When I went in to Barclays she told me to get a student account with the NatWest!
I had to research this recently and I would warn you to be careful of initial benefits the freebies can give you. It's more important to look into interest rates and overdraft allowances (for example, advertising 'up to' an amount for your overdraft doesn't mean you'll get it). Also, the charges (both for agreed overspend on your overdraft, and non-agreed) can really sting.
Last year, it was actually the Cooperative Bank that offered the best deal with the highest guaranteed limits - Year1: £1,400 Year 2: £1,700 Year 3: £2,000, so it's definitely worth shopping around and not being initially taken in by a railcard.
Unless you expect to use an overdraft it is irrelevant.
Say if I opened my account now, would I be able to use it now or would I have to wait till september?
I have an uncondiional btw.
what if you already have a rail card? do you still get free rail card from natwest for the rest years?
Natwest and its railcard are a thing of the past. CO-OP is by far the best now.
Natwest have automatically amended my account to a student account and are giving me a 5 year rail card. You had to have an account with them on 1st June.
Depends what you want from your account. I don't want the big overdraft, it's debt. A small one is useful but I don't intend to run up additional costs of £1.4k in the first year. (Hopefully)
How often do you think we'll be in our overdraft? I'm currently with nationwide and they don't offer student accounts.. I'm thinking natwest... But I still want to keep my nationwide account open. I currently have £600 overdraft limit and £1000 credit limit, just need that interest free incase it all goes tits up !
I'm with natwest.. They used to have such good offers some time ago.. 2 for 1 cinema, orange top-ups.. *sigh*
National Bank of Greece:
A competitive -10% interest (per month)
A conventient withdrawl cap of £5 per annum (no quibble)
Friendly staff and great customer service (Fluency in Greek required)
*The exchange rate between Pounds Sterling and the Euro can go down as well as up
Santander can give you £240 worth of insurance to cover your mobile, laptop and two other items of your choice for free if you sign up with them? I don't know about their overdraft limit but I'm not intending on using it and it seems better than a free £11 a year NUS card (Lloyds) or a £27 a year railcard (Natwest)