Existing customers

All set to get the most from your Student account

On this page

You're welcome to explore your Student account

The NatWest student account is designed to make your life in higher education a little bit easier. We offer banking through the mobile app and an interest free £500 arranged overdraft in your first term and up to £2,000 after that. Overdraft available to NatWest Student current account customers aged 18+. Subject to lending criteria.

View more on our Student offer

£50 cash

Paid into your account within 10 working days of meeting the offer criteria. Offer available until 30th June 2023. T&Cs apply.

Tastecard

Get 2 for 1 or 50% off your food bill at thousands of UK restaurants and discounts at the cinema with tastecard membership. Valid for 4 years. Smartphone required. tastecard T&Cs apply.

Offer criteria

To receive your £50 cash and tastecard you need to register for Mobile or Online Banking and choose to receive paperless statements within 30 days of opening your account.

Terms & conditions (PDF, 52 KB)

Get a Student Account

Like what you see? Follow the link below to apply for your Natwest Student Account. Account criteria apply.

Tap to apply

This offer is only available to new Student account customers. In order to receive the offer you must meet the criteria above within 30 days of account opening.

To apply, you must be 17+ and have been living in the UK for at least 3 years. Online applications only.

You need to be a full time undergraduate student (on at least a 2-year course at a UK University/College) or you need to be completing a full time postgraduate or nursing course lasting a year or more. You can apply within 6 months of your course start date.

To apply for an overdraft, you need to be 18+. You can add an overdraft to your account once your course has started.

You must use your Student account as your main account by depositing regular income into it.

Mobile app features for you

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.

Find out more

Split bills easily

When you're setting out on your student life, it can be tricky to know how much day-to-day living will cost. Our guide can help you there.

Find out more

Check your credit score for free

You can check it for free in our app and check it as often as you like – it doesn’t affect your credit score. You’ll also get insights on how to improve your score. Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion.

Find out more

Save your change with round ups

Save the spare change from your debit card spends straight to your savings account with NatWest Round Ups. It’s saving, made simple. Eligibility criteria and conditions apply.

Find out more

Managing my account

Report my card lost, stolen or damaged Close

Report my card lost, stolen or damaged

If you think your debit card or any of your card details, such as your PIN may have been stolen, you should report it to us to avoid the possibility of fraud.

You can now instantly report your card as lost, stolen or damaged through your mobile app. Simply open the app, tap on the account that your card is linked to and select 'Manage my card' to see your options.

You can also report your card by logging on to your Online Banking.

Alternatively, you should call us as soon as possible on:
UK: 0370 600 0459
Overseas: +44 1268 500 813
Relay UK: add 18001 in front of the number

Once you’ve reported your debit card as stolen, we will send out your new card which will be with you in five working days.

Set up, change or cancel a Direct Debit Close

Set up, change or cancel a Direct Debit

A Direct Debit is an agreement between you and the organisation you’re paying, which allows the organisation you want to pay to collect varying amounts from your account – but only if you’ve been given advanced notice of the amounts and dates of collection.

View or cancel a Direct Debit

You can easily view or cancel a Direct Debit via our Mobile App or through your Online Banking.

Go to the app

While you can’t set up a Direct Debit without the input of the people you are paying, you can view and cancel your Direct Debit directly with us.

You have up until 8.20pm (UK time) on the day the payment is due to cancel.

Find out more

Using my debit card abroad

Register your travel details with NatWest at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

Let us know you will be using your card abroad

If you have our mobile app, it’s easy to let us know you are going to use your debit card abroad.

Simply go to the app, tap on the account that your card is linked to, select 'Manage my card' and then select ‘Going Abroad’ to register your trip.

You can register one trip at a time. It can include up to seven countries and last 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately.

Get more information on spending abroad and how to minimise fees and charges.

You can also register your travel plans via Online Banking or by giving us a call or popping in to a branch.

Freeze my card Close

Freeze my card

If you've misplaced your debit card, or want to stop it from being used, you can temporarily freeze your card to protect it from unauthorised use. You can freeze and unfreeze your card at any time using your mobile app or online banking.

Get Cash

Your mobile app has a function called Get Cash. This lets you take out cash when you don't have your card but need money - great for people who accidently leave their cards at home.

Withdraw up to £130 every 24 hours at our branded ATMs. You must have at least £10 available in your account and an active debit card (frozen or unfrozen).

Simply log in to your app and click on the “Get Cash” icon - you’ll find it at the bottom of the app home screen.

Find out more

Make a transfer or payment Close

Make a transfer or payment

You can make payments or transfers on the go by logging in to our mobile app Using your mobile app you can:

Pay someone new* up to £1000 without needing a card reader
Pay saved payees
Create, amend and cancel regular payments

*There is a maximum of 5 payments totalling £1000 per day. You must be aged 16 or over.

Alternatively log in to Online Banking where you can view your balance and statements, make payments, transfers and more to help manage your account.

Find out more about making payments

Find out more about making international payments

My current account terms, rates and charges Close

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

Managing my account

Report my card lost, stolen or damaged Close

Report my card lost, stolen or damaged

If you think your debit card or any of your card details, such as your PIN may have been stolen, you should report it to us to avoid the possibility of fraud.

You can also report your card by logging in to Online Banking or chat to us online.

Alternatively, you should call us as soon as possible on:

UK: 0370 600 0459 | Relay UK: add 18001 in front of the number
Overseas: +44 1268 500 813

Once you’ve reported your debit card as stolen, we will send out your new card, which will be with you in 5 working days.

Set up, change or cancel a Direct Debit Close

Set up, change or cancel a Direct Debit

Manage your Direct Debits

View or cancel a Direct Debit

You can easily view or cancel a Direct Debit via our mobile app or through your Online Banking.

While you can’t set up a Direct Debit without the input of the people you are paying, you can view and cancel your Direct Debit directly with us.

You have up until 8.20pm (UK time) on the day the payment is due to cancel.

How to set up, view or cancel a Direct Debit

Register my travel

Using my debit card abroad

Register your travel details with NatWest at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

Let us know you will be using your card abroad

If you have our mobile app, it’s easy to let us know you are going to use your debit card abroad.

Simply go to the app, tap on the account that your card is linked to, select 'Manage my card' and then select ‘Going Abroad’ to register your trip.

Get more information on spending abroad and how to minimise fees and charges.

You can also register your travel plans via Online Banking or by giving us a call or popping in to a branch.

Freeze your card Close

Make a transfer or payment Close

Make a transfer or payment

You can make payments or transfers on the go by logging in to our mobile app. Using your mobile app you can:

Pay someone new* up to £1000 without a card reader.
Pay saved payees, up to £20,000.
Create, amend and cancel regular payments.

*There is a maximum of 5 payments totalling £1000 per day. You must be aged 16 or over.

Alternatively log in to Online Banking where you can view your balance and statements, make payments, transfers and more to help manage your account.

Need more help?

See our dedicated page to find out more about making payments

Current account terms, rates and charges Close

Financial Support

Student overdraft

Be prepared for any unexpected bills or payments with our interest free Student overdraft. Available to NatWest Student current account customers aged 18+. Subject to lending criteria.

Find out more

How much will I spend?

When you're setting out on your student life, it can be tricky to know how much day to day living will cost. Our guide can help you there.

Student living index

Student finance and loans

If you're taking out a student loan to cover tuition fees or maintenance loan, you will need to make sure you fill out an application form as soon as possible. Our guide introduces the different student finance bodies, the application process, and a selection of tools and resources to help you manage your student finances.

Find out more

Split bills with the Housemate app

Housemate is our free bill-splitting app for renters. Split bills and pay each other back easily. Your flatmates don’t even need to bank with us to use it. To get started just download Housemate by Natwest. Available to anyone over 17 as long you live in the UK, have a UK bank account (that allows access) and be registered for online banking. You’ll also need a compatible smartphone.

Find out more

Graduating soon?

If you've just graduated or are just about to, you don't need to do anything. Your Student account will automatically change to a Graduate account, and you can continue to use your card, online banking and mobile app as usual.

Prior to the account switch you should receive an email or letter detailing:

the changes to your account
the date of the switch

Find out more

All set to get the most from your Student account

You're welcome to explore your Student account

View more on our Student offer

£50 cash

Tastecard

Offer criteria

Get a Student Account

Mobile app features for you

Keep track of spending

Split bills easily

Check your credit score for free

Save your change with round ups

Managing my account

Managing my account

Financial Support

Student overdraft

How much will I spend?

Student finance and loans

Split bills with the Housemate app

Graduating soon?

Something else we can help you with?