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TOPIC: Best Student Bank Accounts
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Best Student Bank Accounts 5 Months ago  
Banks want you, more than any other group of the population. Students are essentially investing in themselves to get a high paying salary when they graduate. Whilst you may be borrowing now to fund your education, banks expect that in the near future you will reap the rewards. They are looking to establish loyalty, and have good odds at keeping you for life once you've opened with them. And loyalty is also an important tool for the consumer, meaning students get the best deals and offers out there! Just remember that you don't have to be loyal, and you should switch around banks to sweep up the next best deal. It may look like effort, but it can pay dividends.

Also, try not to be taken in by freebies. A free MP3 player costing £20 is nowhere near as good a deal as getting an interest free overdraft. An overdraft is a way of borrowing money, up to around £2,750 pa for students. With an interest free overdraft you pay nothing more than what you borrow, and this is pretty much exclusive to us students.

So even if you are lucky enough to have the means to pay without borrowing, it can be worth getting an overdraft. Take it out and pump up your savings account, earning interest on the borrowed money whilst your a student.

Beware that the 0% period is not forever! It only lasts a certain period before it hikes up and you need to pay up, or get screwed. Just as important, don't go over your limit or you could suffer heavy bank charges.

With that in mind, here are the current top student bank accounts taking the overdraft interest free period into account.

Top Student Bank Accounts 2008

#1 Halifax

Up to £2,750 interest free every year. Although in your first year you are unlikely to top £1,000. You have one year after graduation to repay before interest is added.

#2 NatWest

From £1,250 to £1,600 over a three year course. The main attraction for students applying for NatWest is they give you a free 5 year Young Person's Railcard (worth over £120). This is one freebie that maybe worth taking. The railcard will save you 1/3 on all rail travel in the UK, which could add up to £100s.

#3 Lloyds TSB

£1,500 interest free overdraft, with possibility of £75 cash back after your first year.

Remember the top student bank accounts change each year, so make sure you're still getting the best deal as an existing student.

Other factors to consider

Does it come with a debit card or a cash card? You can withdraw from ATMs with both, but only pay in shops or online with a debit card.

Can you access your account online?

Have a look over the bank charges.

Branch location. A local bank can prove be worthwhile, especially on that rare day when you want or need to make a cash or cheque deposit. These banks have branches in and around the university campus:

* Barclays
* Halifax (HBOS)
* Lloyds TSB
* HSBC
* NatWest

Don't be afraid to ask any questions you may have, and please share your own experiences with student banking!
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