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Existing customers

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Everything you need in one place for student life

Tools to help you on your student journey

The account tailor made for student life

Interest free student overdraft

With our student overdraft, you can go overdrawn up to a certain limit without paying any interest or fees. It’s a useful way to cover unplanned expenses if you’re short of cash. Think of it as a short-term safety net.

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

  • Apply online and get an instant decision on your online application.

 

Get started online today

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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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Dine out or stay in with tastecard discounts

With a tastecard, you can enjoy 2 for 1 meals, 50% off your food bill or 25% off your entire bill at thousands of restaurants like Burger King, Domino’s and Café Rouge (if you’re feeling fancy).  

And the perks don’t stop there – there are plenty of other student tastecard offers too: 

  • Cinema tickets discounted 
  • Discounted days out at the UK's best attractions
  • Exclusive membership perks.

Ready to get started?  Activate your tastecard now.

Tools for planning ahead

Make your student budget go further

We know it can be difficult to budget whilst at university. Luckily we have a range of budgeting tools which can help you throughout your journey. 

We can also help with the common University finance questions. From tuition fees to grants, scholarships and bursaries, we've got the answers. 

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Save like a pro with NatWest

If you're looking to build your savings habits our Digital Regular Saver could be right for you. Just like over 750,000 NatWest customers have, you could choose to open a Digital Regular Saver today.

Take a look at our savings account range and choose what suits you.  Specific account eligibility criteria and conditions apply.

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Keep on top of your credit score

Our personalised tips could help you improve your credit score and kick-start a brighter financial future. 

Credit score available once opted in through the app, to customers aged 18+, with a UK address and data is provided by TransUnion. 

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Manage your money, protect your goods

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Housemate

Our bill splitting app, Housemate, is here to help with problems that might crop up when sharing household expenses.

You don't have to bank with us to use Housemate. As long as you have an eligible UK bank account, Housemate can help make payments easier using Open Banking and help you plan for the future by recognising your rent payments to build your history with our partner Experian.

To get started just download Housemate by NatWest. Eligibility criteria apply.

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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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Stay on top of your finances

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 NatWest 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.

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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 NatWest 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

Common questions about our Student account

Your student account graduates with you

Just use your card, online 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.