Student Current Account.


At a glance

  • No monthly account fee
  • Up to £3,000 interest free overdraft
  • Earn credit interest on any credit balance 0.10%AER (0.10% gross) variable. Interest is paid monthly.

Find out more in the Student Current Account Getting Started Guide (PDF).


Here's what you get...

  • Mobile banking app for banking on the go
  • Interest free overdraft (0% EAR variable) for the length of your course
  • Contactless facility on your Visa debit card
  • Access your money via 24/7 secure Online, Mobile and Telephone Banking, or in branch - they all open on Saturday too.
  • Free mobile text alerting service for balance, limit and overseas transaction alerts.
  • Earn when you spend - once registered for Online Banking switch on Cashback Extras and activate your offers.

Apply for a Student Current Account

Make a branch appointment

Dont forget to bring your proof of ID and your original UCAS confirmation (letter or email).



Want to know more about the overdraft?

You can get up to £3,000 interest free overdraft for the length of your course, and up to a year after you graduate. You can apply to extend this amount, but would be subject to fees. If you want a larger overdraft speak to a member of staff in branch or over the phone.

The amount of overdraft you get depends on your circumstances and whether you make regular payments into your account and you’ll need to be over 18 and live in the UK. Overdrafts are repayable on demand.


Representative example:

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


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.



Need a little more help with managing your finances?

We’ve put together loads of information to help you with savings, borrowing, spending and making sure your money is kept safe and secure. Just take a look at our money basics section.

Money basics



What next?

If you’re moving use our branch finder to locate your nearest branch, and make sure you let us know your new address.

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, then we’ll move you over to our Reward Current Account.


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