Bank of Scotland

Student Current Account

Do the smart thing and get an interest-free overdraft of up to £3,000

At a glance

Money worries are the last thing you’ll want on your mind when you’re a student.

With our award-winning student bank account  you’ll have the extra cash you need, when you need it. Then you can focus on what matters while you’re studying and during that all-important year after graduation.

What makes this student bank account so good:

  • An interest-free overdraft of up to £3,000 (typical 0% EAR variable) for up to five years – plus an extra year after you graduate. 
  • Commission-free foreign currency and traveller's cheques so you've more spending money for your summer holiday.
  • A 25% discount on AA breakdown cover – for peace of mind when you're driving home for the weekend or taking a road trip.
  • A 20% discount on our Card Care card protection insurance, which covers all your registered debit, credit, store and charge cards at home or abroad

 

Account features

You'll enjoy plenty of great student banking account benefits to make your life easier:

  • You can keep your interest-free overdraft (typical 0% EAR) for the length of your course. That’s up to five years – plus an extra year after you graduate.
  • Commission-free on foreign currency and travellers cheques, so you can make the most of your money if you fancy a study break. 
  • 25% discount on AA breakdown cover – there just in case you break down.
  • 20% discount on our Card Care card protection insurance – covers you if you lose your registered cards.

Plus, all the standard features you'd expect from a current account.

  • A Bank of Scotland Visa debit card. Your best way to pay – everyday, everywhere, for everything
  • Use of cash machines, for money in an instant. Withdraw up to £300, get mini-statements, check your balance and top up your mobile.
  • Access to any of our branches as well as our 24-hour telephone and online banking service.
  • A secure place to pay in your student loan, grant cheque or other regular credits. Plus, the facility to set up direct debits so that you can manage your payments with ease.

 

Apply now for a student account

With all the great benefits on offer, it’s no wonder 'Your Money' has voted us the Best Student Banking Provider three years in a row.  Apply now for our award-winning student bank account and free up your mind for studying and having fun.

Before you open a Student Current Account please quickly check the following:

  • You’re at least 18 years old. 
  • You’re either a student in full-time higher education (that’s a degree course or similar higher education course) or you’ve stopped being a student in full-time education in the last 12 months. 

Online.

Are you a new customer? 
Are you an existing online banking customer? Sign in button

By phone.

Call us on 08457 21 31 41 between 8am and 8pm Monday to Friday, 8am to 6pm on Saturdays and 9am to 5pm on Sundays.

In person.

Call into any Bank of Scotland branch and apply there and then.


 

 

An important note...

The amount of overdraft you get depends on your personal circumstances and whether you make regular payments into the account. You also need to be aware that you may not get the full £3,000 overdraft.Bank of Scotland current accounts and services are offered subject to status. Overdrafts are repayable on demand.EAR is the equivalent annual rate. This is the actual annual cost of an overdraft. It does not take into account fees and charges.AER stands for annual equivalent rate and shows what the interest rate would be if interest were paid and compounded each year. (In other words, you earn interest on the interest you leave in your account.) The gross rate is the rate of interest we pay before we take off income tax at the rate set by law.