STUDENT CURRENT ACCOUNT
AND YOUTH ACCOUNTS.


AWESOME ACCOUNTS FOR YOUNG MONEY.

We'll look after you from your very first bank account right through to university.

And for young savers, why not take a look at our children’s savings accounts.


CALL INTO A BRANCH TO APPLY

You’ll need to book a branch appointment to apply for any of these accounts.

Please also read the information and terms & conditions found in the Getting Started Guide (GSG) that applies to the account you wish to apply for:

Student Current Account GSG (PDF)
Cardcash GSG (PDF)
Expresscash GSG (PDF)

Student Current Account. Awesome if you’re going places.

Put opening a Halifax Student Current Account at the top of your uni to-do list.

Available if you’re aged 18 or over, and on a degree course or equivalent full time education.

Here's what you get:

  • Bank on the go with our Mobile Banking app
  • An interest-free planned overdraft for the length of your course plus an extra year after you graduate, up to a maximum of 6 years.
  • Go contactless with your Visa debit card
  • Manage your money 24/7 online, by phone or in branch.
  • Stay in the know with free mobile text alerts for balances, limit and overseas transaction alerts.
  • Earn when you spend once registered for Online Banking and you’ve activated Cashback Extras.

Representative example:

If you use a planned overdraft of £1,200 the interest rate we charge will be 0% EAR variable.

Book a branch appointment to apply for this account

Book an appointment

Don’t forget: please bring the following with you so we can verify who you are:

  • Your original UCAS confirmation
  • Proof of ID, such us a current passport or DVLA driving licence (full or provisional).

What’s an overdraft?

An overdraft is a type of borrowing facility, it lets you borrow money through your bank account. Typically used for: an unexpected bill or an emergency expense, it's a convenient way of accessing extra money when you need it quickly.

Am I eligible for an overdraft?

You need to be aged 18 or over to apply for an overdraft. You can request an overdraft during your application for the Student Current Account.

How much overdraft do I get with the Student Current Account?

  • You can get up to £3,000 interest free overdraft for the length of your course, and up to a year after you graduate (subject to status).
  • The amount of overdraft you get depends on your circumstances and you’ll need to be 18 or over and live in the UK.
  • Overdrafts are repayable on demand.

What interest fees are charged on overdrawn balances?

See the Student Current Account debit interest and other fees for more information.

Confused by some of the overdraft jargon?

Take a look at our glossary to help understand some of the common terms used when talking about overdrafts.

If you’re moving use our branch finder to locate your nearest branch. Also make sure you let us know your new address if you already hold any account with us.

We’re here to help right the way through your studies and when you graduate you’ll get the same offers and features of this account for up to a year. After, we’ll move you over to our Reward Current Account. But don't worry, we’ll write to give you two months' notice before your account changes.


Halifax bank accounts and services are subject to status.

EAR is the equivalent annual rate. This is the actual annual interest rate of an overdraft. It doesn’t take into account fees and charges.

AER stands for annual equivalent rate and shows what the interest rate would be if interest were paid and compounded each year. In other
words you earn interest on the interest you leave in your account.

Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law (currently 20%).

Freedom. It’s about having an account that helps you make the most of your money.

Meet up with friends for a coffee, buy tickets for a gig, top up your mobile, and more. Or you just need somewhere to pay in your wages?

If you’re 16 or 17 years old, the Cardcash account makes sense. It puts you in control and gives you the flexibility to enjoy your money - whenever and wherever you like.

You get these too:

  • A Visa Debit card accepted worldwide wherever you see the Visa Debit sign.
  • Access to thousands of cash machines, for money in an instant. Use your card to withdraw up to £300 (daily limit), get mini statements, check your balance, pay your bills and top up your mobile.
  • 24-hour banking online or over the phone.
  • Send and receive payments with Pay a Contact
  • Credit interest on your account on any credit balance.
  • Free mobile text alerting service.

Book a branch appointment to apply for this account

Book an appointment


Top reasons for using your Visa Debit card

  • Accepted worldwide wherever you see the Visa Debit sign
  • Safe and secure alternative to carrying cash
  • Security and protection against fraud and issues with goods bought from retailers
  • Control - every purchase itemised on your statement

Want to get your finances off to a flying start?

Tailored for teens aged 11 to 15 years, the Expresscash account can help you make the
most of your pocket money.

A quick look at what you get:

  • A Visa Debit card accepted worldwide wherever you see the Visa Debit sign.
  • Access to Online Banking and Mobile Banking.
  • Access to thousands of cash machines, for money in an instant. Use your card to withdraw up to £300 (daily limit), get mini statements, check your balance, pay your bills and top up your mobile.
  • Credit interest on your account on any credit balance.
  • Send and receive payments with Pay a Contact
  • Tailored security and financial education available as part of the Online Banking experience (in association with Childnet and the Money Advice Service).
  • Free mobile text alerting service.

Book a branch appointment to apply for this account

Book an appointment

Please note: You’ll need a parent/guardian present when opening the Expresscash account.

Top reasons for using your Visa Debit card

  • Accepted worldwide wherever you see the Visa Debit sign
  • Safe and secure alternative to carrying cash
  • Security and protection against fraud and issues with goods bought from retailers
  • Control - every purchase itemised on your statement