Choosing a student bank account is mostly a borrowing decision. The key feature is the size and structure of the interest-free overdraft.
1 Mar 2026 · 1 min read · Spencer Properties
Choosing a student bank account is mostly a borrowing decision. For most students, the key feature is the size and structure of the interest-free overdraft.
Compare the overdraft, how it tapers after you graduate, and whether the extras (railcards, extras apps, cashback) are things you’ll actually use.
Open the account before you arrive if you can. Freshers week is a bad time to also be on hold to a bank.
