Ulster Bank

Customer FAQs

If you're an Ulster Bank customer, we're here to support you

Please find below Frequently Asked Questions (FAQs) for Ulster Bank customers whose loans are intended to transfer to PTSB, as well as general FAQs on our products for all Ulster Bank personal and business customers.

Personal Banking FAQs

Will my Ulster Bank Current Account transfer automatically to PTSB?

Your Ulster Bank Current Account will not transfer automatically to PTSB as current accounts are not included in the transaction agreement. However, PTSB welcomes the opportunity to look after all of your every day banking needs.

We also offer all Ulster Bank personal customers an easy-to-use digital current account opening process via the PTSB app. The app is available to download from the app store by searching PTSB. Click here to find out more.


Customers can also open an account in one of our nationwide branches. To make an appointment, or for any other queries, contact the PTSB team directly on our dedicated customer information line on 0818 837 408 / 01 212 4022.

Our team are contactable Monday-Friday 9am-5pm (Excluding Bank Holidays), and Saturday and Sunday 10am-2pm. Please see our website for our Bank Holiday opening hours.

How do I open a Current Account with PTSB?

PTSB offers all Ulster Bank personal customers an easy-to-use digital current account opening process via the PTSB App. The app is available to download from the app store by searching PTSB. Click here to find out more.

Customers can also open an account in one of our nationwide branches. To make an appointment, or for any other queries, contact the PTSB team directly on our dedicated customer information line on 0818 837 408 / 01 212 4022. Our team are contactable Monday-Friday 9am-5pm (Excluding Bank Holidays), and Saturday and Sunday 10am-2pm. Please see our website for our Bank Holiday opening hours.

Can I open a joint Current Account with PTSB?

Yes, you can open a joint personal current account in one of our branches nationwide.
Click here to find out more about our Current Account offering and switching process.
To make an appointment, or for any other queries, contact the PTSB team directly on our dedicated customer information line on 0818 837 408 / 01 212 4022. Our team are contactable Monday-Friday 9am-5pm (Excluding Bank Holidays), and Saturday and Sunday 10am-2pm. Please see our website for our Bank Holiday opening hours.

When do I need to switch my current account to PTSB if I choose you as a provider?

If you are an Ulster Bank Current Account customer, while there is no immediate action required of you, PTSB welcomes you to switch your Current Account to us at any stage. The first step in switching is to open a PTSB Current Account. Click here to find out more about our Current Account offering and switching process.

How do I switch my current account to PTSB?

The first step in switching is to open a PTSB Current Account. If you want to avail of our switching service please see here for more information on what we can help you with and the items you will have to complete, for example, transfer of your salary. Our Switch team will help you to identify the best date/time to switch your account.

Do I need to make an appointment to switch my Current Account?

There are a number of options available to you for switching your Current Account to PTSB:
1. You can open your account in-app and when you receive your “Welcome” email this will provide further information on how you can switch your account with our Switch Team.
2. You can open your account in-app and if you decide to complete the process, once you have your IBAN and new debit card number, you can then change any subscriptions, Direct Debits and any incoming credits that you have.
3. You can make an appointment with your local branch where your branch advisor will open your current account and go through your documents and provide copies to our Switch team who will assist you with the switching process.
Find out more here about what is involved in switching your account and what steps we can help you with.

What documents do I require to switch my current account?

Please click here to view the documents you require to switch your account.

What documents do I require to open a current account?

Please click here for more information on suitable documents which can be used to open a current account. You will need to provide both photo identification and proof of address.

What type of personal current accounts do PTSB offer?

PTSB offer a wide variety of current accounts to suit all customer needs. Find out more here.

What charges apply to PTSB Current Accounts?

To view our schedule of fees and charges for our range of current accounts, please click here.

What are the fees associated to PTSB’s Explore Current Account?

Please see our Terms & Conditions and Personal & Business Banking Charges booklet for more information.

What happens to my Ulster Bank Current Account if I do nothing?

Ulster Bank have announced a phased withdrawal from the Republic of Ireland. While there will be no immediate impact ot your current account with Ulster Bank, you will need to find alternative banking arrangements and Ulster Bank will write to you in due course.
While current accounts are not included as part of the transaction agreement, PTSB welcomes the opportunity to look after all of your every day banking needs. Click here to find out more about our Current Account opening and switching process.

Do my Direct Debits transfer automatically when I switch my account?

During the switching process, your old bank will contact the companies you pay by Direct Debit, and will advise them of your new Current Account details, although there may be occasions where you will need to contact companies to ensure they have updated your payment details. If you hold a Direct Debit with any companies outside of the State, or if you pay subscriptions via your Debit Card, you will need to contact these companies and give them your new account/card details. Find out more here.

Do I need to notify my employer if I switch my current account?

Yes. For regular payments you are in receipt of, such as salary or social welfare payments, you need to complete a 'Credit Transfer Form', and send it to the relevant individuals/companies that pay into your account so that they are aware of your new bank account details. Find out more here.

I have a Deposit Account with Ulster Bank. Can I switch my deposit account to PTSB?

Our deposit accounts experts are happy to assist you in opening a new deposit account with PTSB. Visit our Find a Branch page for the location of your closest branch and for branch contact information.

To view our range of deposit options, please click here.

What deposit account rates does PTSB offer?

Please click here to view our deposit products and rates.

I have a personal loan with Ulster Bank. Do I need to reapply for this facility or can I switch it without proving repayment ability?

Yes, if you wish to move your term loan to PTSB you will have to apply for the loan facility with PTSB which will require an application. Lending criteria, terms and conditions will apply. Your application will be subject to affordability assessment. For more information on Term Loan products available please click here.

What personal loan products does PTSB offer?

Please click here to view our personal loans products and rates.

I have a credit card with Ulster Bank. Can I switch my credit card to PTSB?

Yes, you can switch your credit card to PTSB. You will need to apply for a new PTSB Visa Credit Card and we can then complete a balance transfer to clear your previous credit card. Once Balance Transfer is complete, you will have to contact Ulster Bank to request closure of your Credit Card. You'll enjoy a great introductory offer on balance transfers and purchases with PTSB. Find out more here.

What Credit Card products does PTSB offer?

Please click here to view our Credit Card products.

I am a minor/student/jubilee customer with Ulster Bank. Do PTSB offer a similar product?

PTSB currently offer banking for minor/student/jubilee customers. Proof of your student status is required. For more information on our Current Account products please click here.

How can I apply for an Overdraft with PTSB?

The first step in applying for an Overdraft is to open a Current Account. Click here to find out more about our Current Account opening and Overdraft application process.

Saving and Investing

Will my Ulster Bank Deposit Account transfer automatically to PTSB?

Your Ulster Bank Deposit Account will not transfer automatically to PTSB as Deposit Accounts are not included in the transaction agreement. However, PTSB welcomes the opportunity to look after all of your savings and investment needs.
Customers can open a Deposit Account in one of our nationwide branches. To make an appointment, or for any other queries, contact the PTSB team directly on our dedicated customer information line on 0818 837 408 / 01 212 4022. Our team are contactable Monday-Friday 9am-5pm (Excluding Bank Holidays), and Saturday and Sunday 10am-2pm. Please see our website for our Bank Holiday opening hours.

How do I open a Deposit Account with PTSB?

PTSB offers all Ulster Bank Deposit Account customers the opportunity to open an account in one of our nationwide branches. PTSB also has a variety of Deposit Accounts available online which you can open once registered for Open24 online banking.
Click here to find out more about our Deposit Account offering.
To make an appointment, or for any other queries, contact the PTSB team directly on our dedicated customer information line on 0818 837 408 / 01 212 4022. Our team are contactable Monday-Friday 9am-5pm (Excluding Bank Holidays), and Saturday and Sunday 10am-2pm. Please see our website for our Bank Holiday opening hours.

Can I open a joint Deposit Account with PTSB?

Yes, you can open a joint Deposit Account in one of our branches nationwide.
Click here to find out more about our Deposit Account offering.
To make an appointment, or for any other queries, contact the PTSB team directly on our dedicated customer information line on 0818 837 408 / 01 212 4022. Our team are contactable Monday-Friday 9am-5pm (Excluding Bank Holidays), and Saturday and Sunday 10am-2pm. Please see our website for our Bank Holiday opening hours.

When do I need to move my Deposit Account to PTSB if I choose you as a provider?

If you are an Ulster Bank Deposit Account customer, while there is no immediate action required of you, PTSB welcomes you to move your Deposit Account to us at any stage. The first step in moving is to open a PTSB Deposit Account through one of our branches or online if you are an existing customer and registered for Open24 online banking. Click here to find out more about our Deposit Account offering. 

What documents do I require to open a Deposit  Account?

Please click here for more information on suitable documents which can be used to open a Deposit Account. You will need to provide two copies of both photo identification and proof of address.

What type of Deposit Accounts does PTSB offer?

PTSB offers a wide variety of Deposit Accounts to suit all customer needs. Find out more here.

Is PTSB covered by the Government Deposit Guarantee scheme?

Yes, PTSB is covered under this scheme. Please click here for full information on the Deposit Guarantee scheme.

I have a Deposit Account with Ulster Bank. Can I move my Deposit Account to PTSB?

Our Deposit Accounts experts are happy to assist you in opening a new Deposit Account with PTSB. Visit our Find a Branch page for the location of your closest branch and for branch contact information.

To view our range of deposit options, please click here.

What Deposit Account rates does PTSB offer?

Please click here to view our Deposit Account products and rates.

Business Banking FAQs

I’m an Ulster Bank business current account customer, what can PTSB do for me?

If you are an Ulster Bank business current account customer, Ulster Bank will write to you in due course to advise of you of next steps.

At PTSB, we provide supportive and convenient banking services to suit you and your business needs. Our Business Current Account allows you to manage your business’s daily banking easily with low maintenance fees. Find out more here.

What other financial services do PTSB offer Business Customers?

We offer a range of day-to-day banking services, as well as long term financial options to suit your business needs. Find out more here.

Will my Ulster Bank Business Current and Deposit Account transfer automatically to PTSB?

Your Ulster Bank Business Current and Deposit Account will not transfer automatically to PTSB as Current accounts and Deposit accounts are not included in the transaction agreement. However, PTSB welcomes the opportunity to look after all of your business banking needs. Customers can open a Current or Deposit Account in one of our nationwide branches.

To make an appointment, or for any other queries, contact our Business Banking team directly on our dedicated customer information line on 0818 200 100 or 01 215 1363. Our team are contactable Monday-Friday 9am-5pm (Excluding Bank Holidays), and Saturday and Sunday 10am-2pm. Click here for more information.

How do I open a Business Current Account with PTSB?

If you are a Sole Trader, Partnership or a Limited Company, you can apply for a Business Current Account through our online application process. However, our team are on standby to assist any business type with switching or opening a new Business Current Account, so call us today to set up an appointment on 0818 200 100 or 01 215 1363. Our team are contactable Monday-Friday 9am-5pm (Excluding Bank Holidays), and Saturday and Sunday 10am-2pm. Click here for more information.

What documents do I require to open a Business Account?

Depending on your Business Banking needs, you will need to provide some supporting documentation to us when opening your Business Current account. Click here to find out more.

How do I switch my Business Current Account to PTSB?

The first step in switching is to open a Business Current account. If you are a Sole Trader, Partnership or a Limited Company, you can apply for a Business Current Account through our online application process. However, our team are on standby to assist any business type with switching or opening a new Business Current Account.

Call us on 0818 200 100 or +353 1 215 1363 to book an appointment in your local branch to open your account. Once your account is up and running, we can start your switch together. 

Click here to start the process of opening your Business Current Account.

How do I submit my account opening documents?

You can open an account and submit any relevant documentation in one of our nationwide branches. To make an appointment, or for any other queries, contact our Business Banking team directly on our dedicated customer information line on 0818 200 100 or 01 215 1363. Our team are contactable Monday-Friday 9am-5pm (Excluding Bank Holidays), and Saturday and Sunday 10am-2pm. Please see our website for our Christmas and other Bank Holiday opening hours. Click here for more information.

What type of Business Deposit Accounts does PTSB offer?

PTSB offers Business customers a Fixed Term Deposit Account. To open a Business Deposit Account, you can book an appointment now or call our Business Banking Team directly on our dedicated customer information line on 0818 200 100 or 01 215 1363. Our team are contactable Monday-Friday 9am-5pm (Excluding Bank Holidays), and Saturday and Sunday 10am-2pm. Click here for more information.

How can PTSB support my Everyday Business Banking needs?

At PTSB, we provide supportive and convenient banking services to suit you and your business needs. Our Business Current Account allows you to manage your business’s daily banking easily with low maintenance fees. Find out more here.

Does PTSB charge a subscription fee to use it's Online Banking Services for Business customers?

No, we do not charge a subscription fee.

What digital banking services does PTSB offer to Business customers?

PTSB offers a range of services to Business customers via our online business banking platform, Business24. Business24 gives you access to your accounts 24/7. Log on from your desktop, laptop or tablet and enjoy the range of self service banking options designed to save you time. Click here for more information.


PTSB does not currently offer a mobile banking app for Business customers, however we are always reviewing our service offering to support our customer's needs.

How long will it take to switch a Business Current account?

Your old bank will complete the switching process within 10 working days of the Switch Start Date and we'll stay in touch with you every step of the way to keep you up to date with what's going on. Alternatively, You take control and switch your account at a time that suits you. Please click here for more information on switching.

Does PTSB offer a Business Credit Card?

At PTSB, we regularly review our proposition to ensure we are meeting our customers needs. While we don't currently offer a Business Credit Card, we constantly review our cards proposition. We do offer a Business Debit Card with our Business Current Account which offers you convenience and added security.

What charges apply to PTSB Business Current Accounts?

To view our schedule of fees and charges for our Business Current Account, please click here.

Does PTSB offer the same SEPA payment service as Ulster Bank?

Yes, PTSB is part of the Single European Payment Area (SEPA). Under SEPA rules, timeframes for the processing of payments within the SEPA area are standardised once all the required transaction information is provided.

Does PTSB offer a payroll payment service?

Our Bulk Payment facility allows you to pay bulk credit transfers or collect bulk direct debits. Credit transfers can include paying wages or payments to suppliers and collection of bulk direct debits can include collecting subscriptions and membership fees. This service is provided through our partner Sentenial. Click here for more information.

Does PTSB offer foreign exchange services?

For more information on Foreign exchange services, please click here.

Does PTSB offer the same cash and cheque lodgement services as Ulster Bank?

Ulster Bank Business Current Accounts will not transfer automatically to PTSB as Business Current Accounts are not included in the transaction agreement. Should Ulster Bank customers wish to apply for a Business Current Account they will be able to avail of the cash and cheque lodgement services that PTSB offers. Click here for more information.

What is the process for returning cheques unpaid, including fees and charges?

For more information on day to day banking services, please click here or contact our Business Banking team directly on our dedicated customer information line on 0818 200 100 or 01 215 1363. Our team are contactable Monday-Friday 9am-5pm (Excluding Bank Holidays), and Saturday and Sunday 10am-2pm. Click here for more information.

General FAQs About PTSB

Why should I join PTSB?

At PTSB, we have a wide range of banking options for all of life's stages and our team are here to support you. We now have more ways to bank than ever before. Whether you like to bank online, in-app or in-branch, we have the options to support you. Find out more about the reasons to join us here.

Does PTSB have an online, in-app and telephone banking offerings?

We now have more ways to bank than ever before. Our extensive branch network is supported by our Contact Centre Team, mobile banking app and online banking. Our online banking platform, Open24, lets you manage your day-to-day banking and accounts right from the palm of your hand via the PTSB App or through Open24.ie. Find out more about the ways to bank with us here.

I have accounts with both PTSB and Ulster Bank. Will my Ulster Bank accounts transfer to PTSB automatically?

Ulster Bank personal and business customers, whose loans are intended to transfer as part of this announcement, do not need to take any action now and Ulster Bank will write to you in due course to advise of you of next steps.
If you are an Ulster Bank current account customer, Ulster Bank will also write to you in due course to advise of you of next steps. It is also important to note that your account will not automatically transfer to PTSB. PTSB will however offer all Ulster Bank personal customers an easy-to-use account opening process that will allow customers to apply for a PTSB personal current account in minutes and you can find out more here about the benefits of opening a current account with us here.

What are PTSB's Contact Centre opening hours?

Customers can contact the PTSB team directly on our dedicated customer line on 0818 837 408 / 01 212 4022. Our team are contactable Monday-Friday 9am-5pm (Excluding Bank Holidays) and Saturday and Sunday 10am-2pm.

Please see our website for our Bank Holiday opening hours. You can access all self-service functionality 24/7 through open24.ie, our mobile app or our automated telephone service on 0818 502 424.

Branch Banking FAQs

Which Ulster Bank Branch locations are PTSB acquiring?

Subject to regulatory approval, PTSB will acquire 25 branch locations from Ulster Bank. You can find out the specific branches in our recent press release here.

My Ulster Bank Branch is being acquired by PTSB. Can I leave my Current Account as is or do I need to Switch?

If you are an Ulster Bank Current Account customer, Ulster Bank will write to you in due course to advise you of next steps. It is important to note that your account will not automatically transfer to PTSB.
While current accounts are not included as part of the transaction agreement, PTSB welcomes the opportunity to look after all of your every day banking needs. Click here to find out more about our Current Account opening and switching process.

My Ulster Bank Branch is closing and not being acquired by PTSB. Can I still switch my current account and / or deposit account to PTSB?

If your branch is not one of the locations PTSB is acquiring, we are still here to support and welcome you as a customer. Find out more about the reasons to join us here.

What services are provided in PTSB branches?

Our nationwide network of branches offer automated cash facilities, a range of digital banking options, and appointments with our experienced team in-branch who are there to support you through your financial decisions. Find out more about our Branch Banking Services here. Visit our Find a Branch page if you're looking for the location of a Branch or ATM and for Branch contact information.

Where can I find details of Branch opening Hours?

Our branch opening hours are from 10.00 am – 5.00 pm, Monday to Friday. Cash desks in full-service branches are open from 10.00 am to 3.00 pm, Monday to Friday. Visit our Find a Branch page if you're looking for the location of a Branch or ATM and for Branch contact information.

Do PTSB operate branches in Northern Ireland or do they have an associated sister bank in the North?

PTSB are currently operational in the Republic of Ireland and at present have no affiliation to any other banks in Northern Ireland.

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