Our award winning Graduate Account.

The First Trust Bank Graduate Account has been awarded four stars for our unique benefits we offer you to give you the head start that you need.

--------------------Start of Accordion Container---------------------------

Click on edit button to enter Accordion Header

Features and benefits

  • --------------------Start of Accordion---------------------------

    Three year account package with no monthly maintenance fees during the term of the account

    The Graduate Account and associated benefits are valid for a maximum of three years from the date you open your account either as a new account or by conversion of your existing First Trust Bank Student+ Account.

     

    However, you may have to pay support fees for certain services. Please see our price list for more details.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    An interest-free overdraft of up to £1,000 (subject to status)

    The first £1,000 of any arranged overdraft (subject to status) will be interest-fee (0% EAR variable).  This is not an automatic overdraft and you must apply if you require one.

     

    There is no fee for arranging or using the agreed overdraft whilst you hold the Graduate Account.

     

    The amount sanctioned will depend on your financial circumstances and your ability to pay back the money. You must be 18 or older and be in full-time employment to apply. For full details, or for a written quotation, please contact us.

     

    *EAR stands for equivalent annual rate and does not include any extra charges (for example arrangement fees) that may apply.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    No commission charge for foreign currency

    You will not pay any commission charges on foreign currency transactions such as, buying or selling cash or lodging a foreign currency cheque to your account. 

     

    For more information on the foreign currencies we offer and how to place an order, please click here.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    Easy access to your money with our Visa debit card

    A Visa debit card allows you to make purchases and withdraw money from your bank account worldwide*. You can use your card in shops, at cash machines and online wherever Visa Debit is accepted. You can also check your balance at any First Trust Bank or AIB cash machine.

     

    *Charges may apply for using your card abroad.  See our price list for more details.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    Bank securely at a time and place that suits you

    First Trust Bank OnlineMobile or Phoneline Banking puts you in control of your finances. Many of the things you do at the branch counter you can do sitting at home with Online Banking - checking your balances, paying your bills, transferring money, ordering a statement and carrying out a cheque search.

     

    See our full range of Ways to Bank options.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    Seamlessly move into the Classic Account after 3 years

    After 3 years, we will convert your account to a Classic Account.  Your account details will not change and we will contact you at this stage to confirm this change.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    Switch your graduate banking to us 'stress-free' in seven working days

     

    Switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current account provider we offer the following guarantee:

     

    • The service is free to use and you can choose and agree your switch date with us.
    • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
    • If you have money in your old account, we will transfer it to your new account on your switch date.
    • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
    • If there are any issues in making the switch, we will contact you before your switch date.
    • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    Open your account today

    To open a new Graduate Account, simply call into your local First Trust Bank branch or call us on 0345 6005 925 if you would prefer to make an appointment. 

     

    You will need to bring your Certificate of Degree to confirm you are eligible to open the account.

     

    If you hold an existing Student Plus Account with us, you can swap to the Graduate Account without opening a new account.

     

    We will need to see proof of your identity and address (such as your passport, driving licence and a gas or electricity bill).  If you are not sure what proof we accept, click here or speak to a customer service adviser on 0345 6005 925.  

     

    Complete the relevant forms and we will do the rest.

    --------------------End of Accordion---------------------------

-------------------End of Accordion Container---------------------------

--------------------Start of Accordion Container---------------------------

Click on edit button to enter Accordion Header

Summary box

  • --------------------Start of Accordion---------------------------

    Key product services available on the Graduate Account

    Choose from a range of services to ensure you get the best from your bank account.

     

    The below table summarises the services available on the Graduate Account.

    Account Name Graduate Account
    Visa debit card
    yes
    Online, Mobile & Phoneline Banking
    yes
    eStatements
    yes
    Direct debits
    yes
    Standing orders
    yes
    Chequebook
    yes
    Lodgement book
    yes
    Overdraft facility (if eligible)
    yes

    --------------------End of Accordion---------------------------

-------------------End of Accordion Container---------------------------

--------------------Start of Accordion Container---------------------------

Click on edit button to enter Accordion Header

Important information

  • --------------------Start of Accordion---------------------------

    Information about borrowings

    As a responsible lender, we will only lend you money after assessing whether you are able to make the repayments.

     

    We will only issue credit facilities depending on your financial circumstances. You must be aged 18 or over. Please ask us for full details of terms and conditions and written quotations.

     

    We adhere to the Standards of Lending Practice which sets standards for banks when dealing with lending and overdrafts for personal customers. You can get more information on the Standards from any branch or at www.lendingstandardsboard.org.uk. Under the Standards we have also developed a Statement of Lender and Borrower Responsibilities to ensure that the relationship works well for both of us.

    --------------------End of Accordion---------------------------

-------------------End of Accordion Container---------------------------

Talk to us

Simply call 0345 6005 925 or drop in to any First Trust Bank branch. We’ll be happy to answer any questions you may have and help find the right kind of current account for you.

 

† Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.

Help and guidance

 

Identification requirements

Find out what documentation we will need to verify both your identity and your current permanent address in order to open an account.

 

Help Centre

For service related queries, please visit our Help Centre.

Related Products/Services

4