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    • streamidkhow
    • By streamidkhow 16th Sep 19, 11:42 PM
    • 1Posts
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    streamidkhow
    Moving back to England.. need advice on bank account?
    • #1
    • 16th Sep 19, 11:42 PM
    Moving back to England.. need advice on bank account? 16th Sep 19 at 11:42 PM
    Hi MSE,

    I'm moving back to the UK after being away since my very-young years. I'm 18 and looking for advice on what bank to go with and what type of account. Currently, I'm with Ulster Bank here in Ireland but they said that my account doesn't carry over to the UK, so I just need to be pointed in the right direction as to who to go with.

    Cheers!
Page 1
    • colsten
    • By colsten 16th Sep 19, 11:53 PM
    • 11,029 Posts
    • 10,318 Thanks
    colsten
    • #2
    • 16th Sep 19, 11:53 PM
    • #2
    • 16th Sep 19, 11:53 PM
    You can use your Ulster account in the UK, not least since they are part of the RBS Group. You probably just wouldn't be able to use all the Branch services - although you should be able to get support in RBS or Natwest Branches. I have held an Ulster Bank account for years, and I haven't even ever set foot in Northern Ireland. EDIT: Sorry, I probably wrongly assumed you meant NI.

    Having said this, you could possibly pocket a switch bonus if your Ulster account is a current account. In any case, it's worth reading this: https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/
    Last edited by colsten; 17-09-2019 at 7:50 AM.
    • xylophone
    • By xylophone 16th Sep 19, 11:56 PM
    • 31,371 Posts
    • 19,449 Thanks
    xylophone
    • #3
    • 16th Sep 19, 11:56 PM
    • #3
    • 16th Sep 19, 11:56 PM
    Are you able to open a sterling current account with Ulster Bank?
    • eDicky
    • By eDicky 17th Sep 19, 7:29 AM
    • 4,933 Posts
    • 3,032 Thanks
    eDicky
    • #4
    • 17th Sep 19, 7:29 AM
    • #4
    • 17th Sep 19, 7:29 AM
    When you have a UK address available to receive the debit card by mail, I suggest you open an account with the mobile-only Starling Bank.

    In addition to the GBP account they offer an additional euro account, which would be useful if you need to move Ulster Bank euros to GBP with only 0.4% margin on the interbank rate.

    https://www.starlingbank.com

    Later when you're more established in UK you can open accounts with other banks as needed.
    • VXman
    • By VXman 17th Sep 19, 9:09 AM
    • 7 Posts
    • 1 Thanks
    VXman
    • #5
    • 17th Sep 19, 9:09 AM
    • #5
    • 17th Sep 19, 9:09 AM
    Ulster Bank have a UK arm. I have a savings account with them worth asking if you can transfer over.
    • 18cc
    • By 18cc 17th Sep 19, 1:23 PM
    • 1,834 Posts
    • 1,351 Thanks
    18cc
    • #6
    • 17th Sep 19, 1:23 PM
    • #6
    • 17th Sep 19, 1:23 PM
    I would recommend Monzo - app only, open it on your smartphone.
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