bank of scotland student account

Apply for an interest free overdraft up to £2,000 (£500 in first term). Aged 17 or over and in full time education? A student account is designed exclusively for university students. So that we can support those in the most vulnerable situations please only call if it is urgent. If you don’t meet the eligibility criteria for a Bank of Scotland Student Account you may be eligible for our Classic Account or another one of our Bank of Scotland current accounts. Call us on 0345 721 3141 (Mon-Fri 8am-8pm, Sat 8am-6pm and Sun 9am-5pm). original letter on headed paper issued by educational institution confirming place on a course (must confirm full name, UK and overseas address, start and end date of course). Arranged overdrafts are subject to application and approval and repayable on demand. You will need to prove your student status when opening your account, something we'll come to later in the guide. Make sure you ask about bank charges. We’re on or near every campus across the country to offer help to students and we … We are experiencing a high number of calls at the moment. Learn more. More and more customers are choosing the flexibility, convenience and safety of banking on their mobile. Students can apply for a Student Account in any Bank of Scotland branch. They list the top international student bank accounts for 2020, along with reviews of each provider and are also a good source of information for other student finance matters. Use the unique code at our railcard website to order your free 16-25 Railcard. Email: security@bankofscotland ... Category. Bank of Scotland plc, Registered in Scotland No. 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. Request monthly postal bank statements (student visa extension). To apply for a Bank of Scotland Student Account you must be 17 or over and be studying for a full-time course that lasts for a minimum of two years or be on a one year access course leading onto a full-time degree. Arranged Overdraft Up to £2,000 in your first year after graduation, £1,500 in your second year and £1,000 in your third year. Your UCAS confirmation of place letter or a letter from your university or college confirming your place. We've had a customer-led Ethical Policy for over 25 years and we put our customers at the heart of everything we do. 60 / 100. Opens in a new browser window. Find out more about Student Overdrafts: Always try to keep your account in credit. And with so many options on offer, figuring out which account best suits your needs can be tricky. Most banks actively target students in the hope that once you’ve graduated and start making money, you’ll stick with them. You can use our eligibility tool to find out if you are eligible for an arranged overdraft. As an example, the interest cost of borrowing £500 is: You can use the representative APR to compare with other products or credit providers, this can help you make sure that you chose the right type of borrowing for you. Debt is wiped 30 years after graduating for students from England and … Packed with everything you need to make the most of your time as a student. Visit the Bank of Scotland Twitter page. Got any questions? Bank Account. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. 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. 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. click for details of the under 19's account, Please Enter to access social media links. Foundation account, a basic account with stripped back features. Adept account, for children aged 11-18. 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. Technical queries about the Internet Banking service 0345 602 0000 Find out more detailed information on overdrafts such as interest rates, charges and managing your arranged overdraft limit. You can apply for a tiered interest-free arranged overdraft (subject to application and approval). 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!! 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. Get a Student Account with a great range of benefits and discounts. 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. Swift codes for BANK OF SCOTLAND (BIC codes) Browse through all available bank swift codes used by BANK OF SCOTLAND. General banking & account queries. You also get a four-year 16-25 Railcard (worth £90ish) which gets you a third off rail travel, though you may not be travelling as much as normal with coronavirus travel restrictions and more online lectures. Switching your current account to us couldn’t be simpler. Compared to many countries, banking in the UK as a foreign student is usually pretty easy and there's a … 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. If you don’t have the documents listed above, we may be able to accept others so please speak to a member of staff if you have any questions about this or any of our services. If you are a full time 3rd level student aged 25 years or younger and studying for an undergraduate or postgraduate qualification, you can apply for a 3rd level current account now. This example assumes you are in the second year of your studies. You'll receive your 16-25 Railcard within 5 working days of completing your order. All overdrafts are subject to application and repayable on demand. We are experiencing a high number of calls at the moment. We need to see one of the following documents. This document must show your full name. Orientation week is a busy time for banks, so please be prepared to wait to be seen or for an appointment to be available. 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. 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. Whether you're looking for a bank account, credit card, loan, mortgage or something else, we're here to help you. Bank of Scotland Bank Account conditions (PDF), Student Account Fee Information Document (PDF), Graduate Account Fee Information Document (PDF). A variable annual interest rate of 0% EAREAR is the Equivalent Annual Rate. 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. Remember, you can do most of your banking tasks yourself online, either using our app or through Internet Banking. The Student Royalties account must be your main bank account receiving regular deposits. Date posted: October 27, 2013 banker. This document must show your full name and current address. You'll need to be 18+ and have a confirmed place on a qualifying course at a UK university or college. If you do use your Arranged Overdraft, try to never go over your agreed limit. You’ll get a Bank of Scotland VISA contactless debit card, providing a faster way to pay for your everyday essentials. An arranged overdraft can act as a short term safety net. This is the annual interest rate of an overdraft. Free everyday banking with credit interest for children and teens. Remember, you can do most of your banking tasks yourself online, either using our app or through Internet Banking. Terms and Conditions apply. T&C’s apply. SC327000. The amount of your arranged overdraft that is interest-free will depend on your year of study. International Student Bank Account | Royal Bank of Scotland - RBS 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. Proof of address (anything official with your name on it that's less than three months old, but not a mobile phone bill). Visit the Bank of Scotland Facebook page. 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. Visit the Bank of Scotland YouTube page. To be eligible for a Bank of Scotland Student Current Account, you’ll need to be studying on a full-time degree course (or equivalent) that lasts at least two years, or a one-year course that leads to a full-time degree. Upgrading your Bank of Scotland current account to Platinum opens the door to a range of additional benefits from third party insurance providers. If you’re studying at or going to university soon, our Student Account is full of smart extras that will help you keep on top of your finances so you can focus on your studies and enjoy yourself. Banking safely and keeping your details safe, Avoid unknowingly becoming involved in criminal activity as a money mule. 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. How much does my overdraft cost in pounds and pence? For those looking for more of an academic benefit, Barclays’ student account gets you a subscription to Perlego, the “Spotify of textbooks”, which gives you access to more than 400,000 titles. All documents must be the most recent ones. Opens in a new browser window. 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 credit interest and easy access to your money. Opens in a new browser window. Browse all Bank of Scotland branches in the United Kingdom. This interest rate does not include any other fees and charges. The Santander 123* student account gives accepted full-time students and apprentices a guaranteed £1,500 overdraft in years one to three. 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. An interest-free and fee-free tiered Planned Overdraft (subject to application and approval) of up to £1,500 is available in year 1 (£500 for the first 6 months, £1,000 in months 7-9 and £1,500 after this). Good news! We’ve got a student bank account with the benefits you need to make your time here a little easier. 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. SC327000. EAR is the Equivalent Annual Rate. When you are no longer eligible for the Student Account, for example you graduate from your course, we will convert your account to a Graduate Account, unless you make alternative arrangements with us. 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. Open a Student bank account with NatWest and get 1 of 3 offers. Visit the Bank of Scotland YouTube page. The Royal Bank of Scotland offer a variety of current accounts, including: Select account, an everyday current account. Visit the Bank of Scotland Facebook page. Opening a bank account - International and EU students. This is the annual interest rate of an overdraft. Scotiabank offers specified programs and bank accounts tailored for the needs of students. Can I switch my Bank of Scotland Business Current Account after taking out a Business Loan? 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. If you don't have your UCAS code you can still apply for a Student account. Bank of Scotland plc Registered Office: The Mound, Edinburgh EH1 1YZ. Monthly fees apply. Student bank account. Apply for our Student account using our simple application form. Student and graduate accounts, for people who are currently in or have recently left further education. This interest rate does not include any other fees and charges. They are based on the standard accounts offered by banks, however students are also treated to benefits including freebies and interest-free overdrafts. Opens in a new browser window. 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). It may take up to approximately two weeks to open an account. Download the statement of responsibilities, Please Enter to access social media links. We have plenty of features and helpful information to assist you in getting the most out of your Bank of Scotland current account. A current account designed for students in full-time education and apprenticeships. You can choose from the following: We need to see one of the following documents. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 169628. You can choose from the following: We reserve the right to ask for additional documents. To accept cookies continue browsing as normal. If you attempt to make payments (including Direct Debits) that would take you over your agreed Arranged Overdraft limit, the Bank … Service 0345 602 0000 a student codes also known as bic codes below belong to bank Scotland. Weeks to open an account detailed information on overdrafts such as interest rates vary based on your year of.... 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