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Dom

Member

Registered: 13th Sep 03
User status: Offline

18th Mar 05 at 20:27

Right guys,
Just been butchering around for info on student accounts and just wondering who everyone (at uni) currently bank with, good/bad points, what they offer etc?

Im with barclays at the mo, but my mate has suggested HSBC as they offer a good student package and insurance (something which i need with all my music equipment) - but apparently there internet banking is abit wank

Also, can anyone point me in the direction of student loads? - I know its to do with my LEA and that, and i can sign up at www.studentfinancedirect.co.uk (currently down

) but anyone got any websites/info on loans etc as im completly lost on where the load comes from, payments, how much im allowed etc etc

tar all,
Dom

Jamie

Member

Registered: 1st Apr 02
Location: Aberdeen
User status: Offline

18th Mar 05 at 20:35

Guessing you live away from home?

I'm with Bank Of Scotland and get £100 overdraft

Never touched it, BUT I am living at home thru College & Uni.

Dom

Member

Registered: 13th Sep 03
User status: Offline

18th Mar 05 at 20:46

yea, im going to huddersfield so im staying on campus there - hence why i need insurance etc etc

yea barclays and HSBC both offer good overdrafts (like 200 quid+), but just wondering if anyone uses either of them, good/bad points with either etc

I did have a look at natwest, but they dont seem to offer a lot from what they state on there site, but again, if anyone uses them etc

Jamie

Member

Registered: 1st Apr 02
Location: Aberdeen
User status: Offline

18th Mar 05 at 20:48

I opened an account with NatWest about two years ago
got £50 free, and the idea is that you put your loan in

Seeing as SAAS pay for Scottish tuition fees i didnt get a loan

So that was a cheap night out

Sorry cant be of more help, probably best speaking to your Student Union

Welsh Dan

Member

Registered: 23rd Mar 00
User status: Offline

18th Mar 05 at 22:48

I have two student accounts. One through HSBC and the other through Halifax. Both offer £750 interest free overdraft in the first year, £1000 the second and £1250 the third. Halifax charge for going over your overdraft and HSBC are usually more lenient. However, Halifax is quicker to pay in money and less hassle.

SetH

Member

Registered: 15th Jul 01
User status: Offline

18th Mar 05 at 22:49

HSBC been really good to me, and their graduate package is ace also. gave me a 2 grand ovedraft which was interest free for 3 years. graduate personal loan at a wicked rate as well. worth thinking long time for when u finish uni as well imho.

Andrew

Member

Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline

18th Mar 05 at 23:27

Bank with Lloyds TSB. I remember my Dad taking my sister and I to open the accounts when I was around 6 or 7. Just kept with that bank ever since. Seems silly to open another account when this one does everything I need. Whenever I ask them for anything there fine about it and haven’t been turned down ever so far but I tend to keep the account fairly high in credit.

Also got a couple of Halifax saving accounts. They are a bit of a pain as you have to order large quantities of cash 7 days before hand. Don’t really use them much but will be doing so in the next couple of years as I wanna save for a deposit on either a rundown house and do it up or an apartment.

Carl

Member

Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline

19th Mar 05 at 00:37

i'm with NAtwest, got a 1000 quid intrest free overdraft for the first year and it goes up every year, try not to use it but im 100 into it already!

infinitycorsa

Member

Registered: 3rd Apr 02
Location: Stourport-on-Severn, Hereford and Worcester
User status: Offline

19th Mar 05 at 00:38

i dont have any probs with hsbc online at all

personel choice

Karen

Member

Registered: 9th Jul 03
Location: Edinburgh
User status: Offline

19th Mar 05 at 00:41

quote:
Originally posted by Peugeot Nut
Also got a couple of Halifax saving accounts. They are a bit of a pain as you have to order large quantities of cash 7 days before hand.

And who told u this?

I worked at Halifax. You can go in anytime and get as much money out as u want as long as u have the funds in the account
Only account u needed to wait was the ISA but they changed the law on this and u can now take money out there without notice now too

[Edited on 19-03-2005 by foxy lady]

Cavey

Member

Registered: 11th Nov 02
Location: Derby
User status: Offline

19th Mar 05 at 01:36

Natwest are good, certain places will give you cashback still, even when you're over ur overdraft limit !!

Good for me, shit for debt tho

John

Member

Registered: 30th Jun 03
User status: Offline

19th Mar 05 at 02:19

RBS, 1250 overdraft in the 1st year. Goes up every year if you want afaik.

Simon

Member

Registered: 24th Apr 03
Location: Oxfordshire
User status: Offline

19th Mar 05 at 17:43

quote:
Originally posted by CrazyCarlo
i'm with NAtwest, got a 1000 quid intrest free overdraft for the first year and it goes up every year, try not to use it but im 100 into it already!

Im with them too plus got a free 5year rail card when signed up which is good.

Thoday

Member

Registered: 12th Jan 03
Location: Drove kitted corsa b now standard corcs c exclusiv
User status: Offline

19th Mar 05 at 17:57

i got £40 free from Abbey and a £1600 interest free overdraft

Tom_1.216v

Member

Registered: 16th Apr 04
Location: SOUTHAMPTON
User status: Offline

19th Mar 05 at 19:19

you'll get somin like £4200 a year of the Lea.

Dom

Member

Registered: 13th Sep 03
User status: Offline

19th Mar 05 at 20:11

cheers all

ill have to go around the banks then later this week and see what goodies they'll offer apart from the usual - railcard would be extremely useful

cheers again peeps,
dom

Andrew

Member

Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline

19th Mar 05 at 20:18

quote:
Originally posted by foxy lady

quote:
Originally posted by Peugeot Nut
Also got a couple of Halifax saving accounts. They are a bit of a pain as you have to order large quantities of cash 7 days before hand.

And who told u this?
I worked at Halifax. You can go in anytime and get as much money out as u want as long as u have the funds in the account
Only account u needed to wait was the ISA but they changed the law on this and u can now take money out there without notice now too

[Edited on 19-03-2005 by foxy lady]

One account is an ISA and the other an Instant Saver. Haven't needed to take any money out for over 6 months. However, it's probably because i use a small branch and they don't keep much money on the premises.

antscorsa

Member

Registered: 11th Aug 02
Location: london
User status: Offline

19th Mar 05 at 20:38

have a 1250 overdraft from abbey national but i think i need a job cos im 700 into it

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