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Student

Interest-free overdraft up to £1000 with an instant online decision
Students studying medicine, dentistry, law, accountancy, pharmacy, optometry, physiotherapy and veterinary science can apply for an interest-free overdraft limit of up to £3,000
Multiple ways to pay: Apple Pay, Google Pay™ and contactless debit card. Limits apply
No monthly fee

Student bank account

Get cash without your bank card. No card? No worries!

Our mobile app lets you withdraw money (up to £130 of your money per day, you must have at least £10 available, including any overdraft facility) from Ulster Bank, RBS, NatWest or Tesco cash machines, as long as it’s within your daily withdrawal limit, criteria applies.

Get Cash is a function on our Mobile Banking app that lets you withdraw money quickly without using your bank card. It's great for those times, when you pop out during your lunch hour, but don't have cash on you.

Commission free travel money - pack your bags!

Pick up commission-free foreign currency online with Ulster Bank before you travel.

Pay back your friends with our Mobile Banking app

If the person you’re paying is a NatWest, RBS, Ulster Bank, NatWest Offshore or Isle of Man Bank Mobile app user, they’ll receive a text and the money will be in their account instantly.

You must have available funds to send from your account (including any overdraft facility). There is a maximum payment of £250 a day, which is separate from daily withdrawal and Get Cash limits.

Eligibility: Apply online now. Available to UK residents aged 18 or over, in a full-time third level course which lasts at least two and no longer than five years. Lending criteria, terms and conditions apply.

Other features

Arranged overdrafts

An overdraft is a form of short term borrowing and is repayable on demand. If you don't repay what is owed, you could harm your credit score and borrowing capability. Understand the cost and impact of overdrafts and use our eligibility checker to find out if you’re likely to be approved below.

How do overdrafts work?

There are two different types of overdraft:

An arranged overdraft, which allows you to go overdrawn up to an agreed limit. This is the type of overdraft you could apply for here. During your application for an arranged overdraft, we'll run a full credit check to determine how much we can offer you.
An unarranged overdraft. This is when you spend more money than you have in your current account without already having an arranged overdraft, or when you exceed your current arranged overdraft limit.

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected.

How much will an overdraft cost?

This account offers an overdraft facility (subject to eligibility). You can check if you're likely to be accepted for an overdraft using our eligibility tool.

Looking to understand the costs of an overdraft of more or less than £500 over different periods of time? Use our handy cost calculator.

More about Overdrafts.

Switching to Ulster Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account within 7 working days, including Direct Debits and standing orders.

How does the switch work?

All you need to do is tell us the details of your old bank account and when you want the switch to start.

We can't switch savings accounts or ISAs through this service. Any other products you have with your old bank won't be moved at the same time.

Current Account Switch Guarantee (PDF, 39 KB)

A Guide to Switching Current Accounts (PDF, 309 KB)

Third Party Permissions

If you have given permissions to Third Party Providers to make payments on your behalf, or to access your financial data, access to these services won’t be transferred automatically to your new account as part of the Current Account Switch Service.

Before you close your old account, check whether you have any Third Party Provider permissions set up and if so, who with.

Once your new account is open you can give your permission to the Third Party Provider to access your new account by providing them with your new account details. You will need to contact the Third Party Provider directly yourself to set this up.

If you are unsure as to whether we will support the third party provider permissions on your account, you can contact us for further information and support.

Please check our account terms and conditions for more information about Third Party Providers.

Important information

Please take some time to review, print and/or save the important information.

Your Current Account Terms (PDF, 1 MB)

FSCS Information Sheet (PDF, 135 KB)

Fee Information Document (PDF, 1 MB)

What You Need Know (PDF, 364 KB)

Our Lending Commitments (PDF, 531 KB)

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

By continuing you're confirming you've provided with, and have acknowledged our important documents, including the FSCS information sheet.

All okay? You're nearly ready to start.

To speed up your application for our Student account, we need to do a few final checks with you. They'll only take a minute.

Continue

What would you like to do today?

Open a new Student account

Change your existing current account to a Student account

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Previous question

Do you have a current account with us?

Yes

No

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Previous question

Changing to a Student account

You’ll need to change your existing bank account to a Student account. It won’t take long, you just need:

The account number and sort code of the account you want to change. You can find these in your app/Anytime Banking.
Proof of your UK student status, such as: UCAS status code, UCAS letter, letter from your University, and many more.

As you’re changing your existing account to another, you’ll:

Keep your existing sort code, account number and debit card. Your existing standing orders and direct debits will stay the same.
Retain your arranged overdraft limit.
See no impact to your credit rating.

Have you lived in the UK for:

3 years or more

Less than 3 years

Continue

Previous question

You're all set

Your application will be completely online, as part of our checks we'll ask our partner Mitek to confirm your identity using;

A Liveness check, a short video to compare your photo ID
Photo ID, which must be a Passport, UK or EU/EEA Driving Licence or an EU/EEA National ID card
Proof of your address, such as a utility bill, bank statement or driving licence
Proof of your UK student status, such as: UCAS 16 digit code, UCAS letter, letter from your University, and many more.

Sorry, you can't apply for this account

You can view our full range of accounts and apply for a suitable one.

Compare our current accounts

You're all set

During the application, you'll need:

The account number and sort code of the account you want to change. You can find these in your app/Anytime Banking.
Proof of your UK student status, such as: UCAS status code, UCAS letter, letter from your University, and many more.

As you’re changing your existing account to another, you’ll:

Keep your existing sort code, account number and debit card. Your existing standing orders and direct debits will stay the same.
Retain your arranged overdraft limit.
See no impact to your credit rating.

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