To be eligible for the Santander 1|2|3 Student Current Account, you’ll need to use it as your primary account, … You can access the 1|2|3 Student Current Account anytime, anywhere. If your offer is subject to you achieving certain results, please wait until your place has been confirmed following your results before applying.As part of your application:• You'll need to provide proof of study e.g. www.santander.co.uk. Santander and the flame logo are registered trademarks. Assuming your account is well managed, and depending on the length of your university course or apprenticeship, your arranged overdraft limit will be as follows⁴: When your period of study ends, your account will either be closed or transferred to a different Santander Account - in either case, you’ll be given notice in advance of the change⁴. If you travel a lot, or are an international student receiving money from home, you might benefit from getting a specialist product, such as the borderless multi-currency account from TransferWise, to cut the costs on international payments, and spending while overseas. 5.https://www.santander.co.uk/assets/s3fs-public/documents/fid-student-current-account.pdf First thing's first, you need to choose the bank account you want to switch to. Open and use a new Student Value Checking account to earn a $50 bonuswith this offer. Children’s accounts Face-to-face support in branch and UK-based telephone support: This is a paper-free account which means: Keep your banking details private and secure. Once the account has been open for at least 24 hours, you can update your account settings at any time to start receiving statements and other correspondence by post. If you do hold a Santander current account, you’ll need to transfer it. Doing a bit of research, and thinking carefully about the way you’ll use your account is the best way to get the right solution for your needs. pay in £500 and continue to pay in at least £500 per academic term. Most banks actively target students in the hope that once you’ve graduated and start making money, you’ll stick with them. Banks and money transfer providers often give you a bad exchange rate to make extra profits, and most of them use intermediary banks to send your money across borders. This should only take 10 minutes - although you also have the option of visiting a branch if you want some face to face help². The Fee Information Document (116 KB) details the main fees and charges on this account. Eligible for Retailer Offers, customers must use online or mobile banking to qualify. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Investment fees, charges and key documents, 1|2|3 Student Current Account Key Facts Document (pdf) (3.52 MB), 1|2|3 Student Current Account Fee Information Document (pdf) (116 KB), Santander 16-25 Railcard Terms and Conditions, 1|2|3 Graduate Current Account Key Facts Document (3.51 MB), A free 4-year Santander 16-25 Railcard to save 1/3 on rail travel in Great Britain, An interest-free arranged overdraft of £1,500 in years 1-3, £1,800 in year 4 and £2,000 if you stay on to year 5 - Learn more in our 'Overdrafts and charges' section below, From 12 April 2021, no interest paid on balances. The Santander 16-25 Railcard also gives you access to exclusive deals on holidays, eating out, top attractions and more. Opening a bank account in Spain shouldn’t be such a difficult process. You'll receive your 16-25 Railcard within 5 working days of completing your order. Manage Your Account – Your Way Whether you bank on your phone, laptop, or tablet, digital banking allows you to manage your money where and when it works for you. Santander. Your documents, statements and some of your letters will be sent as e-Documents to your secure inbox on Online Banking (unless you require documents in an alternative format, such as Braille). The account also offers an interest-free and fee-free arranged overdraft up to a maximum of £1,500 in the first three years of study, £1,800 in year four and up to £2,000 in year five. 4.https://www.santander.co.uk/assets/s3fs-public/documents/123-student-current-account-kfd_0.pdf 2. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. We may ask you to repay all or part of your overdraft at any time but we'll try to notify you of this in advance. TransferWise is different. $50 bonus offer expires 9/30/2020 2. 2.https://www.santander.co.uk/personal/current-accounts/123-student-current-account/apply-for-a-123-student-current-account Student Value Checking Santander ® Basic Checking Simply Right ® Checking Santander ® Premier Plus Checking; What is it: An account designed for Students. Information correct as at 14 January 2021. *All sources checked on March 7, 2019. Santander’s 123 Student Current Account, for example, offers a free 16-25 Railcard for new customers, which is valid for four years and saves students up to one third on most rail fares, making this account a great choice for students who regularly travel by train. It was praised for continuing to offer a four-year railcard worth around £90 and interest on credit balances, with the ability to earn up to £60 a year in interest. 1. we’ll automatically increase your overdraft limit as shown below at the start of each year of study. A Santander 123 Student Current Account is designed with students in mind, generally considered as one of the best student bank accounts in the UK. Earn a $225 bonus from Santander Bank when you refer a friend and they open Checking Account and meet all the requirements.. What you’ll get: $225 Bonus Eligible account: Santander Checking Account Credit inquiry: Soft pull Where it’s available: NH, MA, RI, CT, DE, NY, NJ & PA; How to earn it: Open a qualifying account with Santander Bank If you already bank with Santander, you'll need to close or transfer your existing account, so that your student current account is your main bank account. Santander Bank $225 Checking Bonus. There are, however, some fees you need to know about, especially when it comes to using your account to send and receive international payments, or cover your costs while you travel. There are, however, some fees you need to know about, especially when it comes to using your account to send and receive international payments, or cover your costs while you travel. Earn up to 15% cashback with Retailer Offers. Once you graduate, Santander will either close your account or transfer you to a 1|2|3 Graduate Account⁴. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. You’ll get a free Santander 16-25 Railcard which could save you 1/3 on rail travel in Great Britain letting you travel all over England, Scotland and Wales for less. The Santander 1|2|3 Student Current Account has many great features for students, but there are also fees and charges to be aware of. This acco… Students usually need extra support with their finances and Santander’s student’s account provides it through a fee-free overdraft feature, a decent interest rate on the account balance and a free railcard. The top student account freebie is offered by Santander. The purpose of a representative APR is to enable customers to compare the costs associated with different credit products. This is because you can’t run a student account alongside another account with Santander, so you’ll need to close your original Santander account before you can get started with your student account. The free four-year Santander Railcard is worth around £90 (four-year cards aren't available for general purchase but three-year Railcards cost £70 and one-year Railcards cost £30). All other fees apply. To be eligible for the Santander 1|2|3 Student Current Account, you’ll need to use it as your primary account, and pay into it every academic term¹. Santander 123 Student Account - you can get up to £2,000 overdraft in your 5th year at 0%. This account also includes free non-Santander Bank ATM withdrawals, free paper statements, and access to a dedicated personal banker. Going to university can be expensive. If we don’t have a valid mobile number for you, we might not be able to reach you. Calls may be recorded or monitored. Student Value Checking: Students ages 16-25 can open this account, which has no monthly service charge. You can access the 1|2|3 Student Current Account anytime, anywhere. To open your Santander student account you’ll need to have the following³: Santander’s account for students is called the 1|2|3 Student Current Account. However, it’s not necessarily the best account for all your financial transactions. Santander UK plc. You’ll be eligible for all the benefits of banking with Santander if you’re 18 or over and live in the UK full time, you’re studying or about to begin a degree-level course of at least two years in length and pay at least £500 per term. Opening a bank account in Canada can be difficult if you’re not a resident but not impossible. It’s a great solution if you’re an international student in the UK and receiving money from back home, or a British citizen taking time to study overseas - or even if you just love to make the most of the university holidays to travel. Check our comprehensive guide on how to go about it. Santander only pays interest & cashback in months you've paid in £500+, had two 'active' (so not disused) Direct Debits, and paid your monthly fee. Check our comprehensive guide on how to go about it. This is the only checking account that earns interest at Santander Bank. Its smart new technology skips hefty international transfer fees by connecting local bank accounts all around the world. You might choose to get an alternative account to use for sending and receiving international payments, and spending while you travel, for example. Keep the account open and in good standing for 90 days. £1.99) if you withdraw in pounds, 1.5% of the transaction value (min. Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions. Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions. Classes you have to pay for, books you have to buy and, if possible, you want to enjoy student life as well. Your account will automatically transfer to our 1|2|3 Graduate Current Account (3.51 MB) at the end of your course. Check out this new Santander Student Checking Deal (must use this link) to get a $25 cash bonus when you open a new Student Value Checking Account by March 31, 2019, and make 10 debit card purchases with your Santander Debit Card within 60 days of account opening. Rates are displayed to two decimal places. More on that later. your account makes or may make  use of an unarranged overdraft, you have regular payments due on your account and you don’t have the funds to cover them. This means you can’t apply until you've received your exam results if your university place was offered on a conditional basis. How does our overdraft compare? If you're about to begin an apprenticeship, your place on the apprenticeship must have been confirmed. This is fee free for the duration of your student account if you stay within the arranged overdraft limit - but you may find you need to pay fees on this facility after your finish studying, depending on the account type you transfer to. You can ask to reduce the limit at any time. You’ll be automatically set up to receive text alerts when: You’ll also be automatically set up to receive an alert when your account goes further into arranged overdraft which may cause the cost to increase. ; Have direct deposits of $4,000 or more post to the account in the first 90 days. You'll need to provide us with an email address when you open the account as we’ll send you an email to let you know when a document is ready to view. That means you can receive money via local payment methods in these major world currencies, just like a local. best student bank account providers for 2019 was Santander's 123 Student account, with a customer score of 76%. UCAS Digital AS12, a student ID card (must include expiry date), a letter from your higher education provider, or apprenticeship confirmation from your university and/or employer. A borderless account can mean you save money on international bank fees - and have more to spend on yourself. For more information about our approach to security as well as more useful information to help you stop the threat of fraud visit our Security Centre. Your account will be opened on the same day as your appointment in most cases, and you will be provided with your account details for transferring money into the account immediately. For more information visit Account alertsYou can manage your alerts settings at any time by using Online Banking, calling us on 0800 9 123 123 or visiting a branch. Also ranked Which? The Student Value Checking account is eligible for the offer 4. There is a cost associated with using an overdraft. A good alternative to look at - especially if you send and receive international payments frequently, or love to travel - is the TransferWise borderless account. First things first: what are the different accounts available? For further explanation of our main terms and services take a look at our Glossary. These arrangements are made with the Santander branch on the UCL … To view these documents you may need to download Adobe Reader​​​​. If you're about to begin your university studies, you must have a ‘confirmed conditional’ offer (this is given once you have received your results) or an ‘unconditional’ offer of a university place. Before you get started, a bit of information about international payments. If you’re about to begin your course, you must have an ‘unconditional’ or ‘confirmed conditional’ offer (i.e. An overdraft lets you borrow through your current account. To increase this to £1,500 you’ll need to: The table below shows you how you’ll be charged for using your overdraft. Here in the United States, we offer simple, personal and fair financial solutions to help our customers prosper. Use the tools below to refine your search by only displaying reviews with a certain number of star ratings or to only show reviews from a certain time period. Check our comprehensive guide on how to go about it. Sources used for this article: This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It’s intended mainly for short term costs or emergencies and isn’t generally suitable for longer-term borrowing. Activate your Santander Debit Mastercard ®: You'll receive it in the mail within 5 to 7 days. It is not intended to amount to advice on which you should rely. If you have a 1|2|3 Mini Current Account and are in, or going into your first year of study on an undergraduate course, you can change your account online. As long as you meet the eligibility requirements for the 1|2|3 Student Current Account, you’ll get an arranged overdraft facility. You must be able to provide your UCAS 4-digit status code. Nationwide FlexStudent Account - you can get up to £3,000 0% overdraft in your 3rd year. Santander has one current account available for students – the Santander 123 Student Current Account. you have your exam results) before you apply, You pay in at least £500 per academic term. Registered Number 2294747. This means you’re getting the very best available exchange rate, and you’ll only ever pay a low, transparent fee, which you’ll always see upfront. Refine your search. You will get 4.89 per cent interest on up to £500 paid monthly. borderless multi-currency account from TransferWise, how to make your first transfer with TransferWise, How to open a bank account in the United Kingdom, How to open a bank account in Switzerland, Your address history for the previous 3 years - you may need a, Proof of your status as a student - this could be a student ID card or a letter from your university confirming you've been accepted, for example, Details of your incoming and outgoing payments, 1.5% of value (min. Find out more at Santander.co.uk Opening a bank account in Indonesia should no longer be complex. When you try to make a payment that would take you into an unarranged overdraft, we make the decision whether to allow or reject the payment based on your individual circumstances. Among the student current account options is the Santander 1|2|3 Student Current Account. You’ll need to show that you have already started university, or have received an unconditional or confirmed conditional offer for a place on a recognised course of study. Santander's 1|2|3 Student Current Account offers interest of up to 3%, a free 4-year 16-25 Railcard and is once again set be the most popular UK student account 2. A simple and intuitive account that makes it easy to waive the Monthly Fee. If you’re about to start university in the UK - or if you’re already taking an undergraduate course or level 4-7 apprenticeship - you might be eligible for a student account from Santander. Before 12 April 2021, monthly interest of 1%, You’re 18 or over and live in the UK permanently, You’re studying or are about to begin an undergraduate course that is at least 2 years in length, or level 4 to 7 apprenticeship. Telephone 0800 389 7000. You can save more than £20,000 in the account, but won't earn interest on anything over £20,000. The 123 Student Current Account is a great option for those considering opening a student bank account. The way you manage your overdraft, for example if you don’t repay your interest and charges regularly, may affect your credit file. 3.https://apply.santander.co.uk/PubRetOJBankWeb/ola.htm?_flowId=student&fatca=true&psb=3007190000001&pss1=3007190000002&pss2=3007190000004&pss3=3007190000006&pss4=3007190000008&pss5=3007190000010&psd=5057000000001&ex=310520&refId=student&PPC=3007220000001 View all current accounts. Opening a bank account in the UK is no longer difficult as it was before. As your course period may not match a standard university academic year, you may find that your overdraft limit changes earlier than expected (in line with the account’s overdraft structure) and, that your account may move to the 1|2|3 Graduate Account before you finish your course. 1 No Monthly Fee for Santander ® Savings with any personal Santander checking account or with $100 average daily balance in the Santander ® Savings account (otherwise, $1.00). You’ll be able to send and receive international payments, and use your debit card overseas⁴ - but there are fees for these services you’ll want to know about. When you’re choosing the right student account for you, it pays to shop around a little. An account with a low, predictable Monthly Fee. Use promo code STUDENT50 3. The Santander 1|2|3 Student Current Account offers a number of features tailored to those in higher education. Spain’s biggest bank offers a wide range of current accounts including a basic account, a classic account a young person’s account and a non-resident account. Check out how to make your first transfer with TransferWise. Oh, and TransferWise gives you the most fair exchange rate out there, the mid-market exchange rate. There is, however, no change to how the overdraft works on the 123 student account – your entire overdraft will remain interest-free. One of the key features of the borderless account is that you can hold multiple currencies, and switch between them using the mid-market rate, whenever you need to. For more information on the Santander 16-25 Railcard please see the Frequently Asked Questions in our help and support section or visit the Rail Delivery Group FAQs page. where a payment is refused as you don’t have enough funds. If you exceed your arranged overdraft, you’ll also have to pay fees⁴. This account offers some student-friendly perks like a free 4 year railcard, which gives a reduced price for rail fares, and discounts of up to 15% at some partner retailers. We’ll send the alerts before your account is charged so that you have plenty of time to pay in money and either avoid or reduce overdraft charges. Once you switch on Retailer Offers in Online or Mobile Banking, you’ll be able to choose the offers you’re interested in and earn up to 15% cashback just by using your Santander cards. We are Santander US, and we’re wholly owned by Santander Group, a global bank which serves more than 100 million customers in the United Kingdom, Latin America and Europe. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. To be eligible for this student account you must be starting a university undergraduate course which is at least 2 years long, or a level 4-7 apprenticeship¹. An unarranged overdraft occurs when your account goes overdrawn without an arranged overdraft in place or if your account goes over your arranged overdraft limit. Student and Graduate Opportunities WHO WE ARE. This could make it harder or more expensive to get credit with us or other providers in the future. However, there’s an alternative. Online Banking; Mobile Banking; Get personalised spend insights with My Money Manager; Register to receive mobile-to-mobile payments with Paym; Contactless payments with your mobile by linking your Santander debit or credit card to your Apple, Android or Samsung device. And give it a try. Register to receive mobile-to-mobile payments with, Contactless payments with your mobile by linking your Santander debit or credit card to your. You’ll get a debit card and overdraft facilities, which can increase over time, depending on how you manage your account¹. You may need to book an appointment, Report a lost or stolen cardHelp with Online BankingHelp with Mobile BankingT&C and policy documentsRetailer Offers, How to update your contact detailsUsing your debit card outside the UKBereavement supportMoney worries, We offer a simple, reliable and stress-free way to switch your current account to a new or existing Santander account, Not sure which current account is right for you? Santander Financial Services plc is incorporated in England and Wales with number 2338548 and its registered office is 2 Triton Square, Regent’s Place, London NW1 3AN, United Kingdom. You don’t already have an existing Santander current account. Santander, for example offers a four-year railcard for discounted train journeys for students aged 16-25 with its 123 account. Open a new and eligible Santander Bank Checking by 3/31/2021 using the unique promotion code shown on this page after you provide your name and email address. You also get a four-year 16-25 Railcard (worth £90ish) which gets you a third off rail travel, though you may not be travelling as much as normal with coronavirus travel restrictions and more online lectures. £1.99) + 2.75% of the value if you withdraw in a foreign currency, Withdrawing from a Santander ATM in Spain is fee free, Allowing a payment despite lack of funds - £5, Refusing a payment due to lack of funds - £10. The Santander 123* student account gives accepted full-time students and apprentices a guaranteed £1,500 overdraft in years one to three. You’re about to begin or have started an undergraduate course, or degree-level apprenticeship (level 4-7) that is at least 2 years in length. Here’s all you need to know about the Santander student account. Interest is paid on balances of £300-£2,000, and the account is paper free, with online banking facilities¹. The Santander student current account offers some attractive features for students, including discounts on rail fares and an overdraft facility¹. You also get a free 4 year 16-25 railcard. When you open your account you’ll get an arranged overdraft limit of £250. 123 Student Current Account. Learn more about student accounts. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. Here are the main fees you need to know about - you can get the full terms and conditions online from Santander, before you open your account⁵. Santander Student Current Account - Ask a question now. Santander is making its Railcard available to all new Student Account customers, all customers switching to the Santander Student Account from other banks and customers who are upgrading to Student Accounts from non-Student accounts (such as Santander’s Youth Account). 3 Domestic ATMs are ATMs in the 50 United States, the District of … Set Up Alerts: Keep track of your account activity with alerts via text or email. Retailer Offers makes it easier to earn a little extra from a variety of Retailers. This smart new account lets you hold more than 40 currencies, and get local, virtual account details for the UK, US, euro area, Australia and New Zealand. If you already bank with Santander, you must visit a branch to switch your account to a student product². Watch out, it counts a month from the anniversary of the account opening, not a calendar month. Check our comprehensive guide on how to go about it. Offer is only available to residents of NH, MA, RI, CT, DE, NY, NJ, or PA. To qualify for a 123 student current account, you must: Be aged 18 or over; Have a permanent UK address A free 4-year 16-25 railcard, interest and fee-free overdraft and interest on yor balance are the key features here. We've ranked and reviewed the best student bank accounts as well as the top graduate accounts on offer too. Maybe you’ve been saving money to go and study abroad, or you have family or friends who are helping you out, either way, sending money abroad can be a costly business. If we allow a payment, it will take you into an unarranged overdraft. Account holders can also access cashback offers at selected retailers. An arranged overdraft is when we let you borrow up to a pre-agreed limit – you can ask for one when you open your account or at any other time. And with so many options on offer, figuring out which account best suits your needs can be tricky. You can also get a linked debit card to make ATM withdrawals and pay for things anywhere you see the MasterCard logo. To open a Santander 1|2|3 Student Current Account you must be aged 18 or over, and a UK resident¹. Updated 1/7/2019 – New $25 Santander Student Checking Offer Without Direct Deposit Requirement Available. TransferWise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money. Santander International is the trading name of Santander Financial Services plc, Jersey Branch and Santander Financial Services plc, Isle of Man Branch. There’s no monthly fee to maintain the account. If you have a conditional offer only, please wait until your place has been confirmed following your results before applying. For example, alerts to advise you when your balance has fallen below a set limit, or you have had a deposit into your account greater than a set amount. Check our comprehensive guide on how to go about it. Free 16-25 Railcard for new customers. We don’t charge fees for allowing or refusing a payment due to lack of funds. Natwest and RBS offer similar incentives with a four-year Young Persons National Express card for discounts on coach journeys in the UK. If you’re a new customer, you’ll be able to open your Santander 1|2|3 Student Current Account online if you wish. The start is with £250 overdraft which can increase to £1,500 within the first year. Interest is calculated daily and paid monthly. The Santander student current account offers some attractive features for students, including discounts on rail fares and an overdraft facility¹. The Santander student account, for example, which is called the Santander 1|2|3 Student Current Account comes with a free 4 year railcard which gives reduced price train fares, as well as a range of discounts at selected retailers. 123 student current account: Designed for UK students, this account pays a variable rate of interest on balances a certain threshold, and comes with a fee-free overdraft facility and a free student railcard. Try the TransferWise borderless account, for a flexible way to manage your money across over 40 different currencies, and see if you can save. This is available to students and apprentices from levels four to seven. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Check our comprehensive guide on how to go about it. There’s no monthly fee ... You can open an account at a Santander branch in person or online. TSB’s student account offers you a better rate of interest on your savings than others on the market. If you need support with managing your money or if you’re in debt, please visit our money worries page for further support. Access your account information online with internet banking from Santander; manage your money, cards and view other services. More on that in a moment. 1.https://www.santander.co.uk/personal/current-accounts/123-student-current-account If you have a different current account, or don’t have a UCAS code because you’re doing a level 4-7 apprenticeship, or you’d like any more help, you can change your account in one of our branches. All of this can add up pretty quick. Valid for four years, with students saving up to one third on most rail fares. First things first: what are the key features here amount to advice on which you should.... Uk is no longer difficult as it was before and is not intended to cover every aspect of account. To enable customers to compare the costs associated with different credit products this could make it happen for offers. 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