Overdraft - One of the key features of a current account is its overdraft facility. Check whether there is a free overdraft limit - a relatively small amount by which you can go overdrawn without paying overdraft fees or charges.

Debit card or cash machine card - These cards come with brand names such as Halifax Visa Debit Maestro, Connect or Switch. They make it easy to pay in shops, bars or restaurants, and to get cash from a cash machine.

Credit Card - Many current accounts offer access to a credit card with an agreed limit - the total amount that you are allowed to spend (or borrow) on the card. Always check the APR (Annual Percentage Rate) of a card. This gives a good idea of the amount of interest you'll be charged if you do not repay anything that you spend on the credit card each month in full. The higher the APR, the more you're likely to pay in interest. Credit cards can turn out to be an expensive way to borrow if you're not careful.

Access - Many banks now offer telephone and/or internet banking. This can be a great way to keep tabs on your account as these services are usually available 24 hours a day, 7 days per week.

Direct debits and standing orders - These features enable you to pay bills direct from your account and let you receive payments direct into your account. They make managing your finances easier, particularly if there are regular payments in and out of your account.

Free Banking - Check that free banking is offered. This generally means that you can operate the basics of your account without incurring costs, so long as the account remains in credit.

Charges - Check what charges you might incur if you stray outside agreed limits without prior agreement. You may find yourself facing a wide range of charges for simply using your account if you go overdrawn without agreement.

Student Advisors - Many banks offer access to a banking advisor who will give advice on how best to manage your finances. Typically, they will advise on how to manage any debt you may have, or how best to plan for future educational costs.

Additional Services - Some accounts will offer services such as commission-free travellers cheques, discounted insurance and preferential personal loans.

Branch Location - Having a branch near to you can be very useful when you're a busy student. Some banks have branches on campus and this may be the best option if you want easy branch access. Contact your university advisory service and ask its advice on convenient local banks.

Incentives - If, after deciding what features are important to you, you've narrowed your choice down to a small number of banks, consider the incentives they offer. These can be important if you plan to do certain things whilst at university, such as travel a lot, learn to drive, or just get out and about to the cinema and restaurants a lot.

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