed on: 18th February 2024

Can't be beaten

Loyalty saver is paying 5.2% and money is easily transferred in and out with no penalty Reviewed on: 15th February 2024

Excellent rate and a handy app, on the few occasions...

Excellent rate and a handy app, on the few occasions I have needed to speak to them it has always been easy Reviewed on: 30th January 2024

TOP RANKING RUBBISH CUSTOMER SERVICE

It would be hard to have worse customer service from a bank. The Ulster Bank has gone way and beyond ordinary lousy service. Over the two months the bank has been unable to rectify their own error in deleting my access to withdrawing funds, ie. they deleted my linked account, or for some reason the withdrawal system does not work as it should. I have been told that I need a card and card reader. I have been told that this account does not have a card and card reader. So far the bank has plonked £50 and £80 into my account for the lack of service they have given me. This week they wrote to say that they understand my complaint but that I can order a card reader online. And hey! did the complaints person actually look at anything? Clearly not. I decided to phone on the complaints telephone number in the complaints response. I waited for the call to be answered for 2hours and 20 minutes. Every 30 seconds the loop tape apologises and says their staff are busy, please thank you for waiting. Dream on. The complaints department closes at 6pm. Bboom. Bboom. It was 6pm when I gave up. I have written now to the CEO. She's clearly busy not looking into customer service as I haven't heard a peep. Next step: will write again to the CEO and give her a final warning. Should that fail, then I send all this to the Ombudsman. Reviewed on: 15th December 2023

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