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Graduate Accounts

Company / Account Credit Interest Credit Card Limit Max Free O/D per Year Auth Fees Unauth Fees Apply
Bank of Ireland (NI) / Graduate C/A
Package Year:2010/11

Authorised Overdraft: 0.0% EAR (0.00% pm) - £1
Unauthorised Overdraft:
Fee Details:
- Neg up to £1000(Year 1)
up to £1000(Year 2)
Nil 1% pm min £2 apply
Barclays Bank / Higher Education Account
Package Year:2010/11

Authorised Overdraft: 19.3% EAR (1.49% pm) - £1 to £3K
Unauthorised Overdraft:
Fee Details:
- £4000 up to £1500(Year 1)
up to £1000(Year 2)
Nil Nil j apply
Barclays Bank / Graduate Additions
Package Year:2010/11

Authorised Overdraft: 14.9% EAR (1.17% pm) - £1 to £3K
Unauthorised Overdraft:
Fee Details:£7.00 pm
- £4000 up to £3000(Year 1)
up to £2000(Year 2)
up to £1000(Year 3)
up to £500(Year 4)
up to £200(Year 5)
Nil Nil j apply
i
First Trust Bank (NI) / Graduate Account
Package Year:2009/10

Authorised Overdraft: Negotiable - £1
Unauthorised Overdraft:
Fee Details:
- Neg up to £1000(Year 1)
up to £1000(Year 2)
up to £1000(Year 3)
Nil Nil apply
HSBC / Graduate Bank Account
Package Year:2010/11

Authorised Overdraft: 19.9% EAR (1.52% pm) - £1
Unauthorised Overdraft:
Fee Details:
- Neg £1500(Year 1)
£1000(Year 2)
Nil - apply
i
Lloyds TSB / Graduate
Package Year:2010/11

Authorised Overdraft: 16.8% EAR (1.30% pm) - £1
Unauthorised Overdraft:
Fee Details:
0.10% Neg £2000(Year 1)
£1500(Year 2)
£1000(Year 3)
Nil £15 pm G apply
i
Lloyds TSB / Islamic Graduate Account
Package Year:2009/10

Authorised Overdraft:
Unauthorised Overdraft:
Fee Details:
- Neg £1500(Year 1)
- £15pm apply
i
NatWest / Graduate
Package Year:2009/10

Authorised Overdraft: 17.81% EAR (1.38% pm) - £1
Unauthorised Overdraft:
Fee Details:
0.10% Neg £2000(Year 1)
£1000(Year 2)
£500(Year 3)
Nil Nil apply
Royal Bank of Scotland / Graduate Royalties
Package Year:2009/10

Authorised Overdraft: 9.9% EAR (0.79% pm) - £1
Unauthorised Overdraft:
Fee Details:
1.02% Neg up to £2000(Year 1)
up to £1500(Year 2)
up to £1000(Year 3)
Nil £10 pm apply
i
Santander / Graduate Account
Package Year:2010/11

Authorised Overdraft: 9.9% APR (0.79% pm) - £1
Unauthorised Overdraft:
Fee Details:
0.10% £350 £2000(Year 1)
£1000(Year 2)
£500(Year 3)
Nil £25 per month apply
Santander / Postgraduate Account
Package Year:2010/11

Authorised Overdraft: 9.9% APR (0.79% pm) - £1
Unauthorised Overdraft:
Fee Details:
0.10% £350 £1000(Year 1)
£1250(Year 2)
£1500(Year 3)
£1800(Year 4)
Nil £25 per month apply
Ulster Bank / Graduate Account
Package Year:2009/10

Authorised Overdraft: Negotiable - £1501
Unauthorised Overdraft:
Fee Details:
0.01% £350 up to £1500(Year 1)
Nil Nil apply
i

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