But cool-headed students will choose an account on two things: the value of the interest-free overdraft on offer, and whether the giveaways are worth taking. What is the best overdraft deal? An interest-free overdraft means you can go overdrawn for free — ie, there will be no charges for going into the red, although you do, of course, eventually have to repay the money and there can be painful costs if you go beyond your limit.
But other banks will credit score you from the start and you may find the amount offered is much less than the table below suggests. Who has the best freebies? There are three major giveaways on offer. Santander has grabbed probably the best freebie off NatWest — a Railcard lasting four years. Learn more about: Apple pay Google pay Contactless payments Criteria apply. Our current accounts. Upgrade or change your NatWest account. Specific account criteria apply. Our accounts. Preparing for life after university.
We have some top tips for you. After graduation. Get the Mobile App Close. Our mobile app is like a branch in your pocket. Get the Mobile app Need help? See how to set up mobile banking. Get started online Close. Online banking lets you manage your account, any time, any day. Get started now Need help? View our online guide. Activate your card Close. Get the most from your card. Order an accessible debit card Close. Our accessible debit card. We provide all our personal and premier customers with an accessible debit card.
The card has several features: A notch carved out of the side of the card, to help you work out which way round to insert your card into a cash machine or card reader. Need help managing your money? See how we can help. Change your current account. Sole account holder. I want to change my account. Keep your existing sort code and account number Arranged overdraft limits will be retained No impact to your credit rating.
Change now. Joint account holders. Mobile and Online banking. View your balance and statements anytime Make payments to your saved payees limits apply Pay someone new without a card reader limits apply Pay your bills and manage recurring payments on the go limits apply Transfer money between your accounts.
Get the Mobile App. Online Banking is a secure, easy to use and convenient way to manage your account. View your balance Make payments Set up and manage your regular payments Transfer money between your accounts Set up and go paperless.
Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately. Get more information on spending abroad and how to minimise fees and charges. You can also register your travel plans via Online Banking or by giving us a call or popping in to a branch. If you've misplaced your debit card, or want to stop it from being used, you can temporarily lock your card to protect it from unauthorised use.
You can lock and unlock your card at any time using your mobile app. Your mobile app has a function called Get Cash. This lets you take out cash when you don't have your card but need money - great for people who accidently leave their cards at home. You can make payments or transfers on the go by logging in to our mobile app. Using your mobile app you can:. Alternative log in to Online Banking where you can view your balance and statements, make payments, transfers and more to help manage your account.
Find out more about making payments. Find out more about making international payments. We want to ensure that everyone is aware of their account terms, rates and charges so we've gathered all the important infomration for your NatWest current accounts in one place. Life's big moments often mean some kind of financial change. We've created helpful tips and tools to help you manager your finances and support you through life's important journeys.
Subject to lending criteria. Living away from home? Have a look at our renters insurance. It's flexible, so you can tailor the cover to what you decide to take with you. If you're in your final year of university, you may be wondering what happens to your student account once you finish. If you've just graduated or are just about to, you don't need to do anything.
Your Student account will automatically change to a Graduate account, and you can continue to use your card, online banking and mobile app as usual. By Ed Magnus For Thisismoney.
Tomorrow, school leavers across the country will find out their A-Level results and, more importantly, where they'll be heading to University. There are now estimated to be 2.
With many learning to manage serious amounts of money for the first time, this is big business for banks. So as the start of the new academic year draws near, they are once again battling it out to woo freshers and undergraduates alike into opening an account with them. Do your homework: Young adults starting university are eligible for a student account that often comes with benefits and interest-free overdrafts. They might not be stashing away savings right now, but banks are keen to snap up today's students because, when they hopefully start earning graduate salaries, they can be valuable customers for decades to come.
Rachel Springall, finance expert at Moneyfacts. Students can therefore find plenty of cost-saving perks - but they would be wise to consider which account best suits their spending habits before committing. Things like overdraft limits, interest charges and overseas transaction fees can all make a dent in their budget if they are caught unawares.
This is Money has balanced the perks and the terms and conditions to pick out some of the best options for those heading to university next month. Students can benefit from a free month subscription to Perlego — an online library containing over , academic and non-fiction books. Most banks either prevent students from exceeding their arranged overdraft limit or wont charge them for doing so - but it's important to double check to avoid any nasty surprises.
The Barclays app also gives you lots of ways to track your spending — for example, allowing you to compare how much you spend at shops and other businesses month by month. Barclays does not offer unarranged overdrafts, so you will not be able to exceed your overdraft limit. When using your Barclays debit card abroad you'll be hit with a 2. Students can earn up to 15 per cent cashback at selected retailers, including the Co-op, Costa and Sky, simply by registering for Everyday Offers via their online banking.
The account also comes with promotional code that will enable students to enjoy a free TOTUM card for up to three years. The account also comes with a free International Student Identity Card, allowing access to over , international discounts in over countries including numerous London tourist attractions. Unarranged overdraft requests are reviewed on a case by case basis and, where they are authorised, no charges are applied. Students may decide to look for the biggest fee-free overdraft they can find if they are set to live on a tight budget.
When abroad you will be subject to a foreign currency transaction fee of 2. You can apply if you're aged 17 or over, but to apply for an arranged overdraft you must be 18 or over.
You also need to have lived at a permanent UK address for the past three years, and be studying on a full-time course that lasts for at least two years, or on a one-year access course leading on to a full-time degree. Those who register for Everyday Offers can earn up to 15 per cent cashback at selected retailers, including the Co-op, Costa and Sky, but to benefit they will need to activate the offers they're interested in online.
For keen savers, the account enables students to round up card payments and put the spare change from each purchase into a Halifax savings account.
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