To apply, you must be 17+ and have been living in the UK for at least 3 years. Online applications only, and to confirm that you are a Student and eligible for this account, you must provide your unique 16 digit UCAS code. Courses without a UCAS code are not eligible for our student account. It’s important that you need to be a full time undergraduate Student (on at least a 2 year course at a UK University/College) or nursing course lasting a year or more. You can apply within 6 months of your course start date. Additionally, You must use your Student account as your main account by depositing your wages or other regular income into it.

2. Santander Edge Student Current Account

In contrast to other banks, Santander provides every student with a complete £1,500 overdraft during the first three years.

To access this overdraft, you must deposit a minimum of £500 into your account every four months, typically from your maintenance loan.

When you open your account, you’ll start with a £250 interest-free overdraft, which will gradually increase to £1,500 within your first year. If your course extends beyond that, you can qualify for up to £2,000 by the fifth year.

3. NatWest Student Current Account

The first year is limited to £500 in your first term, then up to £2,000 until your third year, when you can apply for £3,250, and you need to be at least 18 years old to be eligible, and take note that it is subject to approval.

To apply, you must be 17+ and have been living in the UK for at least 3 years. Online applications only. Also, to confirm you’re a student and eligible for this account, we require your unique 16-digit UCAS code. Courses without a UCAS code are not eligible for our student account.

You need to be a full-time undergraduate student (on at least a 2-year course at a UK university/college) or nursing course lasting a year or more. You can apply within 6 months of your course start date. You must use your student account as your main account by depositing student finance, wages, or other regular income into it. Get Started Here

4. Nationwide FlexStudent Account

Nationwide Flexstudent offers interest-free overdraft that can help student do everything they want to do at the university. You can apply for an interest-free arranged overdraft of up to £1,000 in your first year, up to £2,000 in your second year and up to £3,000 in your third year. You’ll need to pay in at least £500 each term, keep up with any bill payments and stay within your arranged overdraft limit. After you graduate, you’ll still have your overdraft – we’ll just ask you to slowly pay it back over time.

5. HSBC Student Bank Account

We offer an interest-free arranged overdraft of up to £1,000 when you open this account.You can ask for an increase of up to £2,000 in year 2 and £3,000 in year 3, subject to status and how your account has been used.

You can apply for a Student Bank Account if you are 18 or over, live in the UK, have lived in the UK, Channel Islands or Isle of Man for the past 3 years and have proof that you’ve been accepted onto a qualifying course (eg your 16-digit UCAS code) have read the important account documents below.