Student saving

How to save as a Student

Saving money as a student

Adjusting to your new independence is a big part of the university experience, especially when it comes to your finances and making your money go further. Whether you're a student looking for ways to make money on the side or just need a little saving advice, this page has the tips you need.

Money saving tips for students

  1. 01

    Calculate a weekly/monthly budget

    Estimating how long each income payment needs to last you is a good place to start. Find out when your loan payments are due throughout the year using the student loans company website. Once you know how much you’ll earn and owe per week you can work out how much you have left to spend.

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    Use our budget planner

    Chat about the budget planner...Chat about the budget planner...Chat about the budget planner...
  2. 02

    Shop wisely

    Having to budget may mean that you find yourself with less disposable income than you may be used to. Switching to discount supermarkets for your weekly food shop could help save you money. In addition, shopping for clothes in charity shops can save you money on clothes and is more sustainable for the planet as well.  


  3. 03

    Meal prep

    Takeaways and ready meals, while not part of a healthy diet, are also financially unsustainable. The earlier you start meal prepping and cooking meals to last you up to a week in one session, the more money you will save.

  4. 04

    Be bill savvy

    Compare your broadband and utility bills with competitor offers. It could be that switching providers could save you money.


  5. 05

    Set up a student overdraft

    If you're worried about falling into an unarranged overdraft, set up an arranged one as an extra buffer so you don't incur any charges. 

  6. 06

    Open a savings account

    If you are in a position where you are able to put a little money aside each month, opening a savings account could help that money grow.


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    Check out our savings accounts

    If you are in a position where you are able to put a little money aside each month, opening a savings account could help that money grow.Specific account eligibility criteria apply

Ever wonder how much it will cost? Wonder no more.

For the seventh year in a row, we’ve published data to help you understand what it’s really like to be a student at university. We’ve asked 2,806 students across 29 popular university cities how much they spend on essentials like food, rent and bills, and how they juggle their time across studying, part-time work and socialising

Help with managing your money

Stay in control of your finances with online and mobile banking

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

Mobile banking app

Manage your money on the go

Touch ID and Face ID keeps your details under lock and key, should a phone be misplaced, only available on selected devices.

Round-the-clock access lets you stay on top things wherever or whenever you like, perfect for late nights on campus

Cutting-edge features like “Get Cash” allows card-less ATM withdrawals. Limits apply

Online banking

Making day-to-day finances easier

Complete everyday banking tasks wherever you are - all you need is an internet connection

Online Banking doesn’t close in the evening and you’ll never have to wait in a queue, providing more time to focus on the studying

Gain a higher level of visibility and control over your finances to stay on top of spending

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