Apply for a student overdraft up to £2000

Open a Student bank account

Here's what a student bank account gets you

Interest-free overdraft up to £2000 (£500 in first term) with an instant online decision

Choose 1 of 3 great offers; a tastecard, Amazon Prime Student membership or National Express Coachcard

Manage your money on the go with our easy to use mobile banking app

Send money to your friends in the mobile banking app with Paym

Tap and pay with your phone using Apple Pay and Google Pay™ 

Choose 1 of 3 offers

1 - tastecard

Dine out and get 50% off food or 2 for 1 meals. Plus save on entertainment, including the cinema. Valid for 4 years. Smartphone required.

2 - Amazon Prime Student

Stream movies, box sets and music, plus get unlimited One-Day Delivery on millions of items with a 1 year Prime Student membership and £10 Amazon.co.uk Gift Card. For this reward you need to be +18, see www.amazon.co.uk/gc-legal. Prime Student is a service provided by Amazon.co.uk. Amazon.co.uk is not a sponsor of this promotion.

3 - National Express Coachcard

Travel for less with 1/3 off fares, ideal for visiting friends and family. Plus 15% off travel to events and festivals. Valid for 4 years.

Frequently asked questions

How do I apply for an overdraft on my student bank account?

If you're 18+ years old, a student and have lived in the UK for over 3 years you can apply for an overdraft online. If approved, the overdraft limit is £500 for the first term of your first year of study. You can apply to increase the overdraft up to £2,000 after the first term

When will I receive the overdraft funds?

If you apply for an overdraft Monday - Thursday before 5.30pm the funds will be available the next working day. Anytime outside this will be up to 2 working days

What happens to my student bank account after I graduate?

After you graduate we will switch your account to a Graduate account. We’ll notify you about 60 days in advance so there's no unexpected surprises

A few more questions

Are you an International Student?

Take a look at our International Student account

How to apply online

RBS - Step 1

Start and submit your online application

We'll ask you to register for online banking and opt in for paperless statements
RBS - Step 2

Your UCAS Student Code

Your UCAS code is the simplest way to show us you’re a student. Your account will be opened faster if you provide us your UCAS code in the application
RBS - Step 3

Have your ID ready

We'll need proof of ID - passport or driving license and proof of address - a utility bill or bank statement. If you have your ID ready your account will be opened faster
RBS - Step 4

Pick your offer

We'll need a UK mobile number and email address so we can contact you about your choice of offer. Make sure you register for Online Banking and paperless statements to receive your offer

Apply now

If you've ever banked with NatWest you'll need to select existing customer below to start your application

Are you a...

Submit your ID and proof of student status online

ID - Please apply using your permanent UK address if it's different to your term time address. 

Student Status - The simplest way to prove your student status is to enter your UCAS Status Code into the application form - this is a 16 digit code emailed to you by UCAS. If you have misplaced this email please contact UCAS who will reissue within 24 hours.

And now for the important legal stuff...

To open this account you must be living in the UK and:

Completing a full-time undergraduate course that lasts at least 2 years or completing a full-time postgraduate course or

Training as a nurse at a UK university or college of higher education

Registered for Online Banking and paperless statements

Important Information

Please take some time to review the important information. By clicking to proceed you are confirming that you have been provided with, and have acknowledged our important documents including the FSCS information sheet.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Are you ready to continue?

Great! Let's get started…

What would you like to do today?

As we already know you, this shouldn't take long at all.

We’ll need your 16 digit UCAS Status Code; this will have been emailed to you by UCAS, and your sort code and account number.

And now for the important legal stuff...

To open this account you must be living in the UK and:

Completing a full-time undergraduate course that lasts at least 2 years or completing a full time post graduate course or

Training as a nurse at a UK university or college of higher education

Registered for Online Banking and paperless statements

Important Information

Please take some time to review the important information. By clicking to proceed you are confirming that you have been provided with, and have acknowledged our important documents including the FSCS information sheet.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Are you ready to continue?

Great! Let's get started…

As we already know you, we can help you complete the application form

If you use Online Banking we can help speed up your online application by pre-filling your personal information. If not, don’t worry, we’ll just need to re-confirm a few details with you.

We’ll also need your 16 digit UCAS Status Code; this will have been emailed to you by UCAS.

And now for the important legal stuff...

To open this account you must be living in the UK and:

Completing a full-time undergraduate course that lasts at least 2 years or completing a full time post graduate course or

Training as a nurse at a UK university or college of higher education

Registered for Online Banking and paperless statements

Important Information

Please take some time to review the important information. By clicking to proceed you are confirming that you have been provided with, and have acknowledged our important documents including the FSCS information sheet.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Are you ready to continue?

One last question…

Do you have NatWest Online Banking?

Great! Let's get started…

Great! Let's get started…