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If you are an international student, you might want to take a look at our other accounts.
£100 cash and up to £90 in Deliveroo vouchers
Sounds tasty, right?
To qualify, you’ll need to follow these simple steps:
£100 Cash:
Open (or change your existing Halifax bank account to) a Student Current Account and pay in at least £500 by 31 October 2025.
Up to £90 Deliveroo vouchers:
- First, you need to qualify for the £100 cash.
- Then you’ll get a £15 Deliveroo voucher for each month you make 20 or more qualifying debit transactions between November to April.
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These terms apply to a Halifax Student Current Account £100 cash offer and Deliveroo voucher offer. The offer is 1 payment of £100 cash paid into your new account and up to £90 of Deliveroo vouchers, paid as a £15 voucher a month over 6 months.
£100 Cash Offer
To qualify for the £100 cash offer, you must:
- Open (or change your existing Halifax bank account to) a Halifax Student Current Account between 1st August 2025 and 31st October 2025; and
- Pay in at least £500 to your Halifax Student Current Account by 31st October 2025.
You won’t qualify if:
- You currently have, or have had at any time since 1st August 2020, a Student Account or Graduate Account with Lloyds, Bank of Scotland, or Halifax.
- You open a Halifax Student Current Account either before 1st August 2025 or after 31st October 2025.
- Your application for a Halifax Student Current Account isn’t successful.
- You don’t pay in at least £500 by 31st October 2025.
When will I receive the £100 cash offer?
- The £100 cash offer will be paid into your Halifax Student Current Account in 1 payment before 30th November 2025 and will appear as a cash credit.
- Your Halifax Student Current Account must remain open to receive the £100 cash offer.
- Only 1 cash offer is available per customer.
Up to £90 of Deliveroo Vouchers
To qualify for the Deliveroo voucher offer, you must:
Qualify for the £100 cash offer; and
- Each calendar month between November 2025 and April 2026, complete 20 or more qualifying debit transactions on your Halifax Student Current Account. Each month you do this, you will then receive a £15 Deliveroo voucher the following month. For example, if you make 20 or more qualifying debit transactions in January, you will receive your £15 voucher in February.
- It is possible to qualify for some months and not others.
What do we mean by a debit transaction?
- Any money paid out of your Halifax Student Current Account. However, what we won’t include are:
- Inter-account transfers (what we mean here is money sent to a Lloyds, Halifax, or Bank of Scotland account in your name, including joint accounts);
- Any Halifax fees or charges;
- Any gambling related payments (what we mean here is any transactions made to betting sites, casinos, online gambling platforms, or lotteries);
- Financial services transactions (what we mean here is money transmission orders, purchases of foreign currency or travellers cheques, purchases of financial services such as insurance or investments);
- Cryptocurrency transactions;
- Any transactions out of your account that are disputed or we think are fraudulent.
When and how will I receive the Deliveroo vouchers?
- Vouchers will be sent each month, from December 2025 to May 2026, to the email address you provided during onboarding.
- Vouchers will be issued during the month after the one in which the qualifying transactions were completed.
- We are not able to reissue Deliveroo vouchers if your email address is incorrect; it is your responsibility to make sure your details are correct and up to date.
- You have 30 days to use your Deliveroo voucher before it expires. We’re unable to reissue expired or lost vouchers.
- There is no cash alternative available.
Both offers are subject to change and can be withdrawn without notice at any time.
Exclusive discounts to help you get started
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Student discounts and offers Retailer
Cashback
Discounts
Retailer
Ninja
Cashback
- 10% cashback
Discounts
- 26% discount on a Crispi air fryer
Retailer
Lenovo
Cashback
- 10% cashback
Discounts
- 21.5% discount on an IPSLIM3 15 inch Windows 11 Laptop
- 20% discount on a P12 Tablet
Retailer
BaByliss
Cashback
- 15% cashback
Discounts
- 4% discount on an Airwand
- 50% discount on a Black Onyx Straightener
Retailer
Veho
Cashback
- 15% cashback
Discounts
- 31% discount on a Pebble PZ-20 Powerbank
- 23% discount on a Pebble PQ-20 laptop powerbank
Retailer
JLAB
Cashback
- 15% cashback
Discounts
- 25% discount on Lux headphones
Conditions for this offer
- Offer ends 31 October 2025.
- Available only for Student Current Account customers, accounts opened after 20 October will not be eligible.
- You can view and activate your offers in the app or online banking.
- Discounts only apply when you use the link in Cashback Offers.
- Cashback is paid into your account at the end of the following month.
How to activate your offers
- Log in to the app or online banking and search for “Cashback Offers”
- Select “Yes, I want Cashback Offers” and follow the on-screen steps to opt in (if you haven’t already)
- Choose and activate the offers you’d like or click through directly to the retailer to apply the discount
- You can review or change your activated offers anytime.
More about Cashback Offers
Find out if you can apply
Are you an International student?
If you have not been a resident in the UK for at least 3 years, you will not be able to apply for a Student Current Account.
Instead, you might want to take a look at our other accounts.
Your perks from day one
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Whether it's the weekly shop, popping out for lunch or hitting the high street, Cashback Extras makes it easy to earn up to 15% cashback. The offers you get will come from places you might like to try, as well as places where you already shop. The retailers are just some of the offers you may receive, retailer offers and cashback amounts vary.
- Easy to use by simply selecting an offer on the app or in online banking.
- Spend and earn by using any of your Halifax debit or credit cards with your chosen retailers, in store or online, in line with the offer conditions. Your cashback will be paid into your current account at the end of the following month.
- Keep track by visiting the Cashback Extras hub to see what cashback you've earned.
Learn more about Cashback Extras
Manage your Cashback Extra offers using the mobile banking app or online banking. -
Struggling to save? Save the Change® can help your pennies turn into pounds. Switch it on and whenever you buy something with your Halifax debit card, we’ll round up your transaction to the nearest pound and put the difference in a nominated Halifax savings account.
For example, if your coffee cost £2.20, we’ll transfer 80p from your current account into your savings account. It’s a smart feature that helps turn leftover change into bigger savings.
Sometimes you might need a bit of extra support to help cover your costs while you’re studying. That’s where a student arranged overdraft can help. It’s like a safety net that lets you borrow money for a short time.
You’ll still need to pay it back, but we’ll send you an alert if you ever go over your limit so you can stay on top of things. You must be 18 or over to apply for an arranged overdraft.
Take a look at how the interest-free amount changes over the years. You can only apply for an arranged overdraft if you are 18 years or more.
If you are given an arranged overdraft limit higher than the interest free amount, you will be charged interest on any borrowing over and above the interest free amount.
All overdrafts are subject to application and repayable on demand. You must be 18 or over to apply.
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What is a Student arranged overdraft?
When you’re at university or college, sometimes you need the flexibility of extra money to help tide you over. Student arranged overdrafts can be a short term safety net when you need to borrow some money. With our student current account, you can apply for an interest-free arranged overdraft of up to £1,500 in years 1 - 3 of study and up to £2,000 in years 4 – 6 of study.
Like all forms of arranged overdrafts you’ll need to pay it back at some point, but don’t worry we’ll help you keep on top of your spending with mobile alerts to tell you when you’re over your limit. Plus when you graduate, you can keep the account with the same offers and features for up to 3 years after you graduate.
How can i get an arranged overdraft?
Apply for a student account, and we’ll tell you what arranged overdraft we can give you during your application. All overdrafts are subject to our assessment of your circumstances and are repayable on demand, including any interest.
How do I increase my arranged overdraft?
You can apply to extend it online, just log in to your online banking and complete the application form.
Existing student account customer? Find out more on overdrafts
Find out more about arranged overdrafts
If you already have a current account with us and would like an arranged overdraft, you can apply for one through online banking or the mobile banking app. You can also apply to increase your existing arranged overdraft too.
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When you graduate you will have an interest-free arranged overdraft offer that gradually reduces each year, helping you transition into professional life.
Arranged overdraft
You can apply for a tiered interest-free arranged overdraft of up to:
- £2,000 in your first year after graduating,
- £1,500 in your second year, and
- £1,000 in your third year.
Representative Example
A variable representative rate of 0% APR
A variable interest rate of 0% EAR
Based on borrowing £1,200
This example assumes you are in your second year after graduation.
If you have an overdraft limit greater than the interest free amount, then you will be charged 39.9% EAR (variable) representative on any amount you use above this limit.
How much does my overdraft cost in pounds and pence?
As an example, the interest cost of borrowing £500 is:
- £0.00 for 7 days
- £0.00 for 30 days
- £0.00 for 60 days
How does our overdraft compare?
You can use the representative APR to compare with other products or credit providers, this can help you make sure that you choose the right type of borrowing for you.
Arranged overdrafts are subject to application and approval and repayable on demand. You must be 18 or over to apply. Arranged overdraft limits and interest rates vary based on your individual circumstances.
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How does our overdraft compare?
You can use the representative APR to compare with other products or credit providers, this can help you make sure that you choose the right type of borrowing for you.
How much does my arranged overdraft cost in pounds and pence?As an example, the interest cost of borrowing £500 is:
- £0 for 7 days
- £0 for 30 days
- £0 for 60 days
If you don’t have enough money in your account or available arranged overdraft to make a payment, we may either let you borrow through an unarranged overdraft or refuse to make the payment. Missing payments and using an unarranged overdraft can damage your credit score, get in touch with us as we may be able to help you.
All overdrafts are subject to application and approval and are repayable on demand. You must be 18 or over to apply. Arranged overdraft limits and interest rates vary based on your individual circumstances.
*EAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged over the year based on how often and how much you are overdrawn by, and the effect of compounding it – charging interest on interest already charged. This interest rate does not include any other fees and charges.
Easy ways to grow your savings
18 to 25 Investing
Introducing 18 to 25 Investing, our free investment account for young investors. The ideal companion for students aspiring to smash their financial goals. Enjoy an account with no admin fees and take advantage of free regular investing, through our regular investment plan so even more of your money can go into your investments.
Remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest.
Think about what’s next
Frequently asked questions
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It’s a specially made bank account made for anyone in higher education. Whether you’re studying at university or full-time on an equivalent course of further education, a student account can help you easily manage your money.
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We understand the needs you have when studying. That’s why we offer an interest-free overdraft to help you have financial safety net. You’ll also discover helpful features like cashback at some of your favourite retailers, Save the Change and more.
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You’ll still get the same features and offers of this account for up to 3 years.
After 3 years, we’ll move you to our Current Account. We’ll also contact you 2 months before your account changes to let you know.
If you’re moving house, let us know your new address. You can also find your nearest branch if you’d prefer to let us know in person.
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For nursing and midwifery, a NMAS letter is accepted.
If you haven’t applied through UCAS, the original university offer letter on headed paper may be accepted. It needs to include:
- The student’s name and address
- Course name
- Course type and length
- Year of graduation
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You can do this. You’ll just need to log in to online banking and make sure you know your 4-digit UCAS code. Once you have changed your account, your sort code and account number will stay the same and you’ll also keep the same debit card.
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If you have a Halifax Student Account already, and continue straight onto a Masters Degree or PhD, you can extend your existing Student Account and have it for a maximum of 6 years while you study.
If you don’t have a Halifax Student Account, and are starting a Masters Degree, then you can open a new Student Account if you are 18 or over, have been a resident in the UK for at least 3 years and are studying for a full-time course that lasts for a minimum of 2 years or be on a 1 year access course leading onto a full-time degree.
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Yes, as long as you meet the standard criteria: you are 18 or over, have been a resident in the UK for at least 3 years and are on a degree course or equivalent full time education.
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What is a debit transaction?
A debit transaction is when money comes out of your account to pay for something, like buying lunch with your debit card or paying a bill directly from your account.
What is a credit transaction?
A credit transaction is when money comes into your account. For example, getting paid or someone transferring money to you.
What is a pending transaction?
A pending transaction is a payment that's been made but hasn't fully gone through yet. You'll see it in your account under "pending transactions" until the final amount is confirmed and it fully comes out of your balance.
What does contactless mean?
Contactless is a quick way to pay using your card or phone by tapping it on the card reader instead of entering your PIN.
What is a sort code?
A sort code is a 6-digit number that identifies your bank and branch, it's used alongside your account number to send or receive money.
What is a faster payment?
A faster payment is a bank transfer that usually arrives in the other person's account within minutes, 24/7.
What is a BACS payment?
BACS is a type of bank transfer that usually takes up to 3 working days. It's often used for wages, benefits, or paying bills.
What is a direct debit?
A direct debit is when you give a company permission to take money from your account automatically. For example, to pay your phone bill each month.
What is a standing order?
A standing order is when you set up a regular payment to someone else, like paying your rent on the same date each month.
Still need some more information?
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We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take 7 working days. As your new current account provider we offer the following guarantee.
- The service is free to use and you can choose and agree your switch date with us.
- We will take care of moving all your payments going out (for example, your direct debits and standing orders) and those coming in (for example, your salary).
- If you have money in your old account, we will transfer it to your new account on your switch date.
- We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
- If there are any issues in making the switch, we will contact you before your switch date.
- If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.
For more information and FAQs, read the Account Switching Guide (PDF, 1.68 MB).
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Find out how fraud can harm you and what you can do to stop it:
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