This comparison simply includes all savings accounts.
Ulster Bank Savings Accounts
Why we like it: Balances from £1,000 to £1 million. Unlimited withdrawals without restriction or loss of interest. Eligible deposits covered by UK FSCS.
Why we like it: Make up to three withdrawals during the 12-month term of this account. Open with £1. Manage your account online. Interest paid at maturity. FSCS Protected. Must be UK resident and aged 16 or older. Make more than three withdrawals and the rate drops to 0.01% AER/gross p.a. (variable). Not available in branch
Why we like it: Which? Recommended Savings Provider. No notice period. Deposit from £100. Interest paid monthly or annually. Apply in minutes. Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services. Compensation Scheme (FSCS)
Why we like it: Unlimited withdrawals subject to 95 days notice.
Why we like it: Save from £5,000 to £500,000. No additional deposits or withdrawals permitted. FSCS Protected
Why we like it: MARKET LEADING. Save from £5,000 to £500,000. No additional deposits or withdrawals permitted. FSCS Protected
Why we like it: MARKET LEADING. Save from £5,000 to £500,000. No additional deposits or withdrawals permitted. FSCS Protected
Why we like it: Which? Recommended Savings Provider. Save from £1,000 to £1,000,000. No withdrawals before the end of the term. Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)
Why we like it: Which? Recommended Savings Provider. Save from £1,000 to £1,000,000. No withdrawals before the end of the term. Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)
Why we like it: No minimum monthly funding or monthly fee to maintain the account. Earn up to 15% cashback with Retailer Offers. Stress-free account switching in 7 days with the Current Account Switch Service. £300 ATM withdrawal per day, Arranged Overdraft facility (subject to status). Online and Mobile Banking with text and email alerts. Must be 18 or older and live in the UK permanently. 39.94% EAR overdraft charge. Bank is registered with the Financial Services Compensation Scheme (FSCS), so any money you keep will be fully protected, up to £85,000
Why we like it: *2.00% interest for 12 months on balances up to £1,500 for the first year. You must pay in £1,000 or more each month to receive interest (excluding transfers from any Nationwide account held by you or anyone else). 12 month fee-free arranged overdraft available. No monthly fee. Access to Flexclusives - Select Credit Card and low personal loan rate. Must be aged 18 or older
Why we like it: Earn 0.30% AER (variable) interest on balances up to a maximum of £20,000. Up to 3% CASHBACK on various household bills. Monthly fee of £5. Cashback capped at £5 for each cashback tier each month. Must pay in £500 pm.
Compare Ulster savings accounts
Ulster Bank offers various accounts targeted at different kinds of savers. Knowing which is best for you means being clear about your own financial situation and saving goals. See below for a selection of saving accounts.
Current Accounts
A current account may well offer you the best return on relatively small amounts of money.
If there is too much money in your current account, you will generally get a better return by moving it to a different kind of account.
Instant Access Savings Accounts
Ulster bank eSavings currently offers a market leading instant access account of 1.25% AER/Gross pa (variable) which can be accessed online, by telephone or via a mobile app.
If you want to a deposit a lump sum while retaining the option to add to it later or take money out when you need it, an instant savings account may be best. There are normally no fees or penalties for adding and removing funds, although there may be an annual limit on how often this can be done.
Many instant access accounts allow you to take money out at cash points, making them especially convenient. You will normally also be able to make online and phone transfers when you need to.
Fixed Rate Bonds
If you have a lump sum that you don’t need to use any time soon, a fixed rate bond can offer very good returns. The headline advantage is that you get a guaranteed rate of interest for a set period (often 1-5 years), although you cannot normally touch your money until that period expires.
The longer the life of the bond, the better interest rate you will usually get. Some providers may allow you to make early withdrawals but this will usually incur a penalty in the form of lost interest.
Cash ISAs
ISAs allow you to avoid paying tax on the interest you earn from the money deposited in them. This can make a very significant difference to the return you earn, especially if you are a higher rate tax payer. The amount you can deposit is set annually by the government and is £20,000 for 2017/18.
You main options with an ISA are instant access and fixed term accounts. An instant access cash ISA gives a variable rate of interest, but lets you add and take away funds whenever needed. You will get a higher rate with a fixed term cash ISA and this rate will be guaranteed for a set period, but you cannot take money out or put more in during the lifetime of the account.
Find the best Ulster Bank savings account for you
Using our savings account comparison table, above, you can see exactly what the best deals currently on the market have to offer you. These deals are frequently updated to reflect the best value we can find from across the industry, so make sure to check back regularly to stay up-to-date.
