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Bank accounts?

This is for the people who are already at St Andrews, Does anyone have any recommendations about the best student bank accounts to use? I was thinking about RBS, mainly because of the free railcard but I would appreciate any information on the others. Thanks.

Reply 1

dogleish

Bank of Scotland offer up to £3000 over 5 years, rather than RBS which is only £2000. So it depends on how much you think you'll be needing. Clydesdale also offer up to £3000. Co-op are supposed to be good as well. Lots of good info on here: http://www.moneysavingexpert.com/banking/Student-bank-account

Reply 2

chester.

18

Ragardless of bank account your sig is awesome! :biggrin:

(I'm with Santander and they've been great.)

Reply 3

LGF92

14

I went into RBS in Newcastle only to be told that I had to actually be in Scotland to get the rail card. I was unamused but I'll head along to RBS on the Monday of Freshers Week, get it set up and then ring Student Finance to update my details.

Reply 4

Oh-WOW

10

LGF92

I went into RBS in Newcastle only to be told that I had to actually be in Scotland to get the rail card. I was unamused but I'll head along to RBS on the Monday of Freshers Week, get it set up and then ring Student Finance to update my details.

You can apply for in online and then send your passport and stuff to them.
I did this because there is no RBS in Northern Ireland. :frown:

Reply 5

LGF92

14

Oh-WOW

You can apply for in online and then send your passport and stuff to them.
I did this because there is no RBS in Northern Ireland. :frown:

That's the thing, there are two and a half weeks left so I might actually just be better off waiting til I get there. :P:

Reply 6

Oh-WOW

10

LGF92

That's the thing, there are two and a half weeks left so I might actually just be better off waiting til I get there. :P:

Yeh. I guess so.
I'm still waiting on RBS sending me the information, a week later. I hope it gets here in time for me to send it back and to get my passport back before I get there.

Reply 7

Murphyen

9

I can't recommend Lloyds TSB highly enough – they've been very helpful to me when I've needed it. RBS on the other hand, who I was originally going to go with, were nothing but useless.

Reply 8

charlotteee123

My parents moved to Scotland in July, which means I am ordinarily resident in the UK now, but had been living outside of the UK prior to that.

According to RBS today, I could not open a Student Account because I hadn't been living in the UK for the past 3 years. Anyone else have experience with this?

Reply 9

predius

charlotteee123

My parents moved to Scotland in July, which means I am ordinarily resident in the UK now, but had been living outside of the UK prior to that.

According to RBS today, I could not open a Student Account because I hadn't been living in the UK for the past 3 years. Anyone else have experience with this?

No bank will consider you for any kind of credit (student accounts, credit cards, overdrafts) until you have a 3 year residence history in the UK. It's terrible news for any overseas student.

Reply 10

la_banane_verte

16

predius is right. They will give you basic bank facilities though, a cash card and an account. Maybe a debit card if you're lucky.

Reply 11

AdvWar

Oh-WOW

You can apply for in online and then send your passport and stuff to them.
I did this because there is no RBS in Northern Ireland. :frown:

Were you able to get the railcard by doing this? When I tried to apply from NI, they removed any mention of the railcard...

Reply 12

Oh-WOW

10

AdvWar

Were you able to get the railcard by doing this? When I tried to apply from NI, they removed any mention of the railcard...

I had no problem. I filled in a form online and they sent me stuff out in the post. I just posted it all back to them today.
I hope I still get the railcard because thats why I went with RBS.
You could phone them and ask?

Bank accounts?

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