Ulster Bank ufirst Gold Account

cson · 01-10-2013 11:31AM #1

Well folks,

Thought I might pass this on as it may be useful to some of you. Considering that most banks these days are charging fees or making you jump through hoops to get free banking I think this product offers a decent alternative. Main benefits below;

For €14 a month for the Gold Account;

- 'Free' banking (I know its not exactly free at €14 a month but bear with me for the below benefits that essentially make it free!)

- €1,000 interest free overdraft (need to apply in branch for this)

- 25% back on all Ticketmaster purchases up to 4 tickets per event

- Free Phone insurance (€95 excess)

- Free Worldwide Travel Insurance (No limits on number of trips, includes Snow Holidays)

- 10% off travel bookings made with the site (excludes Ryanair but includes almost all other carriers, plus hotels, car hire etc)

There's other stuff in there, 20% at some limited amount of restaurants in the ROI, membership of an Airport Lounge programme (still costs €24 a go), your own Concierge, preferential Mortgage/Personal loan rates, death insurance etc.

Basically I think you'd save the €168 over the year - I saved €42 booking Rugby tickets there alone. The phone insurance (granted the excess is not ideal but you're covered up to €1250 in value) would save most people €10 a month and the travel insurance would be anything to €40-€80 too if bought separately.

Definitely think there's value there.

ballooba · 01-10-2013 11:37AM

You get two of everything (nearly everything) if it's a joint account.

Trend Setter in Training · 01-10-2013 12:50PM

As a further FYI that I just found out - If you work for Apple or a number of other big companies (Multi-national & Indigenous) then you qualify for the ufirst account free of the monthly charge (as long as your wages are paid into the account)

Del007 · 01-10-2013 01:02PM

Trend Setter in Training wrote: »

As a further FYI that I just found out - If you work for Apple or a number of other big companies (Multi-national & Indigenous) then you qualify for the ufirst account free of the monthly charge (as long as your wages are paid into the account)

Have you a link for the companies?

thecheese · 01-10-2013 01:05PM

Trend Setter in Training wrote: »

As a further FYI that I just found out - If you work for Apple or a number of other big companies (Multi-national & Indigenous) then you qualify for the ufirst account free of the monthly charge (as long as your wages are paid into the account)

Do you have a list of these exempt companies by any chance?

jmorrisey · 01-10-2013 01:23PM

thecheese wrote: »

Do you have a list of these exempt companies by any chance?

+1

WildCardDoW · 01-10-2013 01:36PM

Also would like to see this list!

cson · 01-10-2013 01:42PM

Maybe ask your employers folks?

I doubt any employer would appreciate their Corporate Benefits being circulated on Social Meeja.

keith_d99 · 01-10-2013 01:57PM

Been on this for a couple of years and it's great value.
I was paying €13 a month in mobile insurance alone.

And if you use ticketmaster enough - you can profit from it!

25% back (up to 4 tickets) - Money lands back in your current account less than a week after buying the tickets

WildCardDoW · 01-10-2013 02:02PM

Maybe ask your employers folks?

Stop being logical!

cruhoortwunk · 01-10-2013 02:12PM

The standard ufirst account is just a tenner a month, and has most of the same benefits:
http://www.ulsterbank.ie/roi/personal/daily-banking/current-accounts/extra-benefit-accounts/ufirst.ashx

Travel insurance is Europe instead of world and it doesnt have the preferential overdraft rate, and 'preferential mortgage rates' but apart from that it's the same benefits

Cabaal · 01-10-2013 02:20PM

Essentially if you are with ulster these extra's actually cost you 10e a month, as Ulster now charge 4e a month as "bank charges".

So factor that in and its not that bad, especially if you take trips out of Ireland maybe twice a year or you want phone insurance.

deadl0ck · 01-10-2013 03:25PM

Just an FYI in case people don't know: If you have home insurance you can get phone insurance included on it for about 15 Euro per year

Kenny Powers · 01-10-2013 03:27PM

Are there catches with the phone insurance? The small print for gadget insurance etc says you must purchase your phone in ROI.

I got my phone from the UK will ulster cover this?

stimpson · 01-10-2013 03:35PM

If you claim on your home insurance for a smartphone expect your premiums to jump next year.

Hank Moody · 02-10-2013 04:16PM

deadl0ck wrote: »

Just an FYI in case people don't know: If you have home insurance you can get phone insurance included on it for about 15 Euro per year

Whats the excess on this?

deadl0ck · 02-10-2013 04:20PM

Think mine is 100 Euro

Time · 02-10-2013 05:34PM

Del007 wrote: »

Have you a link for the companies?

A list wouldn't be any good to you anyway, when i signed up for this i needed a letter on headed paper signed by a specific person along with a payslip. It was also only available at a specific branch.

ballooba · 02-10-2013 06:08PM

Time wrote: »

A list wouldn't be any good to you anyway, when i signed up for this i needed a letter on headed paper signed by a specific person along with a payslip. It was also only available at a specific branch.

I wonder what size company does it need to be, can I get my employers signed up seeing as they bank with Ulster too and are part of a large multinational.

Thegalwayman · 04-10-2013 12:09PM

Thank you for contacting uFirst Gold Membership Services.

uFirst Gold Membership Services are available to assist with any queries regarding the non-financial aspects of your uFirst Gold. Any queries regarding your financial information would need to be directed towards your bank.

For your information the General Banking Contact Telephone Number for Ulster Bank is 1850 424 365.

We apologise for any inconvenience caused.

paddyjoe183 · 25-11-2013 10:14PM

Trend Setter in Training wrote: »

As a further FYI that I just found out - If you work for Apple or a number of other big companies (Multi-national & Indigenous) then you qualify for the ufirst account free of the monthly charge (as long as your wages are paid into the account)

Any idea how to find out what companies are included in this?

Thanks
J

Trend Setter in Training · 26-11-2013 09:16AM

paddyjoe183 wrote: »

Any idea how to find out what companies are included in this?

Thanks
J

Not sure to be honest, I only found out when I went into UB and they asked for a payslip!

Maybe if you ask UB they might tell you but have never seen a list myself.

terencemc · 26-11-2013 09:50AM

Can someone post up the limits of the cover of the travel insurance? I've looked at their website but you must be a member to see what it is...

whomitconcerns · 26-11-2013 10:07AM

all on their website. direct link to info

http://www.ulsterbank.ie/documents/roi/ufirstgold_user_guide.pdf

terencemc · 26-11-2013 10:32AM

I've looked through that - it does not give you the amounts you are covered for and the categories which you are covered for - anyone?

whomitconcerns · 26-11-2013 10:37AM

interesting the UK doc gives the full details (p65) http://www.ulsterbank.co.uk/documents/NI/ufirstgold_user_guide.pdf

But the irish one doesnt...of course the cover could be completely different re UK

RickyBobby1 · 26-11-2013 11:01AM

We have a joint account, I wonder do we pay extra then?
We will probably go with the ten euro one

ballooba · 26-11-2013 11:50AM

paddyjoe183 wrote: »

Any idea how to find out what companies are included in this?

Thanks
J

Companies which have on-site banking with Ulster Bank.

RickyBobby1 wrote: »

We have a joint account, I wonder do we pay extra then?
We will probably go with the ten euro one

No extra cost.

whomitconcerns · 26-11-2013 11:53AM

currently ufirst and just spent 20mins on phone trying to get an answer on this as i was thinking of upgrade too. Eventually found out 12.5M for medical expenses, 3750 for cancellation/curtailment and 2000 for baggage.

thats better then I get with getcover for 60€ so Im off.

26-11-2013 12:07PM

The travel deals do you have to ring them and they quote you for flights or how does it exactly work

DavyD_83 · 26-11-2013 12:12PM

I'm on the basic uFirst at the moment;
Also means you get reduced interest rates on loans or mortgage from Ulster.

Must look into this Gold Upgrade and see if it would be worth it. Sounds like the travel insurance alone would be worth the extra €4 a month. Joint account too, so need to check if insurance covers both parties.

Ulster Bank ufirst Gold Account

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