Account features

  • Apply for an interest-free arranged overdraft of up to £1,500 – for the duration of your course and 3 years after you graduate
  • Free everyday banking when you stay in credit – no monthly fee
  • Up to 15% cashback at some of your favourite retailers – shop with our Cashback Extras to earn some extra cash
  • Save the Change® – rounds up your transactions to the nearest pound and puts the difference in a nominated Halifax savings account
  • Earn interest – get paid a little extra with an interest rate of 0.50% AER (0.50% gross p.a) variable on any credit balance

  • 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 above are just some of the offers you may receive, retailer offers and cashback amounts vary.

    • Easy to use - simply select an offer on our app or in Online Banking.
    • Spend and earn - use 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 - visit the Cashback Extras hub to see what cashback you've earned.
    Learn more at Cashback Extras.
     
    Manage your Cashback Extra offers using our 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. 

    Learn more about Save the Change

    Switch on Save the Change

  • What is the credit interest rate on this account?

    Your balance

    AERAERAER stands for Annual Equivalent Rate. Whenever you see an advert for a savings account which shows an interest rate, you will see the AER. This means you can use the AER to compare accounts. It shows what the interest rate would be if your interest was paid and compounded once each year. %

    GrossGrossGross rate means that no tax will be automatically deducted from interest on your behalf. Depending on your personal circumstances, you may need to pay tax on the interest you earn and it will be your responsibility to pay any tax you may owe to HM Revenue and Customs (HMRC). %

    Your balance

    £0.01 and above

    AERAERAER stands for Annual Equivalent Rate. Whenever you see an advert for a savings account which shows an interest rate, you will see the AER. This means you can use the AER to compare accounts. It shows what the interest rate would be if your interest was paid and compounded once each year. %

    0.50

    GrossGrossGross rate means that no tax will be automatically deducted from interest on your behalf. Depending on your personal circumstances, you may need to pay tax on the interest you earn and it will be your responsibility to pay any tax you may owe to HM Revenue and Customs (HMRC). %

    0.50

    Interest rates

    You could earn 0.50% AER (0.50% gross p.a.) variable credit interest on any balance of £0.01 and above.

    For example, when you have £1 in your account, you could earn interest of 0.50% AER (0.50% gross p.a.) variable on £1.00.

    When is the credit interest paid?

    The credit interest earned will be paid into your Student Current Account on a monthly basis.

    If you do not earn the credit interest, you won't receive payment the following calendar month.

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App features

  • Freeze your card – temporarily stop your card being used with just a few taps
  • Keep an eye on your credit score – get tips on how to improve it and more with our Your Credit Score feature
  • Mobile alerts – get mobile alerts every time you spend
Download app
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Are you an International student?

If you have not been a resident in the UK for at least three 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.

View other accounts

Arranged Overdraft Information

An arranged overdraft can act as a short term safety net. You can use it to borrow money up to an agreed limit through your bank account.

 

  • You can apply to add an arranged overdraft to your account and you’ll only pay daily arranged overdraft interest if you use an arranged overdraft more than your interest-free amount.
  • If you use your arranged overdraft over your interest-free amount but pay it back before the end of the day, then you won't pay any arranged overdraft interest for that day.




Applying for an arranged overdraft -
When you have applied for this account, at the end of the application you can apply for an arranged overdraft which will be subject to eligibility and if offered, you can add right away. You can also apply for one later.

 

Amending an arranged overdraft - You can reduce or remove your arranged overdraft at any time through Mobile Banking, Online Banking or Telephone Banking or by visiting your branch. But you must repay anything you owe if you want to remove an arranged overdraft or anything over the new reduced limit you want. You can also apply to increase it. Using an arranged overdraft increases your overall borrowing and may affect your credit score.

 

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.

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 the second year of your studies.

Helpful tools

You can use our eligibility checker and cost calculator to check your eligibility and calculate the cost of an arranged overdraft.


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, please 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.

Ready to apply for a Student Current Account?

You’ll need to be 18 or over and on a degree course or equivalent full-time education.

Apply for a new account

You can do this on our Mobile Banking app by scanning the QR code, online or in any Halifax branch with your ID documents. You’ll need:

  • Your 4-digit UCAS code confirming your place for your course. You can find this when you log in to the UCAS portal
  • Proof of identity, such as a driving licence or passport
  • Proof of address, such as a utility bill or bank statement (branch)

Account opening is subject to our assessment of your circumstances.

Continue on the website

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Change an existing account

Sign in via Online Banking by selecting the 'Sign in to apply' button.

  • During the application, you’ll be asked for your 4-digit UCAS code
  • Your sort code and account number will stay the same

Sign in to apply

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Download the app to apply

You can do this on our Mobile Banking app, online or in any Halifax branch with your ID documents. You’ll need:

  • Your 4-digit UCAS code confirming your place for your course. You can find this when you log in to the UCAS portal
  • Proof of identity, such as a driving licence or passport
  • Proof of address, such as a utility bill or bank statement (branch)

Account opening is subject to our assessment of your circumstances.

Get started on the app

Continue on the website

Change an existing account

Sign in via Online Banking by selecting the 'Sign in to apply' button.

  • During the application, you’ll be asked for your 4-digit UCAS code
  • Your sort code and account number will stay the same

Sign in to apply

Frequently asked questions
 

Still need some more information?
 

Have you seen the other accounts we have to offer?

Compare all our accounts

We offer a range of current accounts to suit different needs

Compare all our bank accounts
 

18-25 Investing

Introducing 18-25 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, so even more of your money can go into your investments!

Open an account

Please 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.

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Download the statement of responsibilities (PDF 60KB)

Speak to us

You can call us on 0345 720 3040  from 8am – 8pm, seven days a week. Not all Telephone Banking services are available 24 hours a day, seven days a week.

If you would prefer to see us in person, just pop into your local branch.

Halifax current accounts and services are offered subject to status. Available only to personal customers aged 18 or over who are resident in the UK.

Whether you can have an arranged overdraft and the amount will depend upon your personal circumstances at the time you apply for one. Any overdraft we agree is repayable on demand.

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We offer a range of current accounts to suit different needs.

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Compare current accounts

We offer a range of current accounts to suit different needs.

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