i have natwest - the branch people are really nice, and they're good at dealing with students. I think it depends partly on teh staff at a particular branch though, because the natwest at home is awful. There was a £55 cash reward for opening an account, and the overdraft they offer is good (£1250 interest free, rising by about £100 for every year of your degree). I have no idea about interest rates, but then I am never in enough credit to worry about that anyway.