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05 มิถุนายน 2555

Student Bank Accounts (UK)

Student Bank Accounts (UK)





When looking at your student money income bank accounts especially a student account is something you'll need. Almost every bank has some type of offer for new students wishing to open a bank account when they first start university but the offers are not as great as they used to be so we have a comparison chart below for the best student accounts and then links to the banks and what they have for you.



Choosing a Bank Account


It may be all to easy just to go for the best offer or discount that are being offered now and the banks know this because it's likely you'll stay with them for the rest of your life because it seems hard to switch to another lender (which it isn't). So check for rates of interest on current account, overdrafts, credit cards and any savings you may have. Also see if they will offer you a bank loan at favourable rates and what their fee free overdraft limit is because you'll probably need it at some point whilst at university. You should see if they offer online banking and telephone banking as this makes it easy to manage your account.



Go for the Highest Overdraft


If you are like most students you'll be building up a lot of debt from living expenses and course fees and the standard student loan will simply not be enough. So our advice is to go for the bank that offers the largest overdraft and all banks offer students completely fee free overdrafts. There are two banks that currently offer a massive £3,000 and these are Barclays and the Halifax bank.



Bank Account Comparison


Here is an overview of the major banks that offer student accounts in the UK. As mentioned above it's best to go with the bank that offers the largest free overdraft facility as it's unlikely you'll have much spare cash to worry about the savings rates.



Bank NameFreebies?Free overdraftCredit card?Savings Interest
Abbey student£502,000Visa debit2%
Abbey post gradNone1,800Visa debit0.10%
Abbey gradNone2,000Visa debit0.10%
Satander£502,000Visa debit5%
Barclays Studentnone£3,000Contactless0.10%
Barclays Gradnone£3,000Connect 0.10%
Halifax Studentsome discounts£3,000Visa debit0.10%
HSBC Student£5 SIM card£2,000Debit2%
HSBC Graduatenone£1,500Debit0%
Lloyds StudentFree NUS Extra Card£1,500YES £5000.10%
Lloyds Graduatenone£2,000Debit only0.10%
NatWest Studentnone£2,000YES £5000.10%
NatWest Graduatenone£2,000Debit only0.10%



Bank Account Details


For more information on each bank account mentioned above please visit the following pages for the complete low down.

Abbey student bank account
Barclays student bank account
Halifax student bank account
HSBC student bank account
Lloyds TSB student bank account
Natwest student bank account
Santander student bank account


Don't be enticed by short term offers as it's the long term you need to worry about when choosing the best student bank account for your requirements.

http://www.118student.co.uk/

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