Apply online only. You must be 17+ and have been living in the UK for at least 3 years. If you’ve lived in the UK for less than 3 years you’re recognised by us as an international student and are not eligible for our Student account. You must use your Student account as your main account by depositing student finance, wages or other regular income into it. See our current accounts hub for other options.
Student
- £100 plus a 4-year tastecard. Offer T&Cs apply.
- Get an interest-free overdraft while you're studying.
- No monthly account fee.
Student bank account offers
Get £100 cash.
Get an annual tastecard, worth £79.99 per year*. Get 25% off the total bill, 2 for 1 meals or 50% off food as well as the newest addition of 25% off barista-made drinks, available at thousands of restaurants and coffee shops across the UK, with exclusive offers for students with discounts on movie streaming, attractions, membership perks with a tastecard membership, valid for 4 years.
Get your cash offer within 10 working days of opening your account. We'll send your tastecard redemption code to your email address. Offer T&Cs apply.
Information Message
NatWest have the right to withdraw this offer at anytime. If you have received a student offer from NatWest at any time from 1st July 2022 you will not be eligible. *Annual tastecard value excluding any offers. Correct as at May 2026.
Study details: You need to be a full time undergraduate student (on at least a 2 year course at a UK University/College) or nursing course lasting a year or more. You can apply within 6 months of your course start date.
Student status: To confirm you're a student and eligible for this account, you must provide your unique 16 digit UCAS code. Courses without a UCAS code are not eligible for our student account.
Interest free overdraft: You can apply for an overdraft of up to £500 when you first open your student account. You may be able to apply to increase your overdraft over time - up to: £2,000 from your second term in the first year of your course, and £3,250 from Year 3 onwards.
Overdraft details: You need to be 18+ to apply for an overdraft. Overdrafts are subject to status and lending criteria.
You can apply for an overdraft on your account at anytime once your course has started with an instant online decision. If approved, your overdraft limit could be lower than the maximum limits shown.
Lifestyle benefits
If you love eating out or relaxing with a hot drink, you’ll love this offer: get 25% off the total bill, 2 for 1 meals or 50% off food as well as the newest addition 25% off barista-made drinks, available at thousands of restaurants and coffee shops across the UK.
What you should know:
- Always check the details on the individual listing in the tastecard app before visiting, as some venues may have limitations, including maximum number of diners.
- Where restaurants offer 2 for 1, this does not include side dishes or extras.
- Remember to take your digital membership with you.
- Bookings must be made by the account holder, and some restaurants may ask that you book in advance when using your tastecard.
Other features
Arranged overdrafts
An overdraft is a form of short term borrowing and is repayable on demand. If you don't repay what is owed, you could harm your credit score and borrowing capability. Understand the cost and impact of overdrafts and use our eligibility checker to find out if you’re likely to be approved below.
There are two different types of overdraft:
- An arranged overdraft, which allows you to go overdrawn up to an agreed limit. This is the type of overdraft you could apply for here. During your application for an arranged overdraft, we'll run a full credit check to determine how much we can offer you.
- An unarranged overdraft. This is when you spend more money than you have in your current account without already having an arranged overdraft, or when you exceed your current arranged overdraft limit.
We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected.
How much will an overdraft cost?
This account offers an overdraft facility (subject to eligibility). You can check if you're likely to be accepted for an overdraft using our eligibility tool.
Looking to understand the costs of an overdraft of more or less than £500 over different periods of time? Use our handy cost calculator.
Switching to NatWest
The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders.
- All you need to do is tell us the details of your old bank account and when you want your switch to start.
- We can't switch savings accounts or ISAs through this service. Any other products you have with your old bank won't be moved at the same time.
Current Account Switch Guarantee (PDF, 36 KB)
A Guide to Switching Current Accounts (PDF, 3 MB)
Third Party Permissions
If you have given permissions to Third Party Providers to make payments on your behalf, or to access your financial data, access to these services won’t be transferred automatically to your new account as part of the Current Account Switch Service.
Before you close your old account, check whether you have any Third Party Provider permissions set up and if so, who with.
Once your new account is open you can give your permission to the Third Party Provider to access your new account by providing them with your new account details. You will need to contact the Third Party Provider directly yourself to set this up.
If you are unsure as to whether we will support the Third Party Provider permissions on your account, you can contact us for further information and support.
Please check our account terms and conditions for more information about Third Party Providers.
Important information
Your Current Account Terms (PDF, 267 KB)
Financial Services Compensation Scheme Information Sheet (PDF, 1 MB)
Fee Information Document (PDF, 365 KB)
What You Need To Know (PDF, 370 KB)
Student offer T&Cs (PDF, 47 KB)
It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.
As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured.
Information Message
By continuing you're confirming you've been provided with, and have acknowledged our important documents, including the FSCS information sheet.