Student Products - Manage your Student Account - NatWest

Student talking to NatWest employee

Student Account Products

Helping you make the most of your Student bank account

Student Account
Student account

The NatWest student account is designed to make your life in higher education a little bit easier, we offer a choice of benefits, banking through the mobile app and a £500 arranged overdraft in the first term and up to £2,000 after that.

Learn about our student account


Apply online only. To apply, you must be living in the UK and either completing a full-time undergraduate course that lasts at least two years; a full-time post-graduate course or training as a nurse at a UK university or college of higher education.

You need to be a UK resident and 18+ to apply for an Arranged Overdraft.

International Students will be charged a £10 monthly account fee.

To benefit from either Amazon Prime Student, National Express Coachcard or a tastecard make sure you sign up for Online Banking and paperless statements after you’ve opened your account.


Student arranged overdraft

We know there are always unexpected costs when it comes to being a student so you may want to think about getting a little more flexibility with an arranged overdraft. It’s interest-free and could give you a safety net during your studies so you won’t need to worry about waiting for the next loan to come in.  

If you have already have a student account with us, you’ll be able to apply for an overdraft here. Remember, having an overdraft doesn’t mean you have to use it but it can be affordable way of borrowing an agreed amount so you'll never be caught high and dry.

In your first term of first year, you'll be able to apply for an overdraft of up to £500.

After your first term of first year, you'll be able to apply for up to £2,000.

* Overdraft applications are subject to approval  

Learn about student overdrafts


Use our overdraft calculator to see how much an arranged overdraft can help save you money. 

Try out our overdraft calculator
student overdraft

To apply, you must be over 18, live in the UK and have a NatWest Student Account.

student account credit card

Representative 18.9% APR (variable)

To apply you need to be over 18, a UK resident and hold a NatWest student account.

Student credit card

As a NatWest student account holder you can apply for a student credit card providing a credit limit of up to £500. 

  • Up to 56 days interest free on purchases
  • Build a credit profile for the future
  • Manage online and via the mobile app

To make sure you're keeping track of your spending, you'll have 24/7 access to online and mobile banking, as well as email and text reminders. It's also a great way to start building up your credit rating for the future.

No annual fee.

Learn about student credit card
Contents insurance for students

Living away from home? Then your most prized possessions that you take with you may no longer be covered by Mum & Dad, be it your wide-screen TV, or your trusted bike that always gets you to your lectures.

The solution?...our Renters insurance for students and tenants is designed with you in mind: it's flexible, so you can tailor the cover to what you decide to take with you...

  • Covers your contents in your rented accommodation, including mobile phones, laptops, portable electronic equipment and bicycles
  • Choose from £5,000 to £25,000 cover (in increments of £5,000)
  • Choose from optional add-ons, including Personal Possessions to cover belongings you carry with you outside the home from accidental loss, damage or theft
  • Spread the payments - no additional cost to pay monthly 
Learn about student contents insurance
Content Insurance

Representative APR 0%

Monthly payments. Subject to eligibility and credit agreement. Credit facilities: Over 18s only.

Underwritten by U K Insurance Limited

Graduate accounts
Graduate accounts and current accounts

If you're in your final year of university, you may be wondering what happens to your student account once you finish. It will turn into a Graduate account once you complete your studies.

Learn about graduate account

If you're looking for an account with more features, such as car breakdown cover and travel insurance, you may be interested in one of our packaged accounts, such as the Reward Silver or Reward Platinum account. Other non fee paying accounts are available.

Learn about our current accounts
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