A free 4 year tastecard

Open our Student bank account

Why apply for our Student bank account?

A Student bank account is designed to make your life in higher education a little bit easier. There are many advantages to opening a Royal Bank Student account such as:

  • Offer - free tastecard for 4 years (worth £29.99 per year)*.
  • Interest-free overdraft - get an overdraft of up to £2,000 from year one (Limited to £500 in term one year one), with an instant online decision. Students can apply for up to £3,250 interest free from year three onwards.
  • Can't find your bank card? Temporarily freeze it on the app while you look, and if you find it, instantly unfreeze your card.
  • Withdraw up to £130 without your card every 24 hours at our ATMs (as long as it’s within your daily withdrawal limit, criteria applies).
  • You can switch using the Current Account Switch Service.
  • No monthly fee.

Student bank account offers


What is a tastecard?

Tastecard is a discount card which offers you 2 for 1 on meals, 50% off food or 25% off food and drinks at thousands of restaurants or pizza takeaways UK wide. 

We also have exclusive offers just for students. 

Cinema ticket discounts 

Discounted days out at the UK's best attractions 

Exclusive membership perks

We’ll send your tastecard redemption code to your email address. 

Offer T&Cs apply.  This offer can be withdrawn at any time. Valid for 4 years. Smartphone required.

Information Message

Hassle free banking with our mobile app

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Are you an international student?

If you’ve lived in the UK for more than 3 years, you can apply for our Student account. If you’ve lived in the UK for less than 3 years you’re recognised by us as an international student and are not eligible for our Student account. See our current accounts hub for more options. 

Switch to Royal Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Switch Service work?

Understanding overdrafts

An overdraft is a form of short term borrowing and is repayable on demand. If you don't repay what is owed, you could harm your credit score and borrowing capability. Understand the cost and impact of overdrafts and use our eligibility checker to find out if you’re likely to be approved below.

Student FAQs

Get ready to apply

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

  • are aged over 17 and have been living in the UK for at least 3 years
  • are completing a full-time undergraduate course that lasts at least 2 years, completing a full-time post-graduate course, or are training as a nurse at a UK university or college of higher education
  • are completing a course that has already started, or is starting within the next 6 months.

Now please take a look at the important legal info

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Digital Banking - not posted. Please take some time to review, print and/or save the important information.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

All okay? You’re nearly ready to start.

To speed up your application for our Student account, we need to do a few final checks with you. They'll only take a minute.

Do we already know you?
Have you lived in the UK for:
Are you ready to provide us with your UCAS code?
To confirm you’re a student and eligible for this account we require your unique 16-digit UCAS code. If you can’t find your code, log into your UCAS hub or contact UCAS on 0371 468 0468 before starting the application.

You're all set

Your application will be completely online, as part of our checks we'll ask our partner Mitek to confirm your identity using; 

  • Proof of your UK student status, such as your: UCAS status code.
  • We’ll do this by matching your Photo ID to a selfie of you. You’ll need a device with a camera to upload these. We might also ask for other information like proof of address.  If you don’t have your ID to hand, you can finish this step later. 
  • Photo ID, which must be a Passport, UK or EU/EEA Driving Licence or an EU/EEA National ID card
  • Proof of your address, such as a utility bill, bank statement, driving license, UCAS letter, Student Finance letter or a letter from your University​.

Sorry you can’t apply for a Student account at the moment

We need to confirm you are eligible for a Student account and the unique UCAS code is the fastest way to prove this.

If you are a full time undergraduate student (on at least a 2 year course at a UK University / College), a full time postgraduate or on a nursing course lasting a year or more, you will have been provided with a UCAS code. You can apply within 6 months of your course start date. Part Time students including apprenticeships are excluded.

Don’t worry, we have a range of other current accounts which may suit your bankings needs.

Sorry, you can't apply for this account

Sorry, we can’t offer you the Student account.

You can view our full range of accounts and apply for a suitable one.

Do you have our app on a mobile device?
You can apply using either the mobile app or online banking. The mobile app is easier and quicker as we can prefill some of your information.

Great, let's get started

Just a heads up, you'll need to take a few steps to start your application.  

  1. If you're already using a device with the Royal Bank app, select the 'Start application' button below. Using a desktop? Simply scan the QR code with your mobile device that has the Royal Bank app.
  2. Once logged in, select 'Current Accounts'. 
  3. Then choose what type of account you would like to open, change or switch to, and follow the instructions within app to start your application. 

Can't scan the QR code?

Do you have RBS Digital Banking?

Log in to Digital Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Digital Banking pin and password.
  3. Once you're logged in, select 'Current accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.

Let’s get you signed up for Digital Banking

You’ll need to sign up for Digital Banking with us in order to apply for a Student account. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank Debit Card, if you have one.

Once you’ve registered, select ‘Next’ to log in and apply for a Student account. 

Log in to Royal Bank Digital Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Digital Banking pin and password.
  3. Once you're logged in, select 'Current accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.

Forgotten your Digital Banking Details?

If you've forgotten your log in details, don't worry, select 'Reset my Digital Banking' for further instructions. 

How to download and apply via the app

First, download the app, then:

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. Follow the link that pops up to download the app.
  3. Use your details to log in, then select ‘Apply’ at the bottom of the app.

Can't scan the QR code?

Available on selected devices.