Company |
Credit
Interest
|
Interest Free
O/D
per year |
Auth
Fees
|
Unauth
Fees
|
Abbey The Abbey Account (Student)
Authorised Overdraft: 9.9% APR (0.79% pm) - £1
Unauthorised Overdraft: 28.7% APR (2.12% pm) - £1
After Graduation: Transferred to Graduate account |
1.49% |
Year 1 £1000
Year 2 £1250
Year 3 £1500
Year 4+ £1800 |
Nil |
£20 state perd |
Barclays Bank Student Additions
Authorised Overdraft: 8.9% EAR (0.72% pm) - £1 to £3K
Unauthorised Overdraft: 27.5% EAR (2.05% pm) - £1
After Graduation: Transfer by 2 years after completion of studies
Incentive: 6 free cinema tickets increasing to 12 if opened at the same time as a Student Barclaycard |
0.10% |
Year 1 up to £1000
Year 2 up to £1250
Year 3 up to £1500
Year 4 up to £1750
Year 5 up to £2000 |
Nil |
Nil |
Clydesdale Bank Student Account
Authorised Overdraft: Year 1: 7.49% EAR (0.60% pm) - £1 to £1K. Year 2 onwards: 7.49% EAR (0.60% pm) - £1 to £3K
Unauthorised Overdraft: 29.99% EAR (2.21% pm) - £1
After Graduation: Transfer by 6 months after graduation |
3.25% |
None |
Nil |
Nil |
Co-operative Bank Student
Authorised Overdraft: 9.79% EAR (0.78% pm) - £1
Unauthorised Overdraft: 32.92% EAR (2.40% pm) - £1
After Graduation: Transfer by 12 months after graduation |
- |
Year 1 £1400
Year 2 £1700
Year 3 £2000 |
Nil |
Nil |
HSBC Student Service
Authorised Overdraft: 3.0% ABR - £1
After Graduation: Transferred to Graduate account |
0.10% |
Year 1 up to £1000
Year 2 up to £1250
Year 3 up to £1500
Year 4 up to £1750
Year 5+ up to £2000 |
Nil |
- |
Halifax Student
Authorised Overdraft: 7.2% EAR (0.58% pm) - £1
Unauthorised Overdraft: 24.2% EAR (1.82% pm) - £1
After Graduation: Transfer by 12 months after graduation
Incentive: Discounts on Halifax World Explorer Travel insurance, AA breakdown and Cardcare cover |
2.00% |
Year 1 up to £2750
Year 2 up to £2750
Year 3 up to £2750
Year 4 up to £2750
Year 5 up to £2750 |
Nil |
£28 pm |
Lloyds TSB Student
Authorised Overdraft: 8.2% EAR (0.66% pm) - £1
Unauthorised Overdraft: 29.8% EAR (2.20% pm) - £1
After Graduation: Transfer by 30 September after graduation
Incentive: £25 within 28 days of account opening. Further £50 credited if account doesn't go overdrawn and 3 credits are paid into the account by 30.6.08. Free NUS Extra card (worth £10). |
0.10% |
Year 1 £1500
Year 2 £1500
Year 3 £1500
Year 4 £2000
Year 5 £2000
Year 6 £2000 |
Nil |
£30 per day
(max £90 per charging period) |
NatWest Student
Account Authorised Overdraft: 0.0% EAR (0.00% pm) - £1
Unauthorised Overdraft: 17.81% EAR (1.38% pm) - £1
After Graduation: Transferred to Graduate account
Incentive: 5 Year Young Persons Rail Card (worth £100) and students applying online before 31.10.07 receive free Microsoft Windows Live Messenger webcam and microphone |
0.10% |
Year 1 up to £1250
Year 2 up to £1400
Year 3 up to £1600
Year 4 up to £1800
Year 5 up to £2000 |
Nil |
Nil |
Royal Bank of Scotland Student Royalties
Unauthorised Overdraft: 29.84% EAR (2.20% pm) - £1
After Graduation: Transfer by 12 months after graduation
Incentive: Free webcam with online applications. Discounts on shopping, entertainment and selected holidays |
2.00% |
Year 1 up to £2500
Year 2 up to £2500
Year 3 up to £2500
Year 4 up to £2500
Year 5 up to £2500 |
- |
£10 pm |
Smile Student Account
Authorised Overdraft: Negotiable - £1 to £2K
Unauthorised Overdraft: 25.0% EAR (1.8775% pm) - £1
After Graduation: Transfer by 4 years from account opening |
3.00% |
Year 1 £1000
Year 2 £1400
Year 3 £1800
Year 4 £2000 |
Nil |
£5 pm |
Yorkshire Bank Student Account
Authorised Overdraft: Year 1: 7.49% EAR (0.60% pm) - £1 to £1K. Year 2 onwards: 7.49% EAR (0.60% pm) - £1 to £3K
Unauthorised Overdraft: 29.99% EAR (2.21% pm) - £1
After Graduation: Transfer by 6 months after graduation |
3.25% |
None |
Nil |
Nil |
