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themesong
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#1
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#1
Your views please.

Come August or even before that students will be targeted by banks to set up accounts with them.
So which one is the best, the most reliable and the most problem-free.

Post here!
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trev
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#2
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You can go see the banks for information. They have leaflets about student bank accounts.

I prefer Natwest though.
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Juno
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I don't like Natwest for a very long reason I can't be bothered to type out, but if you're really interested it should be around somewhere
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Tednol
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I've got my student bank account from the Royal Bank of Scotland. They have provided me with an excellent service which I can't fault. The one time I needed a temporary extension to my overdraft, a quick phone call to my branch was all that was needed.
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Squishy
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I've been with NatWest for many years, and I couldn't be bothered to switch to another bank for my student account. They've always been good to me, although undoubtedly some people have had problems with them.
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princessa
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i have a natwest account cause no other bank would take me for some reason. i havent had any major problems apart from the stupid woman in the manchester university branch who failed to order a new card for me when i asked leaving me in poverty for a good few weeks. but they phoned me up afterwards so i could complain, which i thought was a nice touch. try to find the best rates by looking around, and if you cant decide, go for the one with the best, most useful offer (that would be something like a free 5 year railcard, not a free CD). But first and foremost make sure you are getting the best and cheapest overdraft facility, a credit card (even if you dont think you need one its good to have the option of an interest free one. i didnt get one at first but applied for one for "emergency" use. amazingly i have stuck to my word and not tried to convince myself that needing more MAC make-up is an "emergency". i digress.) Shop around, and look at stuff like if they have branches on campus at the uni you are going to, or specialist student advisors and so on.
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loftx
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If you're looking for an account based on what freebies you get you will have to wait a while. Banks seem to change their joining up offeres ever year and wont start advertising what they giving away this year until august sometime.
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JackieS
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#8
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I'm with HSBC - went with them because they gave away a free student railcard (4 years) with it - always very useful! Lasts alot longer than 50 quid whiich was the other option!

I've never had any problems with them - and don't know anyone thats has
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Squishy
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Actually, some people I know had problems with getting the HSBC railcard because their deadline is inconvenient. NatWest have the same railcard deal as HSBC (actually, I think they stole the idea from HSBC), but they have a later deadline.
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JennLlama
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If you're under 18 when you start Uni (like I was) you need to be careful as some places won't give you a student account unless you're over 18. HSBC would give me a student account without the overdraft (i.e. an account with ~0% interest) and wouldn't give me the railcard because it was in some way intricately attached to the overdraft! NatWest were fine though and I got my £50 no problem (they weren't offering a railcard when I applied, though I think they did last year).
Jenn xx
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Ynox
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look into what banks are near your uni. Its all well and good being with X bank but it'll suck a bit if there are only Y and Z branches on campus.

I'm with HSBC- got a 5 year railcard (already saved over £100 with it as I tend to spend about £70ish a term on train tickets to go home/see friends) and an overdraft facility of £1250 (£1000 in your first year, £1250 in your second). Also have a credit card with them (only a £500 limit on it though which is really annoying when you're trying to pay for a holiday using it like I did last year).
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DRWallace
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#12
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(Original post by Tednol)
I've got my student bank account from the Royal Bank of Scotland. They have provided me with an excellent service which I can't fault. The one time I needed a temporary extension to my overdraft, a quick phone call to my branch was all that was needed.
They screwed me about with my debit card. Other than that they're pretty good.
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lou p lou
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my bf had a lot of problems getting his railcard from HSBC... saying that my twin brother has his with NatWest and still hasn't been sent a pin card fro his account (that was opened beginning of September)

i'm with the royal bank of scotland because there aren't any branches of natwest/hsbc in dundee and rbs has branch in our union so it's really handy.... howvere i made the mistake of joining when i was at home and if i'd waited til frshers week i'd have got £55 :rolleyes:

lou xxx
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DRWallace
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(Original post by lou p lou)
my bf had a lot of problems getting his railcard from HSBC... saying that my twin brother has his with NatWest and still hasn't been sent a pin card fro his account (that was opened beginning of September)

i'm with the royal bank of scotland because there aren't any branches of natwest/hsbc in dundee and rbs has branch in our union so it's really handy.... howvere i made the mistake of joining when i was at home and if i'd waited til frshers week i'd have got £55 :rolleyes:

lou xxx
I did that too. My flatmate got a free toastie-maker at the fresher's fair cos he opened an account with them. S'not fair. :mad:
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lou p lou
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(Original post by DRWallace)
I did that too. My flatmate got a free toastie-maker at the fresher's fair cos he opened an account with them. S'not fair. :mad:
lol, did you get the free icecream from o2?

we have a great toastie maker in our flat anyway, people from other villas come and use it(!)

lou xxx
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