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™
Apply online only. You must be 17+ living in the UK. You must either be a full time undergraduate student on at least a 2 year course at a UK University/College or you must be completing a full time postgraduate or nursing course lasting a year or more. You need to be 18 or over and have lived in the UK for 3+ years to apply for an Overdraft.
Choose 1 of 3 offers
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
Are you an International Student?
Take a look at our International Student account
How to apply online
Start and submit your online application
Your UCAS Student Code
Have your ID ready
Pick your offer
Apply now
If you've ever banked with NatWest you'll need to select existing customer below to start your application
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
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
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
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…