Student Accounts

Company / Account	Credit Interest	Credit Card Limit	Max Free O/D per Year	Auth Fees	Unauth Fees
Bank of Ireland (NI) / Student C/A Package Year:2010/11 Authorised Overdraft: 0.0% EAR (0.00% pm) - £1 Unauthorised Overdraft: Fee Details:	0.50%	£250	£400(Year 1) £500(Year 2) £500(Year 3)	Nil	1% pm min £2
Bank of Scotland / Student Package Year:2010/11 Authorised Overdraft: 7.2% EAR (0.58% pm) - £1 Unauthorised Overdraft: Fee Details:	0.10%	Neg	up to £3000(Year 1) up to £3000(Year 2) up to £3000(Year 3) up to £3000(Year 4) up to £3000(Year 5+)	Nil	£28 pm
Barclays Bank / Student Additions Package Year:2010/11 Authorised Overdraft: 8.9% EAR (0.72% pm) - £1 to £3K Unauthorised Overdraft: Fee Details:	-	£600	up to £2000(Year 1) up to £2000(Year 2) up to £2000(Year 3) up to £2000(Year 4) up to £2000(Year 5)	Nil	Nil j
Clydesdale Bank / Student Account Package Year:2010/11 Authorised Overdraft: Year 1: 7.49% EAR (0.60% pm) - £1 to £1K. Year 2 onwards: 7.49% EAR (0.60% pm) - £1 to £3K Unauthorised Overdraft: Fee Details:	-	£500		Nil	Nil
The Co-operative Bank / Student Package Year:2010/11 Authorised Overdraft: 9.9% EAR (0.79% pm) - £1 Unauthorised Overdraft: Fee Details:	-	Neg	£1400(Year 1) £1700(Year 2) £2000(Year 3)	Nil	Nil
First Trust Bank (NI) / Student+ Account Package Year:2009/10 Authorised Overdraft: 0.0% EAR (0.00% pm) - £1 Unauthorised Overdraft: Fee Details:	-	Neg	up to £1850(Year 1) up to £1850(Year 2) up to £1850(Year 3) up to £1850(Year 4)	Nil	Nil
HSBC / Student Bank Account Package Year:2010/11 Authorised Overdraft: 3.0% ABR - £1 Unauthorised Overdraft: Fee Details:	1.98%	£500	up to £1000(Year 1) up to £1250(Year 2) up to £1500(Year 3) up to £1750(Year 4) up to £2000(Year 5+)	Nil	-
Halifax / Student Package Year:2010/11 Authorised Overdraft: 7.2% EAR (0.58% pm) - £1 Unauthorised Overdraft: Fee Details:	0.10%	Neg	up to £3000(Year 1) up to £3000(Year 2) up to £3000(Year 3) up to £3000(Year 4) up to £3000(Year 5+)	Nil	£28 pm
Lloyds TSB / Student Package Year:2009/10 Authorised Overdraft: 8.2% EAR (0.66% pm) - £1 Unauthorised Overdraft: Fee Details:	0.10%	£500	£1500(Year 1) £1500(Year 2) £1500(Year 3) £2000(Year 4) £2000(Year 5) £2000(Year 6)	Nil	£15 pm G
Lloyds TSB / Islamic Student Account Package Year:2009/10 Authorised Overdraft: 0.0% EAR (0.00% pm) - £1 Unauthorised Overdraft: Fee Details:	-	-	£1500(Year 1) £1500(Year 2) £1500(Year 3) £2000(Year 4) £2000(Year 5) £2000(Year 6)	Nil	£15pm G
NatWest / Student Package Year:2009/10 Authorised Overdraft: Unauthorised Overdraft: Fee Details:	0.10%	£500	up to £1250(Year 1) up to £1400(Year 2) up to £1600(Year 3) up to £1800(Year 4) up to £2000(Year 5)	-	Nil
Royal Bank of Scotland / Student Royalties Package Year:2009/10 Authorised Overdraft: Unauthorised Overdraft: Fee Details:	1.02%	£500	up to £2750(Year 1) up to £2750(Year 2) up to £2750(Year 3) up to £2750(Year 4) up to £2750(Year 5)	-	£10 pm
Santander / Student Current Account Package Year:2010/11 Authorised Overdraft: 9.9% APR (0.79% pm) - £1 Unauthorised Overdraft: Fee Details:	1.98%	£350	£1000(Year 1) £1250(Year 2) £1500(Year 3) £1800(Year 4) £2000(Year 5+)	Nil	£25 per month
Santander / International Student Account Package Year:2010/11 Authorised Overdraft: Unauthorised Overdraft: Fee Details: £5.00 pm	2.96%	-		-	-
Smile / Student Account Package Year:2009/10 Authorised Overdraft: 9.9% EAR (0.79% pm) - £1 Unauthorised Overdraft: Fee Details:	0.12%	Neg	£1000(Year 1) £1400(Year 2) £1800(Year 3) £2000(Year 4)	Nil	Nil
Ulster Bank / Student Account Package Year:2009/10 Authorised Overdraft: Negotiable - £1 Unauthorised Overdraft: Fee Details:	0.01%	£350	up to £1250(Year 1) up to £1400(Year 2) up to £1600(Year 3) up to £1800(Year 4) up to £2000(Year 5)	Nil	Nil
Yorkshire Bank / Student Account Package Year:2010/11 Authorised Overdraft: Year 1: 7.49% EAR (0.60% pm) - £1 to £1K. Year 2 onwards: 7.49% EAR (0.60% pm) - £1 to £3K Unauthorised Overdraft: Fee Details:	-	£500		Nil	Nil

C = Higher limits available to those studying medicine, dentistry or pharmacy. G = Unauthorised overdraft fee and paid referal fee only charged on excess of any agreed interest free overdraft. j = £22 Reserve Usage fee charged if authorised overdraft limit exceeded and pre-authorised Reserve limit used. One fee per period of 5 consecutive working days. m = Subject to status and application.

Source:

Tools

Student Accounts