Apply for a student overdraft up to £2000

Open a Student bank account

Why apply for our Student bank account?

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

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

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

Britain's Best Online Student Banking Provider 'YourMoney.com Awards' 2019

Choose from one of three great offers;

To receive your benefit you must register for online banking and choose to receive paperless statements

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. You need to be +18 for this reward. T&C's.

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. Coachcard T&C's apply.


Get 2 for 1 or 50% off your food bill at thousands of UK restaurants and discounts at the cinema with tastecard+ membership. Valid for 4 years. Smartphone required. tastecard+ T&C's apply.

Hassle free banking with our mobile app

App available to customers with Online Banking, compatible iOS and Android devices and a UK or international mobile number in specific countries.

Hassle Free Banking with our mobile app

Mobile App Features

Debit card lock

Can't find you card? Temporarily lock it while you look, and if you find it, instantly unlock your card.

Get cash

Withdraw up to £130 every 24 hours at our ATMs as long as it’s within your daily withdrawal limit.

Manage your money 24/7

Check your balance and pending transactions, transfer money between your accounts, manage regular payments and pay someone new without visiting the branch. Limits apply.

Overdraft details

How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

We're changing our overdraft pricing

Between 27 March and 2nd April 2020, we will be making some changes.


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, e.g passport or driving license and proof of address, e.g a utility bill. Please use your permanent UK address if it's different to your term time address.
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

Get ready to apply

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

are aged 17 or over and living in the UK

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

are completing a course that has already started, or is starting within the next 6 months

Now please take a look at the important legal info

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Online Banking - not posted. Please take some time to review, print and/or save the 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.

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