New Students Bank Help

[Blackstar]

I'm very bored and had to do it anyway so i've been looking at student bank accounts and thought i'd save some of you some time by giving a quick summary of some banks.

Bank of Scotland

• Interest free over draft - £1,750 in first year increasing for up to 6 years

• 2% gross interest when in credit

• Withdraw up to £300 a day

• Debitcard avalible and £100 cheque guarantee (chequebook on request)

HSBC

• Interest free overdraft - £1000 in first year increasing over time

• Maestro debit card

• Fee free mastercard 18.9% APR varible (optional)
  no annual fee
  £500 automatic credit limit
  8 weeks interest free credit
  No interest if balance is paid off in full monthly

• Price promise (If you find a branded item which you have bought within a period of time for more than £10 cheaper then they will make up the difference)

• Commision free travel money

• Access to student financial advisor

• Discounts from ASOS, BSM, RAC, Blockbusters, IWOOT and more

Natwest

• Interest free overdraft - £1,250 first year increases

• Debitcard (Solo) Creditcard (Maestro)

• Mastercard 18.9% APR varible (optional)
  no annual fee
  56 days interest free

• Student belongings insurance from £16

• Money managing tips

Royal Bank of Scotland

• Interest free overdraft - up to £2000

• No fee creditcards

• Possession insurance

• Student finance advice

Halifax

• Interest free overdraft - £1,750 in first year increases over time

• 2% gross interest when in credit

• 10% discount on travel explorer

• Withdraw up to £300 a day

• Debitcard avalible and £100 cheque guarantee (chequebook on request)

I've included links for more information

 

[Blackstar]

I reckon i will end up with HSBC it seems to have better rates and charges. Some of them allow you an extra year of overdraft when you graduate others don't.

 

[Blackstar]

Cheers Blackstar

Think I will go into Natwest this week and explain to them what I want. Besides... my bank lady is quite hot.

I don't know if my banker is hot lmao.
I shouldn't have found writing banker as funny as i did

 

[Blackstar]

ta, useful, but i would have been more swayed by the free stuff they give - railcards etc etc

I already have a railcard, its only £20 a year. Theres a load of free stuff with HSBC which is pretty cool.

 

[Blackstar]

It's actually apparently illeagal to do the sign up to all of them to get the stuff, or so i was told.

 

[Blackstar]

The website wasn't very helpful to be honest.

I'm near to nearly every bank mentioned though, Edinburgh Uni is in the city center where all those banks have a premises.

 

[Blackstar]

this thread seems appropriate for my question. I'm a second year student, with a regular natwest account, I never bothered to get a student account because i didnt need the overdraft.
However, now I could do with a decent interest-free overdraft to get me out of a tight spot. Can I convert my existing account to a student account? And can I do that in any branch? And If I can, then what papers will they want to see to prove I am a student?

Thanks
Clarkey

I think they need some papers there is actually information on the sites usually or you could go in an ask at the bank or your Uni