Everything you need in one place for student life
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Tools to help you on your student journey
How your student overdraft works
- Access £2,000 interest free from year one (£500 in your first term).
- In your third year, you could extend it up to £3,250.
- Get handy text alerts to stay on top of your budgeting.
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Apply online in just five minutes
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Access your funds, fast, once approved
- If your overdraft is approved, it’ll normally be available the next working day. But there might be a few exceptions to be aware of.
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Overdrafts are a way of borrowing money and you're responsible for repayments if you decide to use one. If you're unable to repay what is owed, you could impact your credit score, which most lenders use to decide whether they'll lend to you.
Student arranged overdrafts are available to Royal Bank Student current account customers, aged 18 or over. Subject to lending criteria.
Housemate
Want to take the hassle out of house sharing? With Housemate by NatWest, you can split household bills and pay each other back. You could also build your history with our partner Experian when you register your rent payments with the app. It’s free and you don’t have to bank with NatWest to use it.
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Housemate is a free app open to users aged 17+ across the UK (excluding the Channel Islands and Northern Ireland). Users must have a UK bank account and an iOS or Android compatible device. Open Banking is available for selected UK banks and account types only. You need to be registered for your own bank’s online banking. The rent recognition feature is only open to those residing in England or Wales.
Renters Insurance
Insuring your belongings is a wise move, especially during your student years. Take a look at Renters insurance to see if it suits your needs.
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Keep track of spending
Ever got to the end of a month and wondered where your money went? Well wonder no more. Our expense tracker feature ‘Spending’ within the app tells you everything you need to know, from categorising your spend to surfacing personalised insights. You can even set budgets to help you track your spending. You can also get spending notifications every time you use your card.
Split bills easily
Pay friends back without the faff of sharing bank details. Split Bill is an easy way to share the cost of meals, even when your mates leave their wallet at home.
- Show your QR code to get paid right away, even if your friends don't have a Royal Bank account.
- Add your QR code to your Apple or Google Wallet for easy access and to make getting paid back even simpler.
- Or send a payment link via your device sharing options.
Eligibility criteria and limits apply.
Book a financial health check
Whether you're on top of your finances or feel like you've been burying your head in the sand, we're here to help.
Our free Financial Health Check is a review of your personal finances, giving helpful hints, tips and ideas to help you get financially fitter both now and in the future.
You can complete an online review in under 5 minutes. If you’d rather speak to someone, you can book a video appointment or arrange to speak to someone over the phone or in a branch. These appointments usually last around one hour.
Fancy some insider knowledge on student life?
Going to university is a major milestone in anyone’s life. But with so many people to meet and costs to budget for, it’s natural to feel some anxiety. At a time of economic uncertainty, you’ll want to begin your studies with your eyes wide open.
The Royal Bank Student Living Index 2023 gives you the full lowdown on higher education in the UK. From cost of living pressures and student loans to socialising, mental health and beyond, our research can prepare you for both the opportunities and realities of university
Your student account graduates with you
Just use your card, digital banking and mobile app as usual. We’ll switch your account from student to graduate automatically.
Prior to the account switch, you should receive an email or letter detailing:
- The changes to your account
- The date of the switch.