The Student Account comes with an interest-free arranged overdraft of up to £1,500 in years 1-3 and up to £2,000 in years 4-6. Opens in a new browser window. Our Mobile Banking app for iOS and Android is quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. This interest rate does not include any other fees and charges. That's why we designed our Student Account to help you get the most out of student life and you can apply as soon as … If you plan to study in the UK, you may be eligible for our Classic Account or another one of our Bank of Scotland current accounts. The rules and regulations for opening a bank account in the UK are very strict. SC327000. Bank where you want with the latest built-in security technology that keeps your details safe and private. Compared to many countries, banking in the UK as a foreign student is usually pretty easy and there's a … You can use our calculator to work out how much your anticipated arranged overdraft borrowing would cost over different periods of time. Scotiabank offers specified programs and bank accounts tailored for the needs of students. To be eligible for the Interest free overdraft you must use your Student Royalties Account as your main current account by depositing at least £750 every 6 months and making at least 3 debit transactions every month. Description. A student account is designed exclusively for university students. Your UCAS confirmation of place letter or a letter from your university or college confirming your place. SC327000. We've had a customer-led Ethical Policy for over 25 years and we put our customers at the heart of everything we do. Upgrading your Bank of Scotland current account to Platinum opens the door to a range of additional benefits from third party insurance providers. Arranged Overdraft Bank of Scotland, instead of attributing my repayments to the balance transfer ending the soonest (september), they have been repaying my balance transfer expiring the latest, which of course led to a situation of them charging an interest fee on my account without any warning!! Proof of address (anything official with your name on it that's less than three months old, but not a mobile phone bill). You will need to be aged 17 or over, on a degree course or equivalent full time education and have been a permanent UK resident for the past 3 years to apply. Good news! - Setting up an arranged overdraft is free and you’ll only pay daily arranged overdraft interest if you use more than your interest-free amount. Get details about student's chequing and savings account. Bank Account. You can choose from the following: We need to see one of the following documents. Banking safely and keeping your details safe, Avoid unknowingly becoming involved in criminal activity as a money mule. Open a Student bank account with NatWest and get 1 of 3 offers. You must be 18 or over to apply. Orientation week is a busy time for banks, so please be prepared to wait to be seen or for an appointment to be available. Opens in a new browser window. They are based on the standard accounts offered by banks, however students are also treated to benefits including freebies and interest-free overdrafts. Find out how fraud can harm you and what you can do to stop it: We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board. We are experiencing a high number of calls at the moment. Internet Banking queries. Request monthly postal bank statements (student visa extension). Swift codes for BANK OF SCOTLAND (BIC codes) Browse through all available bank swift codes used by BANK OF SCOTLAND. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. Visit the Bank of Scotland Twitter page. Remember, you can do most of your banking tasks yourself online, either using our app or through Internet Banking. Total average. It may take up to approximately two weeks to open an account. You’re studying on a full-time course that lasts for at least two years, or on a one year access course leading onto a full-time degree. University of St Andrews - Scotland's first University. We don’t accept expired documents or documents printed off the internet. Visit the Bank of Scotland Facebook page. Apply for an interest free overdraft up to £2,000 (£500 in first term). All overdrafts are subject to application and repayable on demand. A variable annual interest rate of 0% EAREAR is the Equivalent Annual Rate. More and more customers are choosing the flexibility, convenience and safety of banking on their mobile. Find out more about Student Overdrafts: Always try to keep your account in credit. Applying for an account online can be a convenient way to open an account but do bear in mind that you will be required to provide proof of identification and address at a Bank of Scotland branch to complete your application. Browse all Bank of Scotland branches in the United Kingdom. Bank of Scotland plc Registered Office: The Mound, Edinburgh EH1 1YZ. If you don't have your UCAS code you can still apply for a Student account. If you are not eligible for a Graduate Account (for example you leave full-time study before graduating) we will convert your account to a Classic Account (or similar account if it is no longer available). Date posted: October 27, 2013 banker. You'll need to be 18+ and have a confirmed place on a qualifying course at a UK university or college. Sometimes we need to plan for the unexpected and having an arranged overdraft limit set up can provide you with the flexibility of extra money to help tide you over. We’re on or near every campus across the country to offer help to students and we … Students can apply for a Student Account in any Bank of Scotland branch. Bank : Bank of Scotland: Branch finder : Branch Finder: Apply online : Apply Online: Year 1 overdraft ( £ ) 1500: Year 3 overdraft ( £ ) 1500: Year 5 overdraft ( £ ) 2000: Submit review View reviews (2) View ratings. Three things to note about student loans are… You only start paying it back the April after graduating and you’re earning over a certain amount. The Santander 123* student account gives accepted full-time students and apprentices a guaranteed £1,500 overdraft in years one to three. If you attempt to make payments (including Direct Debits) that would take you over your agreed Arranged Overdraft limit, the Bank … Switching your current account to us couldn’t be simpler. Foundation account, a basic account with stripped back features. This is the annual interest rate of an overdraft. Find out more detailed information on overdrafts such as interest rates, charges and managing your arranged overdraft limit. Opens in a new browser window. If you’re a child or teen, our Under 19s Account is the easy way for you to make the most of your money, with a competitive rate of credit interest and easy access to your money. Youth and Student accounts Our Youth and Student Accounts will help you get the right start in life and be prepared for exciting times ahead. Even if you don’t think you’ll get a part-time job or student loan, you’ll need somewhere to hold your money, especially given the ease of contactless and the various budgeting options on offer, it’s easy to see why you’d want a student bank account if you don’t already have one. Monthly fees apply. When you graduate, we’ll still be here to help, converting your student account to a graduate account which also provides an interest-free offering. Year 1 of study - first 6 months from accounts opening, Year 1 of study - months 7 – 9 from account opening, Year 1 of study - months 10 – 12 from account opening. Opens in a new browser window. We’ve got a student bank account with the benefits you need to make your time here a little easier. Phone: +44 131 454 1605, +44 131 454 1606,+44 1733 574121,+44 131 339 2573. General banking & account queries. Visit the Bank of Scotland Twitter page. Current Account. Debt is wiped 30 years after graduating for students from England and … You're aged 17 or over (to apply for an arranged overdraft, you have to be 18 or over), You've lived at a permanent UK address for the past 3 years. Student and graduate accounts, for people who are currently in or have recently left further education. Whether you're looking for a bank account, credit card, loan, mortgage or something else, we're here to help you. This example assumes you are in the second year of your studies. Swift codes also known as BIC Codes is a unique bank identifier used to verify financial transactions such as a Bank Wire Transfer. After applying for a current account online, you will need to provide proof of your identity and address at your nearest branch within 14 days so we can continue with your application. Learn more. You can use it to borrow money up to an agreed limit through your bank account. You can use our eligibility tool to find out if you are eligible for an arranged overdraft. Bank of Scotland. Bank of Scotland Student Account. This means you are charged over the year based on how often and how much you are overdrawn by, and the effect of compounding it – charging interest on interest already charged. Whether you’re studying at university or as an apprentice, a student current account can help you manage your everyday finances. Find out more about the benefits of a Bank of Scotland current account. Arranged overdrafts are subject to application and approval and repayable on demand. Visit the Bank of Scotland Facebook page. Student bank account. This means you are charged over the year based on how often and how much you are overdrawn by, and the effect of compounding it – charging interest on interest already charged. If you don’t meet the eligibility criteria to apply for an Under 19s Account or Student Account – for example if you are over 18 and in work, or an international student – you may be eligible for our Classic Account or another one of our Bank of Scotland current accounts. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 169628. Visit the Bank of Scotland YouTube page. Free everyday banking with credit interest for children and teens. Your sort code and account number won’t change, current United Kingdom, European Union or European Economic Area photo driving licence, all other current signed passports with a valid UK visa, benefits or pensions notification letter confirming the right to benefit, bank, credit card or building society statement showing transactions, current UK driving licence (if it hasn’t been used as proof of your identity), Local authority tax bill for current year, benefits of pensions notification letter confirming the right to benefit (if it hasn’t been used as proof of your identity). Before arriving in the UK it may be useful to ask your bank at home whether they have a special relationship with a particular UK bank and whether this can help you in setting up a bank account. £2,000 in your third year a tiered interest-free arranged overdraft you can do most of your studies simple. Criminal activity as a bank Wire Transfer +44 1733 574121, +44 131 339.... 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