Enjoy £100 plus a free tastecard for 4 years
Interest‑free overdraft from your first year
No monthly account fee
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Eligibility, criteria and T&Cs apply.
- To apply, you must be 17+ and have been living in the UK for at least 3 years. Online applications only.
- To confirm that you are a Student and eligible for this account, you must provide your unique 16 digit UCAS code. Courses without a UCAS code are not eligible for our student account.
- You need to be a full time undergraduate Student (on at least a 2 year course at a UK University/College) or nursing course lasting a year or more. You can apply up to 6 months before your course start date.
- You must use your Student account as your main account by depositing your wages or other regular income into it.
- To apply for an overdraft, you need to be aged 18+. You can add an overdraft to your account once your course has started. Overdrafts are subject to status and lending criteria.
What is included?
- Get £100 cash
- Enjoy year‑round savings on dining, entertainment and experiences with a tastecard worth £79.99 per year
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tastecard discounts
- Thousands of restaurants or pizza takeaways UK wide (2 for 1 on meals, 50% off food or 25% of food and drinks)
- 25% off barista-made drinks at thousands of cafés across the UK.
- Cinema tickets
- Days out at the UK's best attractions
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*Annual tastecard value excluding any offers. Valid as of May 2026. Your tastecard redemption code will be sent to your email address within 5 days of opening your account.
If you have received a student offer from Royal Bank at any time from 1st July 2022 you will not be eligible. This offer can be withdrawn at any time due to limited availability, T&Cs apply.
Why apply for our Student bank account?
Whether uni is just around the corner or already underway, get set for student life. Open a Student account today and settle into campus living with confidence.
Here's what you get:
Interest-free overdraft
Award-winning account - YourMoney.com voted Royal Bank of Scotland as 'Best Student Current Account Provider' in 2026.
No monthly fees - There are no monthly fees for the Student current account.
On the go banking - Manage your Student bank account with ease using our app, anytime and anywhere.
Make use of a student overdraft
Our Student bank account comes with an interest-free overdraft.
Initial limit: You can apply for an overdraft of up to £500 when you first open your student account.
Increasing your limit: You may be able to apply to increase your overdraft over time, up to:
- £2,000 from your second term in the first year of your course
- £3,250 from Year 3 onwards (including after you graduate)
A quarter of students budget and monitor their spending. But around one in three are still short of money by the end of the month, says our 2025 Student living index.
That's when your overdraft may come in handy as a short-term option. And because it’s interest-free, you won’t pay any interest on what you’ve spent. If approved, your overdraft limit could be lower than the maximum limits shown.
The app students didn't know they needed
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App available to Online Banking customers with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Add money effortlessly
Easily add money to your account from accounts held with other banks without entering account details.
Free credit score
See your score in minutes. Improve it and understand your habits' impact. Data provided by TransUnion.
Get Cash without your debit card
Get up to £130 every 24 hours from our cash machines, so long as it’s within your daily withdrawal limit.
Save your spare change with Round Ups
Save your change from everyday spending and put it in an eligible savings account.
The app students didn't know they needed
App available to Online Banking customers with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Add money effortlessly
Easily add money to your account from accounts held with other banks without entering account details.
Free credit score
See your score in minutes. Improve it and understand your habits' impact. Data provided by TransUnion.
Get Cash without your debit card
Get up to £130 every 24 hours from our cash machines, so long as it’s within your daily withdrawal limit.
Save your spare change with Round Ups
Save your change from everyday spending and put it in an eligible savings account.
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)