You only get discounts on certain restaurants and hotels and they are not always easy to use.
One example-if you want to avail of a discount at a restaurant, you have to bok through U-First. Sounds sketchy. And it is. We turned up a restaurant with our confirmation and were left stading around for 20 minutes waiting for a table because the restuarant had never received details of any booking and couldn't figure out who/what U-First were. And they wouldn't give us the discount. We had to reclaim it from U-First. Too much hassle. If you want restaurant discounts, spend €25 on the EZ Living Voucher book-well worth it.
On the hotels front, these are generally more high end hotels-fine if you can afford them in the first place, but we have been abroad and on holiday in Ireland at least 10 times since we opened a U-First account (to get the tracker dicsount) and have never used their hotel discounts.
On personal loans, yes there is a discount for U-First account holders, but there is a good chnace (depending on your circumstances) that you could do better elsewhere, e.g. Tesco essentially resell UB/RBS loans at a lower rate.