Which student bank account do you use?

Natwest for the railcard.

Graduate in 4 days though.

I graduated last year and got another free railcard in the post last week.

I'm positive I told them I graduated.

To me Student Accounts are a con. I'll stick with what I have.

I wanted to know more about this too. I went into Natwest and asked but they said they haven't sorted out the accounts yet and they usually promote the new student accounts at the end of August.

This.

Unless you need the overdraft they are pointless IMO.

What do you have?

I'm also intrigued about why you think it's a con. I have one and the overdraft gives you so much flexibility. You can work all summer to break even while not having to necessarily work as much during term time. For me it's so helpful when you're making the transition between a life being financially dependent on your parents to being financially independent.



What if you need to take the train like I do and you're offered a free four-year 16-25 railcard.

And then once you're ££££ in debt they rip you off once graduated with interest.

I'm in first year and I have a Natwest account. However, NatWest stopped giving out railcards last year and I got a stupid tastecard.

I went with Santander too and, while I got £50 for switching and a decent (?) £1,500 overdraft, I feel I've been left short-changed in other ways.

I've found their customer service to be quite poor - their staff across the counter can be really rude and inconsistent.

I've lost a couple of cards and it takes literally AGES (weeks) to get a new one through the post. New pins which are sent out often don't work.

How come everybody I know switched to TSB when they split lol, and I was split off to Lloyds!?

I graduated last year and got another free railcard in the post last week.

I'm positive I told them I graduated.

I'm planning to set my student account up with Santander as they're the only bank currently offering a railcard, which is going to be essential for my travel between university and home. Santander also seems like a good bank in general.

Originally Lloyds TSB but got automatically split off to TSB. Only got a £500 overdraft but I went through first year and never touched it once, not even 1p into it.

I can't even get a Santander student account... Reason being

I have a 123 account. When I applied, I replied truthfully that I am working as a "professional" in a "technical role" and I have been employed for x months

What I didn't tell them was that I'm a student as well (That account is NOT for students)

The only reason Ive touched mine (ie: 100% of it),is because that money is moved elsewhere, to make me a profit

I don't really see what the motivation behind quoting me and stating this whatsoever beyond bragging rights or some kind of superiority showoff because there was no reason to otherwise, but i'll budge anyway since that seems to be what you want.

How much profit do you make?

I went with Santander too and, while I got £50 for switching and a decent (?) £1,500 overdraft, I feel I've been left short-changed in other ways.

I've found their customer service to be quite poor - their staff across the counter can be really rude and inconsistent.

I've lost a couple of cards and it takes literally AGES (weeks) to get a new one through the post. New pins which are sent out often don't work.

With Lloyds, had no agro although I maxed out my £1500 overdraft at the end of first year so I'm always skint now but that's my own damn fault. Only downside to me is their transaction fees when abroad, although this doesn't apply to most students it did to me because it was the only bank account I could have on my year abroad, luckily I got £250 of that back though.

Profits are mentioned above. It's not masses, but it's getting something from them

No one seriously banks with Barclays?? . They have a 'student additions' account.

I am moving into my second year at uni, but I just have the plain ol' current account. Been banking with Barclays since 2009, seriously since 2012, and I have just continued to use them. I didn't really feel the need to get an overdraft, so I don't have one. And long may that continue.

To the person who said Lloyds internet banking was good, I raise you Barclays' internet banking. The PINsentry device is brilliant, and gives me something to trust with internet banking.

No one seriously banks with Barclays?? . They have a 'student additions' account.

I am moving into my second year at uni, but I just have the plain ol' current account. Been banking with Barclays since 2009, seriously since 2012, and I have just continued to use them. I didn't really feel the need to get an overdraft, so I don't have one. And long may that continue.

To the person who said Lloyds internet banking was good, I raise you Barclays' internet banking. The PINsentry device is brilliant, and gives me something to trust with internet banking.