Student Bank Accounts | Student Account | NatWest

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Student Bank Account

Get 1/3 off coach travel for 4 years with National Express

Apply online now Upgrade existing account International students

To apply for a Sudent Account you must be aged 17 or over & completing a full-time undergraduate course that lasts at least 2 years; completing a full-time post-graduate course; or training as a nurse, at a UK university or college of higher education. If you want to apply for the Arranged Overdraft too, you'll need to be aged 18 or above and a permanent UK resident (ordinarily resident in the UK for 3 years or more)

Go big and go home with 1/3 off coach travel for 4 years

When you open a Student Account with us, you can benefit from a free National Express Young Persons Coachcard, valid for 4 years (when you sign up to online banking and select to receive paperless statements), which gives you:

  • 1/3 off standard adult coach fares in the UK with National Express
  • 10% off travel to festivals and events in the UK, including Glastonbury, Reading and Leeds festival and England football matches at Wembley Stadium. Visit nationalexpress.com/events for more information.
  • 10% off coach fares to lots of great European destinations with Eurolines
  • National Express have dedicated coach stops on 20 university campuses in England and Wales taking you right to your Uni experience.
  • 1/3 off standard adult fares with Hovertravel and Scottish Citylink services when booked through National Express

To get yours, all you need to do is:

  1. Sign up for online banking
  2. Once you have signed up, select to receive paperless statements.

Once you have done this, you will receive your Coachcard within 5 working days.

Now that's #Uniproof!

Find out more about your Coachcard
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Our Student account offers an interest-free overdraft, when you need it

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You can get more flexibility with an interest-free arranged overdraft, just in case you need a bit of a safety net between bills going out and payments coming in. You can apply for up to £500 in term 1 and up to £2,000 after that.

Overdraft applications are subject to approval, you must be over 18 and be a permanent UK resident to apply.

Find out more about our Student Overdraft

You must use your NatWest Student Account as your main current account by paying in at least £750 every 6 months and make at least 3 debit transactions every month. If you stop using your account as your main current account then the interest rate you pay on your Arranged Overdraft reverts to the standard rate which applies to the Select Account. Arranged Overdrafts are repayable on demand.

 

The student credit card

A great partner to your student current account

Enjoy a credit card that is designed to help with student life, is easy to manage and has a credit limit of up to £500, plus:

  • Online and mobile management, plus email/SMS reminders
  • No annual fee

Representative 18.9% APR (variable)

Find out more about our student credit card
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To apply you need to be over 18, a UK resident and hold a NatWest Student Current Account

Banking at your fingertips
Person logging into their mobile app using Touch ID

Make use of our online and mobile banking services to:

  • login to mobile banking using your Touch ID registered fingerprints. This option is available to iPhone 5S and 6 users with the latest iOS operating system
  • withdraw money without your card using Get Cash (from NatWest, RBS and Tesco ATMs). All you need to do is select the amount, and we'll provide you with a secure code which you can use straight away
Find out more about the mobile app

Online Banking is available to NatWest account holders aged 11 and over. App available on selected smartphones, to NatWest customers with online banking and a UK mobile number. Please note that you must be signed up for online banking in order to use the NatWest mobile app.

Mobile payments just got easier
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Add your signposting title here… Apple Pay is here

Apple Pay is the new, easy and secure way to pay using your NatWest debit or credit card.

Use Apple Pay in store (iPhone 6 or Apple Watch) and within apps (iPhone 6, iPad Air 2 or iPad Mini 3).

Apple Pay is available on selected personal current accounts and NatWest MasterCard credit cards.

More about Apple Pay
use Apple Pay to make payments with your iPhone 6 or Apple watch
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Add your signposting title here… Apple Pay is here

Apple Pay is the new, easy and secure way to pay using your NatWest debit or credit card.

Use Apple Pay in store (iPhone 6 or Apple Watch) and within apps (iPhone 6, iPad Air 2 or iPad Mini 3).

Apple Pay is available on selected personal current accounts and NatWest MasterCard credit cards.

More about Apple Pay

Pay someone securely without a card reader up to £250

You can now pay someone new up to £250 using an account number and a sort code. No need to set up a new payee in Online Banking or rummage around for your card reader.

Important information

  • The payment details will not be saved.
  • You must be aged over 16 and have available funds to send from your account (including any overdraft facility).
  • There is a maximum limit of £250 payments  per working day, which is separate  from daily withdrawal and Get Cash limits. You can make up to 5 payments per working day.  

This feature is available on Android, iPhone and Blackberry10.

 

Paying a person from your list of saved payees

You can also make payments to anyone from your list of payees, whose details you have saved within Online Banking. Just select 'Payments' and scroll through the names to select the correct person, type the amount and click send. The money will leave your account instantly!

Please note that to make payments to your saved payees within the mobile app you will need to make the first payment to that person through Online Banking using your card reader.

Payments are available on Android, iPhone, BlackBerry10 and Windows. This feature is also available on our iPad app.

 

Moving money between accounts

We’ve made transferring money on the app really easy. Open it up, choose the account you want to move money from, select the Transfers option and then choose which of your accounts you want to transfer the money to. Type the amount and let us take care of the rest.

Transfers are available on Android, iPhone, BlackBerry10 and Windows. This feature is also available on our iPad app.

make payments up to £250 a day using just an account number and sort code

Pay someone securely without a card reader up to £250

You can now pay someone new up to £250 using an account number and a sort code. No need to set up a new payee in Online Banking or rummage around for your card reader.

Important information

  • The payment details will not be saved.
  • You must be aged over 16 and have available funds to send from your account (including any overdraft facility).
  • There is a maximum limit of £250 payments  per working day, which is separate  from daily withdrawal and Get Cash limits. You can make up to 5 payments per working day.  

This feature is available on Android, iPhone and Blackberry10.

 

Paying a person from your list of saved payees

You can also make payments to anyone from your list of payees, whose details you have saved within Online Banking. Just select 'Payments' and scroll through the names to select the correct person, type the amount and click send. The money will leave your account instantly!

Please note that to make payments to your saved payees within the mobile app you will need to make the first payment to that person through Online Banking using your card reader.

Payments are available on Android, iPhone, BlackBerry10 and Windows. This feature is also available on our iPad app.

 

Moving money between accounts

We’ve made transferring money on the app really easy. Open it up, choose the account you want to move money from, select the Transfers option and then choose which of your accounts you want to transfer the money to. Type the amount and let us take care of the rest.

Transfers are available on Android, iPhone, BlackBerry10 and Windows. This feature is also available on our iPad app.

Pay Your Contacts Pay your friends with their mobile number

Open your mobile app, click on the ‘Pay Your Contacts’ option, enter their mobile number, the amount you want to pay them and add a personal message. The person will receive the money in their account instantly.

Some important information

Pay Your Contacts lets you send money to someone with a UK mobile number who has a NatWest, RBS, Ulster Bank, NatWest Offshore, Isle of Man mobile app or registered for Paym. You must have available funds to send from your account (including any overdraft facility). There is a maximum payment of £250 a day, which is separate from daily withdrawal and Get Cash limits.

Pay Your Contacts is available for NatWest customers on Android, iPhone, BlackBerry10 and Windows.

Get the app
use Pay Your Contacts to send money using just a mobile number
Pay Your Contacts Pay your friends with their mobile number

Open your mobile app, click on the ‘Pay Your Contacts’ option, enter their mobile number, the amount you want to pay them and add a personal message. The person will receive the money in their account instantly.

Some important information

Pay Your Contacts lets you send money to someone with a UK mobile number who has a NatWest, RBS, Ulster Bank, NatWest Offshore, Isle of Man mobile app or registered for Paym. You must have available funds to send from your account (including any overdraft facility). There is a maximum payment of £250 a day, which is separate from daily withdrawal and Get Cash limits.

Pay Your Contacts is available for NatWest customers on Android, iPhone, BlackBerry10 and Windows.

Get the app
Our award-winning Student Account service

Manage your finances with our award-winning online and mobile banking services.

 

Today’s students expect a bank account that comes with a cutting-edge online banking function, and increasingly they want a mobile banking app on top. NatWest provides just that, offering a sleek, user-friendly and innovative digital proposition, both online and via its mobile app and text alerts. Coupled with an interest-free £2,000 overdraft this makes the NatWest student proposition award-winning

Paula John, Your Money magazine editor-in-chief

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Not just a Student Bank Account

From our interest-free overdraft, to our Student Credit Card, we have a range of student products to help you become #Uniproof.

Find out more about our Student range
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Your Student Account also comes with a range of benefits, aimed at helping you during your time at university.

See what students are spending in the UK
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See the results of the Student Living Index 2015 and learn how much students across the UK are spending on everyday essentials. 

 

See the results of the Student Living Index 2015
What you need to apply for the Student Account
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To open your Student Account online, you will need proof of ID, like a UK Passport, proof of address, such as a utility bill (dated within the last six months), and proof of student status, like a letter from UCAS.

Find out more about the ID we accept
Important information about our Student Account
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