I have a student account which will change to a graduate account because of graduation. How do these changes impact my new account?

If you hold a Student account and are graduating this year, we will be in touch to let you know we will be moving you onto a Graduate account in July/August. Your account number, sort code and debit card will stay the same.

Your overdraft limit will stay the same for another year. You won’t pay interest on an arranged overdraft up to £2,000 for the next 12 months.

In your second year on the graduate account, the terms of your overdraft will change and the interest free buffer will reduce to £1,000.

After two years, we’ll move you to a Select account. Your existing overdraft limit will stay the same, but it won’t be interest-free. We’ll be in touch again next year to remind you about the changes to your overdraft.

If we wrote to you in October 2019 about moving your Student or Graduate account to a Select account, this move will take place later this year and again we will be in touch closer to the time.

Please visit our website to view the terms and conditions (PDF) for your existing and new accounts.