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Ulster Bank (Northern Ireland) rates: up to 17.29% APR

bank · FRN 121878 · www.ulsterbank.co.uk

Easy access

ProductTerm / tierRateBasisRecordedHistoryChange
Easy Access closed to new customers£1+ 1.00%AER2026-11-01 since 2026-11-01
Limited Edition Saver Issue 1 closed to new customers£1 - £4,999 1.00%AER2026-11-01 since 2026-11-01
Limited Edition Saver Issue 1 closed to new customers£5,000 - £3,000,000 · bonus · bonus 4.25%AER2026-11-01 since 2026-11-01
Limited Edition Saver Issue 2 closed to new customers£1 - £4,999 1.00%AER2026-11-01 since 2026-11-01
Limited Edition Saver Issue 2 closed to new customers£5,000 - £3,000,000 · bonus · bonus 4.25%AER2026-11-01 since 2026-11-01
Limited Edition Saver Issue 3 closed to new customers£1 - £4,999 1.00%AER2026-11-01 since 2026-11-01
Limited Edition Saver Issue 3 closed to new customers£5,000 - £3,000,000 · bonus · bonus 4.30%AER2026-11-01 since 2026-11-01
Loyalty Saver£1 - £4,999 1.00%AER2026-11-01 since 2026-11-01
Loyalty Saver£5,000+ 3.50%AER2026-11-01 since 2026-11-01
Private Reserve closed to new customers£1 - £9,999 1.00%AER2026-11-01 since 2026-11-01
Private Reserve closed to new customers£10,000+ 3.51%AER2026-11-01 since 2026-11-01
Special Interest Deposit Account closed to new customers£1 - £15,000 1.25%AER2026-11-01 since 2026-11-01
Special Interest Deposit Account closed to new customers£15,001+ 1.00%AER2026-11-01 since 2026-11-01
urfirst£1+ 1.60%AER2026-11-01 since 2026-11-01

Cash ISAs

ProductTerm / tierRateBasisRecordedHistoryChange
Cash ISA£1 - £24,999 1.15%AER2026-11-01 since 2026-11-01
Cash ISA£25,000+ 2.45%AER2026-11-01 since 2026-11-01
Help to Buy: ISA closed to new customers£1+ 1.60%AER2026-11-01 since 2026-11-01

Current accounts

ProductTerm / tierRateBasisRecordedHistoryChange
Adapt Accountfixed 1.60%AER2026-11-01 since 2026-11-01

Overdrafts

ProductTerm / tierRateBasisRecordedHistoryChange
Graduate7264 · interest-free up to £1500 0%EAR2026-11-01 since 2026-11-01
Graduate not on page at last checkinterest-free up to £1500 0%EAR2026-11-01 since 2026-11-01

Business loans

ProductTerm / tierRateBasisRecordedHistoryChange
Small Business Loan£5000 · 12 months · fixed 13.86%APR2026-11-01 since 2026-11-01
Small Business Loan£10000 · 12 months · fixed 12.57%APR2026-11-01 since 2026-11-01
Small Business Loan£15000 · 12 months · fixed 12.57%APR2026-11-01 since 2026-11-01
Small Business Loan£20000 · 12 months · fixed 12.18%APR2026-11-01 since 2026-11-01
Small Business Loan£25000 · 12 months · fixed 12.18%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£5000 · 12 months 17.29%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£10000 · 12 months 13.94%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£15000 · 12 months 13.94%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£20000 · 12 months 13.94%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£25000 · 12 months 13.94%APR2026-11-01 since 2026-11-01
Small Business Loan£5000 · 24 months · fixed 13.86%APR2026-11-01 since 2026-11-01
Small Business Loan£10000 · 24 months · fixed 12.57%APR2026-11-01 since 2026-11-01
Small Business Loan£15000 · 24 months · fixed 12.57%APR2026-11-01 since 2026-11-01
Small Business Loan£20000 · 24 months · fixed 12.18%APR2026-11-01 since 2026-11-01
Small Business Loan£25000 · 24 months · fixed 12.18%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£5000 · 24 months 14.16%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£10000 · 24 months 12.42%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£15000 · 24 months 12.42%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£20000 · 24 months 12.42%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£25000 · 24 months 12.42%APR2026-11-01 since 2026-11-01
Small Business Loan£5000 · 36 months · fixed 13.86%APR2026-11-01 since 2026-11-01
Small Business Loan£10000 · 36 months · fixed 12.57%APR2026-11-01 since 2026-11-01
Small Business Loan£15000 · 36 months · fixed 12.57%APR2026-11-01 since 2026-11-01
Small Business Loan£20000 · 36 months · fixed 12.18%APR2026-11-01 since 2026-11-01
Small Business Loan£25000 · 36 months · fixed 12.18%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£5000 · 36 months 13.08%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£10000 · 36 months 11.90%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£15000 · 36 months 11.90%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£20000 · 36 months 11.90%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£25000 · 36 months 11.90%APR2026-11-01 since 2026-11-01
Small Business Loan£5000 · 48 months · fixed 13.92%APR2026-11-01 since 2026-11-01
Small Business Loan£10000 · 48 months · fixed 12.63%APR2026-11-01 since 2026-11-01
Small Business Loan£15000 · 48 months · fixed 12.63%APR2026-11-01 since 2026-11-01
Small Business Loan£20000 · 48 months · fixed 12.24%APR2026-11-01 since 2026-11-01
Small Business Loan£25000 · 48 months · fixed 12.24%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£5000 · 48 months 12.77%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£10000 · 48 months 11.85%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£15000 · 48 months 11.85%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£20000 · 48 months 11.85%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£25000 · 48 months 11.85%APR2026-11-01 since 2026-11-01
Small Business Loan£5000 · 60 months · fixed 13.92%APR2026-11-01 since 2026-11-01
Small Business Loan£10000 · 60 months · fixed 12.63%APR2026-11-01 since 2026-11-01
Small Business Loan£15000 · 60 months · fixed 12.63%APR2026-11-01 since 2026-11-01
Small Business Loan£20000 · 60 months · fixed 12.24%APR2026-11-01 since 2026-11-01
Small Business Loan£25000 · 60 months · fixed 12.24%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£5000 · 60 months 12.44%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£10000 · 60 months 11.69%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£15000 · 60 months 11.69%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£20000 · 60 months 11.69%APR2026-11-01 since 2026-11-01
Ulster Variable Rate Business Term Loan£25000 · 60 months 11.69%APR2026-11-01 since 2026-11-01

Sources and evidence

PageLast capturedLast resultDigest
openapi.ulsterbank.co.uk/open-banking/v2.2/personal-current-accounts2026-11-01 11:22 UTC ok0d80fb02e880
openapi.ulsterbank.co.uk/open-banking/v2.2/unsecured-sme-loans2026-11-01 11:22 UTC ok31a8dae883e5
www.ulsterbank.co.uk/savings/manage-your-savings/Interest-Rates-FCA.ht2026-11-01 12:01 UTC ok0c8f70f36d6d