All kinds of general info about our current accounts. Including details about the Student Account.

Current Account Terms (PDF, 268 KB)

Very important information about how your money is protected. Just in case.

FSCS Information Sheet and Exclusions List (PDF, 1.5 MB)

How much our charges will be. From taking cash out abroad to an unarranged overdraft.

Fee Information (PDF, 2 MB)

Important basic info about the bank. For example, who regulates us and how to complain (hopefully you won't need that bit).

What You Need To Know (PDF, 371 KB)

Important information on our Student offer.

Student Offer T&CS (PDF, 47 KB)

To open our account for students, you'll need:

• UK Passport or Driver's Licence (full or provisional)
• Proof of address - Driver's Licence, Utility Bill or Bank Statement. If you don’t have one of these,  you can use one of the documents we ask for to verify your UK student status.

To confirm you're a student and eligible for this account, we require your unique 16 digit UCAS status code. Courses without a UCAS code are not eligible for our student account. If you can't find your code, log into your UCAS hub or contact UCAS on 03714 680 468, before starting the application.

After you graduate, your Student bank account will switch to a Graduate account. We’ll let you know about 60 days in advance, so there are no unexpected surprises.

A free 4 year tastecard is among the features of our Student bank account.

If you’re eligible, we’ll send your tastecard redemption code to your email address after setting up a Student account. We’ll use the email address provided during your application to contact you about your tastecard.

To confirm you’re a student and eligible for this account, we require your unique 16 digit UCAS status code. Courses without a UCAS code are not eligible for our Student account. If you can’t find your code, log in to your UCAS Hub (opens in new tab) or contact UCAS on 0371 468 0468, before starting the application.

You can only have one Student account with NatWest Group (NatWest/Royal Bank/Ulster Bank) at a time. If you try to open more than one Student account in the UK, you’ll only receive the benefits of the account once. 

You can apply for an overdraft once your Student account is open. If your course has started or is about to start, you might be able to apply for an overdraft while opening your Student account. You’ll need to be 18+ years. Subject to lending criteria.

If you’re approved, your interest-free overdraft limit is £500 in year one, term one. You can apply to increase the overdraft up to £2,000 from term two, year one. Students from year three onwards can apply for up to £3,250.

You can apply for an overdraft on your Student bank account at any time once your course has started, with an instant online decision.

See how overdrafts work

If you’ve lived in the UK for more than three years, you can apply for our Student bank account.

If not, we’ll recognise you as an international student. And that means you won’t be eligible for our Student account.

The good news? We have plenty of other current account options. So long as you’re classed as a UK resident, you could apply for a Select everyday account or a Reward account.

Banking My Way is a free service that allows you to record information about the support or adjustments you need to make banking easier. You can also let us know any additional support you may need to ensure all our colleagues are aware of this. The information will be shared on our internal systems, so you will not need to repeat these requirements every time you interact with us.

Once your account is open, you can record this through Online Banking or with our colleagues in branches or over the phone.

Learn more about Banking My Way

Student bank accounts are a type of UK current account specifically designed for students.

They typically work in the same way as a standard current account – giving you somewhere to manage your day-to-day spending, bill payments, and income while at university.

Student accounts may offer extra features, including interest-free overdrafts, discounts and offers. So, it’s helpful to compare student bank accounts before applying.

When you finish studying, your NatWest Student bank account will automatically switch to a Graduate account.