Graduate bank accounts still come with a 0% overdraft. 89% and a usage. For the security of customers, any unauthorised attempt to access customer. 99 per year)*. They'll automatically change unless you evidence further study. Quoted from NatWest's website: If you hold a Student account and are graduating this year, we will be in touch to let you know we will be moving you onto a Graduate account in July/August. Santander is one of the best student banking accounts in the UK on many levels. 5. I have had a natwest student account during my 3 years at university, and now that I have graduated I have received a letter saying it has been upgraded to a graduate account. Royal Bank of Scotland. 99%: Overseas cash withdrawals: 2. HSBC: up to £3,000 0% overdraft + £100 free cash. I had a 1400 overdraft with Natwest (old student account) and never went over this or had any. To earn £5 rewards, you earn £4 a month back in rewards for 2 or more Direct Debits (at least £2 each) and an additional £1 a month back in rewards with 1 mobile app log in. But the good news is that you can still apply for a NatWest Select Account, which is a great choice in its own right. Graduate bank accounts are designed as a stepping stone to give you some time to pay off your overdraft without interest before entering the big bad world of regular fee-charging overdrafts. Understand arranged and unarranged overdrafts and their impact on your account. Does Natwest allow you to have an overdraft on your student account. Students can a apply for up to £3,250 interest free from year three onwards*. NatWest – 4%. (variable) up to 18. Up to £2,000 in your 3rd year and any further years of. The Graduate account can have an Overdraft of £2000 but only if you ask for it to be increased. On average, students rated their bank 3. To apply, you'll need to be 18+ and have graduated in the past 2 years. Just follow these 3 simple steps: Open the NatWest app and click on your chosen current account. Now I'm in my 2nd year of Uni and after maxing out everything (1,000. Report. Apply Transfer a Santander account. NatWest Student Account - Apply online only. Apply or manage your overdraft; Student overdraft; Graduate overdraft; Help with overdrafts . Yeah they reduce the interest free overdraft over three years once you've graduated. You won’t pay interest on an. Manage your money, protect your goods. The graduate account has 2k interest free. Apply or manage your overdraft; Student overdraft; Graduate overdraft; Help with overdrafts . written by on 04/10/2010. Benefits The Natwest Student Account gives you £80 in cash and a four-year Tastecard which is worth £35 per year. You can apply for up to £3,250 interest free from year three onwards*. NatWest Student Account. You'll also get your hands on a contactless debit card. Personal credit cardsIf you’re a UK resident, you’ll get a guaranteed interest-free overdraft of up to £1,000 after you’ve successfully opened the Student Bank Account. 3. Natwest offers arranged overdrafts to students who have lived in the UK for a minimum of 3 years. Cora can support you with a wide range of queries 24/7 and helps to show you how to do your banking. 49% interest rate. Your arranged overdraft is interest-free with a FlexStudent or FlexGraduate account. Help with everyday banking. So did that last week and literally in the last hour or so my account has changed online to a. ›Budgeting & bank accounts. Unfortunately, for all other. Open a student bank account. I have a student account with NatWest which was advertised as coming with an interest free overdraft. Natwest offers arranged overdrafts to students who have lived in the UK for a minimum of 3 years. Graduate accounts may continue to offer a low or interest-free overdraft facility which decreases over time, giving you the opportunity to. For the security of customers, any unauthorised attempt to access. Upto October I had been putting what I could in to cover the charges I was getting because they "upgraded" me to a graduate account and interest was now bein. You’ll get 3% AER on your in-credit balance of £300-£2,000. Interest on fees and charges is payable. Student satisfaction scores. Over the next five years through NatWest Thrive, we want to help 1 million young people improve their financial wellbeing so they can feel more confident about their future. Natwest Graduate 2023; Can I open a student bank account if I already have a current account? Proof of address natwest; 2023 Summer Internship. Please note that this tool does not provide any indication of approval. To apply you must be 18+ and resident in Jersey, Guernsey, Gibraltar or the Isle of Man. The NatWest and RBS student accounts start with a definite £500 0% overdraft (as long as you're approved for an overdraft. Hi guys, i took out a overdraft from the bank last term. Similar account perks include the ability to pay on the move with Apple or Google Pay, online banking, mobile banking, and Paytm connectivity. Alas, all good things must come to an end. Natwest overdrafts are currently 39. earn at least £10k per year, be a UK resident, a NatWest current account holder and must not already have NatWest Buy Now Pay Later. Whether you want to manage your money better, develop a future skill, or live more sustainably, there’s. Invest up to £9k per child for the current tax year. If this happens, we’ll charge you a fee on the extra amount you go overdrawn. Typically, current account providers start charging interest on student overdrafts two years after you graduate. Compare Cash ISA accounts. The NatWest and RBS student accounts start with a definite £500 0% overdraft – after your first term you can request for it to. it was simply gradually restored back to positive as. Personal accounts. my account is with natwest for my student banking and it turns out they have been charging me interest since june at least on my overdraft. * Eligible students in third year onwards can apply for up to £3250 from 2nd October 2023. earn at least £10k per year, be a UK resident, a NatWest current account holder and must not already have NatWest Buy Now Pay Later. Only one 1I2I3 Graduate Current Account can be open at. Log in to NatWest Online Banking. NatWest. It costs £680, but means any money you owe will be written off. With graduation dates set and debts looming, it’s time to start thinking about your future and finance. Subject to lending criteria. Switch to First Direct. An overdraft lets you borrow extra money through your current account. Free 12-month subscription to online library Perlego. Must be 18 or over and living in the UK permanently. To open a student bank account with Halifax, you have to meet the following requirements :¹. Your existing £1,500 overdraft facility will increase to £2,000 for 12 months. I applied for a Natwest student account a few days ago and got accepted. To apply, you must be 18+ and a UK resident with a NatWest current account (held for 3+ months). Overdraft amounts for the graduate account are £2,000 for the year after graduating, £1,500 after two years and £1,000 in your third year. Download the NatWest app. It allows you to withdraw more money than is in your account. Championing kids and teens to be confident with their financial wellbeing. Your overdraft will be reviewed, probably, when you leave University. Use of your account Your 1I2I3 Graduate Current Account will last up to 2 years before it automatically transfers to an appropriate current account. To apply you must be 18+ and a UK resident. This starts with up to £500 during your first term. You can only hold one cash ISA with NatWest and must not open another cash ISA with any other provider in the same tax year. I applied for an overdraft and it has been rejected. Hi, I have a student bank account with Natwest. However, it’s worth noting that, unlike student bank accounts, this overdraft will charge interest, meaning you’ll end up repaying more than you borrow. To apply you must be 18+, earn at least £10k per year, be a UK resident, a NatWest current account holder and must not already have NatWest Buy Now Pay Later. Does anyone know if Natwest let you increase the overdraft early if you call them?Current accounts. You could be eligible for an interest-free limit up to £500 in your first term and £2,000 thereafter. This is needed for both you and the party you are adding to the account. On your mobile or tablet, go to the App Store if using Apple or Google Play if using Android. Mobile app required and available with compatible iOS and Android devices and a UK mobile number. Capital One Graduate Programme 2024; Oxford College hurt/heal; Border Force Applications 2023;NatWest Student account and overdrafts. Duration of arranged overdraft. Freebies in 2023. You’ll also earn interest at an agreed rate. Up to £3,250 interest free from year three onwards*. Personal banking complaints team: available Mon-Sat, 8am-5. The full details of their current offer are as follows: An initial interest-free overdraft of £500. Which they will then be put on a specific Graduate account plan once they graduate in order to pay the. 13. You can still borrow. We would like to show you a description here but the site won’t allow us. 0. I had my student loan paid into it for 1 year while i was at uni until i left at that time (2004). written by Laurac1 on 28/05/2013. if you ever went into minus numbers (i. That £1,000 facility will then either be removed, or revert to bearing interest. You’ll need to have a student current account as well, and be over 18. An interest-free overdraft is one of the most beneficial aspects of a student account, and few accounts can compete with Nationwide on this front. Whether you're starting a side hustle or looking for tips to improve your. Apply for an interest-free overdraft up to £1,500. NatWest Student. Usually, the main benefit is an interest-free overdraft. You can only hold a maximum of 1 Reward account in your name, and 1 joint names. 87 out of 5, suggesting a general satisfaction with the accounts. uk Gift Card. We would like to show you a description here but the site won’t allow us. Student overdrafts are designed to assist students during their academic years, helping cover living expenses or unexpected costs. Have £500k minimum mortgage borrowing with us. Replacing lost or damaged cards. No Charge. Over the next five years through NatWest Thrive, we want to help 1 million young people improve their financial wellbeing so they can feel more confident about their future. You'll usually be. Book a Financial Health Check. 65 a day. By mobile - your step-by-step guide: Open the NatWest banking app and select the ‘Payments’ icon at the bottom of the screen. I currently have £0 deposited… WVL. Free four-year 16-25 Railcard Student for existing current account customers who switch to a student account. Year 3: from 2nd October 2023, eligible students from year 3 onwards can apply for up to £3250. 30pm. When you graduate, your 1I2I3 Student or 1I2I3 Postgraduate Current Account will automatically transfer to a 1I2I3 Graduate Current Account. The Graduate account can have an Overdraft of £2000 but only if you ask for it to be increased. Up to 15% cashback at some of your favourite retailers. Co-Op does not have a "graduate account", so if you graduate after 3 years, the student account is supposed to be extended for 12 months after graduation, then the overdraft is set at 0 unless otherwise prearranged. I still have access to the £2,000 student overdraft (no fees), despite NatWest stating the account turns into a graduate account after leaving uni, with the overdraft dropping to £1,000 after a year, and presumably with associated fees. 0. It depends on the area but I know my bank were surprised to hear I wasn't into my overdraft as a student and described it as unusual. Graduate accounts are available for two years. To check your eligibility, we’ll need you to update your ideal overdraft amount in step 4. £100 cash and free 4 year tastecard sign-up offer. I have a natwest student account that has become a graduate account, which originally had a £2000 overdraft limit. You should receive about 1200. If you have money guaranteed to come in, then they'll be more likely to give you an extended overdraft. With the NatWest graduate account, you’ll retain access to an interest-free arranged overdraft for up to two years. Year 2: £1,000 Additional arranged overdraft agreed above your interest free entitlement will be charged at 19. NatWest will notify you about this ahead of time and it doesn’t require any action on your part, so it’s an easy transition. You’ll need a device that has a camera or webcam, and a connection to the Internet. The maximum Student overdraft is £3,250. With Halifax it just stays a student account for a year after you graduate, so you still get an interest free overdraft. Providing copies of paid cheques. Manage your credit card. Following the second year after graduation you’ll be charged interest at 39. This means that, while you’re a student, you don’t need to pay any interest if you dip into your ‘arranged’ or ‘agreed. Pay with your debit or credit card – it’s a safer way to pay and gives you more protection. Halifax: 0% overdraft of up to £1,500 which can last for three years after you graduate. Choose from our fee-free account or view our full range of accounts. I had paid it off in the time scale specified and then they changed it to a Select account, where I would be charged if I went into my overdraft again. This charge also applies to providing details of paid cheques. We've ranked and reviewed the best student bank accounts as well as the top graduate accounts on offer. Student, Graduate or Select account. You need to also pay in £1,250 to an eligible NatWest account every month. Best student accounts 2023/24. So pay off your overdraft with your savings and you're about £190 per £1,000 up each year. Save money in a tax efficient way. 75% fee for withdrawals abroad: Perks: £100 cash: £100 cash and a 4-year TastecardIf you decide to apply for an overdraft, that's when we run a full credit check. You can’t request that a cheque is paid to multiple accounts, we will only accept; 1 cheque with 1 paying-in slip or multiple cheques with 1 paying-in slip If the cheque(s) is in pounds sterling, they will be processed within 5 working days of receipt, foreign cheques can take up to 12 weeks to be processed and for funds to be receivedPart of Natwest's graduate package is to provide an interest-free overdraft of £2000, falling to £1000 after the first year of graduation, then £500 after the second year, then to zero after three years. There may also be limits depending on what year of study you’re in. Apply today and you could get a £500 interest free student overdraft for term one year one, with the option to increase up to £2,000 from term two year one. What Are Natwest’s Overdraft Interest Rates? If you’re using a Natwest student or graduate current account, you’ll be glad to hear that those accounts have a 0% interest rate on overdrafts. Breakdown your budget. Benefits of the NatWest Student Account. However, I'm in quite a difficult situation at the moment. I need some advise as I've been driving myself crazy wondering what is going on. 9 July 2009 at 6:12PM. Royal Bank of Scotland (RBS) and NatWest customers will pay up to 39. otherwise you might find that a cashback offer is undone by a high account or overdraft. Close. An arranged overdraft could be useful for short term borrowing. About NatWest Thrive. reply. With the NatWest Student account you could get an interest-free overdraft of up to £2,000 in your first year, potentially rising to £3,250 in your third year. The TSB student account offers an overdraft facility, and there’s no interest to pay if you keep below the limit you’ve agreed with the bank. If you already have an arranged overdraft limit on your account that you feel is too low or too high, we could help you change it. call 08457 888 444, select loans and overdrafts then student overdrafts, ask them to increase. Cheetah Forumite Posts: 157 Forumite Posts: 157Barclays, Co-op and TSB offer student bank accounts, but they are among the few not offering any perks on top of the interest-free overdraft of up to £2,000. Then, once you have paid £500 into your account, you’ll receive the allowances below. The arranged overdraft limit can be up to £510 for the first 6 months, than you can apply to increase it up to £1010 in your 7th to 9th month of studying, and from the 10th month you can apply to. Often banks charge hefty fees and interest for the privilege, but student account overdrafts are interest-free. So you'll need a plan on how to pay it back, ideally before the. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian český русский български العربية UnknownArranged overdrafts are designed for short-term borrowing, and you're only charged for the amount you use. Customer Service. Your current address. With no monthly account fee. F 7 667585 27/2/08 13:54 Page 2 PROOF 7 Graduate Accounts Current Account Loan Credit Zone Overdraft Overdraft Repayment Plan Application Form client account THE ROYAL BANK OF SCOTLAND RBK-LITERATURE. 2 January 2013 at 7:57PM in Budgeting & bank accounts. Top graduate accounts: HSBC – up to £3,000 overdraft in year 1. No Charge. play button. Students have faced a mixed picture on their monthly rental and accommodation spending since 2018, with the pandemic disrupting a steady increase. Hi guys, so I used my NatWest student bank account's arranged 0% interest overdraft today, and used the max, so £2000. student bank accounts tend to offer the same features as standard bank accounts alongside interest-free overdrafts and student incentives such as discounted. In the third year of your Graduate account, you could benefit from up to £1,250 interest-free arranged overdraft. including how long they will have to repay their overdraft with a graduate bank account. Manage your home insurance. RBS Student Bank Account. Your arranged overdraft will continue indefinitely unless we specify an end date or you ask to end it. On this page Overview Change an overdraft limit Student overdrafts Common questions. Available 24 hours, 7 days a week Business accounts. 39. student account: 2000. The Arranged Overdraft limit you can apply for depends on what term and year of study you are currently in. If you have a Graduate account with an arranged overdraft limit of £3,250 following the first year after graduation and you use all of this, you will be charged arranged overdraft interest at 39. OK. Available to over 18s only. You can ask HSBC to increase this limit up to £2,000 in. You'll have to. Our Student bank account comes with: £100 cash and a four-year tastecard. Despite having graduated in '06, I still have a £1,000. 9% EAR on overdrafts of over £1,500. HSBC offers a student bank account in the UK that comes with a plethora of benefits. A video chat with one of our friendly senior personal bankers could help you review your money situation. Set up. NatWest new student account closure with no explanation. Eligibility criteria apply. protect you and comply with laws – we must share information about how you manage your account, like payments made in, your balance, credit limits and any missed loan payments. HSBC. There are no fees, no charges and no interest to pay. Interest Rate (AER) 0. N/A. Available 24 hours, 7 days a week Credit cards. According Natwest's site the student account is turned into a graduate account when you graduate. What is the interest rate on a NatWest student graduate account? Representative 39. Already have overdraft increased to 2k for my post grad degree starting in september. a. 01. I have been accepted for a student account with Natwest, they haven't sent me any confirmation of that yet but i know it has changed as my online banking now says student/graduate account, but there;s no overdraft facility yet? I have been offered a place and have a letter confirming this, i'm a mature student. Select 'View current interest charges' You. I understand that I need to register to online banking and select Paperless Statement in order to get full access to our student benefits. 4 year tastecard – to be used for meals out, discounted cinema tickets and shopping offers. So it goes a bit like this. Some banks may let you have up to £3,000 on your student overdraft, while others may set a lower limit. (variable) up to 18. 49% balance transfer fee (a fee to move your balance from another card). . I am very confused as my. Your student and maintenance loans repayments are frozen until you start to earn over £25,000 but many people forget to consider their student bank accounts overdraft is also a loan, and one. They can go through your day-to-day spending and help you with ideas on how you could make your money work harder. 3. If you have a Natwest student account, it'll be automatically changed to a graduate account once you've graduated. This is available in the first year of study and is intended to help students manage. App available to personal and business customers. usually two years after you graduate. Lloyds Bank joins the others in offering a cash bonus of £100, as long as you deposit at least £500 by 31 October 2023. Maximum Arranged Overdraft limit allowed (subject to approval): If you're a student in the first term, of your first year of study, you can apply for up to £500. If you have a Graduate account with an arranged overdraft limit of £3,250 following the first year after graduation and you use all of this, you will be charged arranged overdraft interest at 39. To apply you must be 18+, earn at least £10k per year, be a UK resident, a NatWest current account holder and must not already have NatWest Buy Now Pay Later. Interest-free overdraft - get an overdraft of up to £2,000 from year one (Limited to £500 in term one, year one) with an instant online decision. Providing copies of paid cheques. Please Help. For example, if you have no money left in your account and you spend £30, your balance would be -£30. To apply you must be 18+ and a UK resident. you may apply for a basic Natwest student account. Some banks offer preferential terms up to 3 years for their graduate account holders. Usually at this point your "graduate" account will be converted to the bank's standard current account. It also means that anything you own may have to be sold to pay off debts – this can include your home, car or any luxury items. Natwest offers arranged overdrafts to students who have lived in the UK for a minimum of 3 years. When you graduate, your 1I2I3 Student or 1I2I3 Postgraduate Current Account will automatically transfer to a 1I2I3 Graduate Current Account. Other loan amounts are available at alternative rates. The interest free overdraft only lasts a year after graduation before it is reduced. Already have overdraft increased to 2k for my post grad degree starting in september. To apply you must be 18+, earn at least £10k per year, be a UK resident, a NatWest current account holder and must not already have NatWest Buy Now Pay Later. Offer T&Cs apply. Set up a standing order to save your money and consider turning on Round Ups to squirrel away the spare change (Eligibility criteria apply. What. About NatWest Thrive. 68/£13,000. Natwest are crap, you can keep your student overdraft 1600 max I think for 5 years, then the 'graduate' accounts have about 500 free overdraft and that's it. The new student account offers an interest free overdraft*, as well as a. Card payment support. ². If you've graduated recently, see if you can ditch and switch your account to save £100s in interest. We would like to show you a description here but the site won’t allow us. Help with everyday banking. Graduate Current Accounts - Four Star. CryptoThe FCA said with the increase in interest rate from 19. Which. Graduate Trainee – NatWest Markets - Quantitative Analyst. You’ll need to have a student current account as well, and be over 18. 1 Overdraft rates and fees This current account comes with an interest-free and fee-free Arranged Overdraft. Other loan amounts are available at alternative rates. Everytime I go into online banking they are advertising it to me, on the mobile. . Graduate overdraft; Help with overdrafts . In the fourth year after you graduate you will automatically move onto a Select account and your arranged overdraft will no longer be interest free. Apply for an interest-free overdraft of up to £1,500 over the course of your studies. You’ll need to have a student current account as well, and be over 18. Natwest Finance Graduate 2024; I’ve been scammed; Cifas removal. you have held a Student Current Account with Halifax; you do not deposit at least £500 into your account by 31st October 2023. Choose the amount you wish to send, add. Lloyds Student account: Barclays Student account: NatWest Student account: Apply: Anytime during studies: Anytime during studies – though only first year students get the perk: Anytime during studies: 0% overdraft years 1-3: £500 in term 1Up to £1,500 for years 1-3: Term 1: Up to £500 Year 1: Up to £1,000 Years 2 & 3: Up to £1,500:. 5% interest and if you were only repaying £10 a month its very possible the interest was more than the repayment meaning the balance was increasing and at some point may have exceeded your agreed overdraft limit. £21 - between our branches. It's just a regular account with no overdraft but the problem is it's now friday so the money won't go in till monday and my local natwest is closed so i can't pay it over the counter. ##. There are larger overdrafts with some other student accounts. To hold this account, you need to pay £1,250 into an eligible NatWest account every month. NatWest’s new 2023 student banking offer includes: £100 cash welcome gift, transferred directly into your account. an overdraft is basically borrow money from the bank. 49%. Representative 0% APR (variable) Buy Now Pay Later is a credit product. It’s worth checking with your bank what the repayment conditions are for your overdraft when you transfer to a graduate account though so you don’t get caught out, and there may also be a. While NatWest doesn't charge student borrowers its new overdraft rate of 39. Overdraft calculator. City. Smarter banking for your life after uni. You’ll need to have a student current account as well, and be over 18. Year 1: up to £2,000* Year 2: up to £1,000. That means being overdrawn by £1,000 for two weeks in a month will cost you £6. Tell them before they realize. You can then select My Overdraft. But the figure declined to £437. New customer - Student or Graduate? You'll need a NatWest account to have an overdraft with us. No Charge. If you £250 into your overdraft and a student loan of say £1215 goes into the account then your account will be +£975(that is £1215 – 250). Overdrafts are repayable on demand. Sometimes, it helps to speak to an expert. So if your overdraft's up to £350, it pays some off and the rest is interest free. 05 * 100 = £1. Never had any problems with Natwest in that time. Natwest International Student Account has a lot of benefits like arranged overdrafts for eligible students’ accounts and other perks. They consider everyone who has graduated to be in a position to pay off overdrafts and debts and offer little help for. Lloyds, for example, moves graduating students on to its Graduate Account, which lets customers apply for an interest-free overdraft that gradually reduces each year; up to £2,000 in the first. How graduate bank accounts work. Business or Foundation Current Account to a Student Account. However I recently found out that Santander offer a railway card which would mean 1/3 spent on travel for me compared to paying the full cost per month on pay as you go. 1. Manage your investments. 49%. When you graduate, we'll gradually. Account holders are able to access the HSBC 5. Top-pick student bank accounts. At the moment, NatWest and RBS customers are charged up to 19. Nil. You’ll need to have a student current account as well, and be over 18. All accounts below automatically turn into a graduate account once your course ends, which continues the 0% interest overdraft for a further two or three years – though the interest-free limit drops each year. A student bank account is a current account that’s designed for people in higher education. You would have had a student account until around a year after graduation (so 2007/2008 depending on your course length) then it switches to a graduate account with the same interest free overdraft for three years. One of the most attractive features is the interest-free overdraft, which starts at £1,000 in the first year and increases to £3,000 by the third year, which is higher than most banks on our list. Original post by tigermoth99. Interest-free overdraft - get an overdraft of up to £2,000 from year one (Limited to £500 in term one year one), with an instant online decision. 31, which is still much cheaper than Lloyds Bank and TSB, as NatWest/RBS don’t charge a monthly overdraft fee. You can also set up alerts by calling us or talking to us. Overdrafts under £500. It forced me to be disciplined enough to pay the. Since I graduated last year I've had an overdraft of around -1300 and used it all up. That £1,000 facility will then either be removed, or revert to bearing interest. Postgraduate Bank Accounts (UK Students) Bank Account Name Overdraft Perks; RBS / Natwest: Student Bank Account: £500 in the first term, up to £2,000 after that: A National Express Young Persons Coachcard - valid for 4 years – giving you 1/3 off coach prices with National Express: HSBC: Student Bank Account: £500. Multiple Student Accounts; NatWest student overdraft; Overdraft; Santander bank;. Finally, once you graduate, you’ll be automatically migrated to a Graduate Account,. Report. stargazeypie Posts: 20 Forumite. If you are an Online Banking customer and complete the form using your log in details, we complete many of the fields for you. 925dancer Forumite Posts: 537 Forumite. Mine is £1500 the first year as a graduate, reduced to £1000 in the second year. Interest-free overdraft - get an overdraft of up to £2,000 from year one (Limited to £500 in term one year one), with an instant online decision. I have 2 small kids and my husband supports us all financially but with the rising costs of just about everything, it would be nice to have it there for emergency purposes!! The only. Start with just £50 and top-up with as little as £10. If you’re 17 or over and heading to university, NatWest’s Student Bank account offers discounts and an interest-free overdraft. Plus, the bank is well-established, has an easy-to-use app and hundreds of. Select 'View current interest charges'. Start saving instantly. Overdrafts guide; Overdraft eligibility calculator. You’ll be able to get a Financial Health Check, apply for a loan and more.