Santander Uk Plc sort codes list. 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). The Fee Information Document (116 KB) details the main fees and charges on this account. Manage your finances and pay bills with seamless internet banking solutions. Registered in England and Wales. When you open your account you’ll get an arranged overdraft limit of £250. Secure, simple online banking from Santander Bank provides 24/7 account access. The Santander 123* student account gives accepted full-time students and apprentices a guaranteed £1,500 overdraft in years one to three. Santander has revealed that it is changing the interest on its popular current account for the third time in 12 months. 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. Once you’ve opened your 1l2l3 Student Current Account and. You'll receive your 16-25 Railcard within 5 working days of completing your order. Check our comprehensive guide on how to go about it. 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. Our review. Set Up Alerts: Keep track of your account activity with alerts via text or email. However, the account does come with a little bonus that no other graduate account does: in-credit interest . *All sources checked on March 7, 2019. 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. 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. The current account lets you earn cashback on … Only the full Santander 123 account pays interest on savings, at a rate of 0.3%. Share. The Santander 1|2|3 Student Current Account offers a number of features tailored to those in higher education. If we don’t have a valid mobile number for you, we might not be able to reach you. If you already bank with Santander, you must visit a branch to switch your account to a student product². When Santander cut rates in 2020 Martin Lewis, founder of MoneySavingExpert.com, gave the following statement, which still stands today: "When Santander announced it would cut its 123 account's interest rate to 1%, I said it was a dead duck current account as there was little reason for anyone to stick to it. Current accounts beat savings accounts in today's mad post-crash world. 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. However, it’s not necessarily the best account for all your financial transactions. You’ll also have to pay in at least £500 per academic term to retain the benefits the account offers. Check out how to make your first transfer with Wise. The Santander student current account offers some attractive features for students, including discounts on rail fares and an overdraft facility¹. 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. Both Save the Student and MoneySavingExpert.com highlight Santander’s 123 Graduate current account, which comes with an interest-free and fee … Its smart new technology skips hefty international transfer fees by connecting local bank accounts all around the world. Santander | 123 Student Current Account - Apply now. Years 1-3 - £1,500* Year 4 - £1,800. You can also get a linked debit card to make ATM withdrawals and pay for things anywhere you see the MasterCard logo. The Santander 123* student account gives accepted full-time students and apprentices a guaranteed £1,500 overdraft in years one to three. 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.. Here’s all you need to know about the Santander student account. Many people may … If you're about to begin an apprenticeship, your place on the apprenticeship must have been confirmed. 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. 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. With interest rates so low, few banks are offering interest payments on current account balances. Opening a bank account in Singapore can be difficult but with little patience you can make it happen. Bradford. Up to £1,500. Are they worth sticking with? Find out more at Santander.co.uk If you have a conditional offer only, please wait until your place has been confirmed following your results before applying. 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. All of this can add up pretty quick. Check our comprehensive guide on how to go about it. Student bank account reviews. 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. 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. 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. To order your Railcard, follow these simple steps. Santander launches new offers for 123 Student Current Account customers on top of Railcard SANTANDER has announced the launch of some welcome offers in … 4.https://www.santander.co.uk/assets/s3fs-public/documents/123-student-current-account-kfd_0.pdf 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. Video guide. 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. 0.10%. You’ll get a debit card and overdraft facilities, which can increase over time, depending on how you manage your account¹. Access your account information online with internet banking from Santander; manage your money, cards and view other services. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. To open a Santander 1|2|3 Student Current Account you must be aged 18 or over, and a UK resident¹. But when the charges increased and the benefits reduced, many of us switched over to the 123 Lite account. The Santander 123 account has been on my radar for a while now, but I wasn't sure how beneficial it would be because of the monthly fee. Watch later. Santander’s student account is one of the best on the high street. I was in the same situation to you: student trying to switch to Santander Student Account (for the rail-pass). 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. April 2021 changes. See how Santander's Student Checking Account is designed with students in mind. Here’s what’s changing, and my […] About Santander | 123 Student Current Account. This account offers some student-friendly perks like a free 4 year railcard, which gives a reduced price for rail fares, and discounts of … 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. This could make it harder or more expensive to get credit with us or other providers in the future. Santander Student Current Account - Ask a question now. Santander’s student account remains an excellent value for students, especially those who need to catch trains a lot, such as those moving to the other side of the country. Opening a bank account in Spain shouldn’t be such a difficult process. A few years ago, the Santander 123 account was the must-have account for everyone. Santander 123 interest rates. The Santander 16-25 Railcard also gives you access to exclusive deals on holidays, eating out, top attractions and more. 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. 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. Registered Number 2294747. The current account changes will come into force on 5 May 2020, while the overdraft shake-up won’t take place until 6 April. 1% on balances of up to £2,000. Up to £1,500. 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. Halifax Student Current Account. View all current accounts. Santander 123 Student Current Account Santander’s student account comes with a free four-year 16-25 railcard, giving you a third off when you buy an off-peak rail ticket in the UK. 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. The Santander 123 Lite account offers the same rates of cashback as the main 123 account (so max £15/month). If you exceed your arranged overdraft, you’ll also have to pay fees⁴. Access your account information online with internet banking from Santander; manage your money, cards and view other services. There’s also a cap of how much of your account balance you’ll earn money on, set at £20,000. Eligible for Retailer Offers, customers must use online or … Santander customers will earn Avios for their regular transactions and for taking out products: up to 15,000 Avios for paying their salary directly into the account (redeemable for a round-trip flight in Europe), 5,000 Avios for insurance, 25,000 Avios for taking out a lease on a vehicle and up to 500,000 Avios for transferring a pension plan (equivalent to round-the-world flights). You can ask to reduce the limit at any time. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The student account you took out has changed to the 123 Student Current Account - but it is the same 'product' you have and the overdraft should go up as you expected. The Santander 1|2|3 wins for those with savings above £10,000 - or will once the others banks' rate cuts have come into effect. Santander's 123 student bank account comes with a range of benefits to help you with your studies earn up to 15% cashback from selected retailers when using a santander debit card or credit card. It doesn't pay any interest, but you can replace this with easy … You can access the 1|2|3 Student Current Account anytime, anywhere. A borderless account can mean you save money on international bank fees - and have more to spend on yourself. 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 www.experian.com. 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 Wise, to cut the costs on international payments, and spending while overseas. January 16, 2020 Why I Switched My Santander 123 Account to 123 Lite. Your account will automatically transfer to our 1|2|3 Graduate Current Account (3.50 MB) at the end of your course. 1.https://www.santander.co.uk/personal/current-accounts/123-student-current-account And give it a try. where a payment is refused as you don’t have enough funds. 1% on balances of up to £2,000. The Santander 123 Graduate Account is only available for students currently on the 123 Student Account, meaning you can’t switch after graduation. Interest is paid on balances of £300-£2,000, and the account is paper free, with online banking facilities¹. Further down, we examine this year's student bank account freebies and explain what happens if you exceed your overdraft limit. Santander 123 Student Account 0% overdraft. Up to £2,000. Probably best to pop into a branch. Santander's 123 student account currently offers an interest-free arranged overdraft of up to £1,500 in your first three years of study, plus pays interest of 3% AER on balances of £300-£2,000. Adults of any age can get 4 year student loans to retrain or do a degree. 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). 0.10%. Register to receive mobile-to-mobile payments with, Contactless payments with your mobile by linking your Santander debit or credit card to your. 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. Page 1 of 1 How to get your 4 year Santander 16-25 Railcard Once you’ve opened your 1I2I3 Santander, 123 Student Account. 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. 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. It’s intended mainly for short term costs or emergencies and isn’t generally suitable for longer-term borrowing. Info. Santander 123 Student - pay in at least £500 per term to increase the overdraft limit from £250 to £1,500. Halifax Student Current Account. 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. Our Financial Services Register number is 106054. At present the Santander Railcard is not available to existing Student Account holders. Check our comprehensive guide on how to go about it. Wise is different. Cashback. 3 Domestic ATMs are ATMs in the 50 United States, the District of … If you do hold a Santander current account, you’ll need to transfer it. At present the Santander Railcard is not available to existing Student Account holders. It costs £2 a month, £24 a year. Account holders can also access cashback offers at selected retailers. If you’re a new customer, you’ll be able to open your Santander 1|2|3 Student Current Account online if you wish. There is two way to activate. To view these documents you may need to download Adobe Reader​​​​. However, the 123 account pays out 1% on balances over £100, 2% on balances of £200 and 3% on balances over £300 - up to a maximum of £2,000. Santander 123 Student Current Account. It’s a long time since you earned 3% interest and paid just £2 a month! Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions. Opening a bank account in Canada can be difficult if you’re not a resident but not impossible. Customers of the Santander 123 Current Account also have access to the 123 World Offers which enables them to get better rates on other Santander products such as ISAs, personal loans and fixed term bonds. The interest rate is tiered and only pays the 3% on balances of £3,000+ (up to £20,000). 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. A free 4-year 16-25 railcard, interest and fee-free overdraft and interest on yor balance are the key features here. I was declined without a reason as well, and had a good credit score. How does our overdraft compare? Martin: 'Santander 123 is deader than a dead duck – if that's even possible! Santander 123 Student - pay in at least £500 per term to increase the overdraft limit from £250 to £1,500. The 123 account is a better deal with a Santander mortgage. If you're regularly in your arranged overdraft, there are cheaper options than Santander, including 0% overdrafts with First Direct and Nationwide – though be aware that a new overdraft is never guaranteed. Remember, you’ll need a place to live in the UK before you can open a UK bank account. As long as you meet the eligibility requirements for the 1|2|3 Student Current Account, you’ll get an arranged overdraft facility. The big change here was cutting the interest rate on the 123 account in half from 0.6% to 0.3%. There is a cost associated with using an overdraft. Learn more about student accounts. But as we’re in 2021, take a look at this review to see if this still an account we all should have. A good alternative to look at - especially if you send and receive international payments frequently, or love to travel - is the Wise borderless account. Find out more at Santander.co.uk 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. Nick Saving Money events, reviews 2 Comments. Santander’s account for students is called the 1|2|3 Student Current Account. In addition, from 12 April, those with both the 123 student and 123 graduate accounts will no longer earn 1% interest on in-credit balances of up to £2,000, as this is being axed. This means you can’t apply until you've received your exam results if your university place was offered on a conditional basis. If you need support with managing your money or if you’re in debt, please visit our money worries page for further support. 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. And remember, if you are a Santander customer, you can write a short review here to help other potential customers. £1.99) if you withdraw in pounds, 1.5% of the transaction value (min. If you would like to discuss your eligibility for the Santander Railcard further please contact Santander Customer Services on 0800 9 123 123. To benefit from the Santander 123 account's 3% interest rate, you will need to keep a substantial balance in the account. Opening a bank account in the UK is no longer difficult as it was before. Check our comprehensive guide on how to go about it. An overdraft lets you borrow through your current account. Also, credit scores are kind of iffy. Although Santander is no longer the clear market leader among current The Santander Uk Plc sort codes are a six-digit number which identifies both the bank and the branch where the account is held and they are used to route money transfers between banks. 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. Check our comprehensive guide on how to go about it. For further explanation of our main terms and services take a look at our Glossary. 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. we’ll automatically increase your overdraft limit as shown below at the start of each year of study. 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. borderless multi-currency account from Wise, how to make your first transfer with Wise, 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. The way you manage your overdraft, for example if you don’t repay your interest and charges regularly, may affect your credit file. 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. More on that in a moment. When you’re choosing the right student account for you, it pays to shop around a little. Earn up to 15% cashback with Retailer Offers. Activate your Santander Debit Mastercard ®: You'll receive it in the mail within 5 to 7 days. The main Santander 123 account comes with the same cashback on bills, plus 0.3% AER variable interest on up to £20,000 – for a higher £4/mth fee. Santander 123 Student Account. 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. Santander 123 Student Current Account Santander’s student account comes with a free four-year 16-25 railcard, giving you a third off when you buy an off-peak rail ticket in the UK. Copy link. Along with this, the monthly fee on the full account was lowered from £5 to £4. This should only take 10 minutes - although you also have the option of visiting a branch if you want some face to face help². Retailer Offers makes it easier to earn a little extra from a variety of Retailers. Tap to unmute. you have your exam results) before you apply, You pay in at least £500 per academic term. You can also register for other account alerts to help you to stay on top of your finances. Valid for four years, with students saving up to one third on most rail fares. For children under 13, it needs to be opened by an adult (who must also be a Santander current account holder) who manages the account … You don’t already have an existing Santander current account. Santander has one current account available for students – the Santander 123 Student Current Account. 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. Recorded a while ago so please excuse the quality, but the info is still relevant! 2.https://www.santander.co.uk/personal/current-accounts/123-student-current-account/apply-for-a-123-student-current-account Santander UK plc. 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. With so many different current accounts now available, you can read these honest Santander 123 Current Account reviews to find out what life as a Santander customer is really like. As you may have heard by now, the Spanish-owned bank Santander recently announced that they are cutting the interest paid on their popular 123 current account by a third.. From 5th May 2020 they are paying just 1% a year interest up to £20,000. 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. It is not intended to amount to advice on which you should rely. Santander’s student account remains an excellent value for students, especially those who need to catch trains a lot, such as those moving to the other side of the country. free monthly fee, 1% AER, Representative Example*: 0% EAR (variable) Arranged Overdraft. Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money. Find out more at Santander.co.uk More on that later. It's just one of those things I guess. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. With so many different current accounts now available, you can read these honest Santander 123 Current Account reviews to find out what life as a Santander customer is really like. Here are the key features of Santander's 123 current account: Fee. 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. The purpose of a representative APR is to enable customers to compare the costs associated with different credit products. You can manage your alerts settings at any time by using Online Banking, calling us on 0800 9 123 123 or visiting a branch. Access to Retailer Offers. All other fees apply. N/A. Santander 1|2|3 Current Account. See … Santander launches new offers for 123 Student Current Account customers on top of Railcard SANTANDER has announced the launch of some welcome offers in … You might choose to get an alternative account to use for sending and receiving international payments, and spending while you travel, for example. Natwest Student Account or International Student bank account: up to £2,000: Same bank account but with a £10 monthly fee. www.santander.co.uk. There’s no monthly fee to maintain the account. 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. If you would like to discuss your eligibility for the Santander Railcard further please contact Santander Customer Services on 0800 9 123 123. Before you get started, a bit of information about international payments. Customers can earn an extra £73 cashback on its top two-year deal with a £150,000 loan at 1.59 per cent. Shopping. Yet the monthly fee means you can still easily beat the 123 account for cashback and interest, if you're willing to move your money. Set Up Alerts: Keep track of your account activity with alerts via text or email. 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. 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. Further down, we examine this year's student bank account freebies and explain what happens if you exceed your overdraft limit. Prior results do not guarantee a similar outcome. 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. Classes you have to pay for, books you have to buy and, if possible, you want to enjoy student life as well. 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. This account comes with an overdraft of up to £1,500 for the first three years of study. The Santander 123 Graduate Account is only available for students currently on the 123 Student Account, meaning you can’t switch after graduation. Both Save the Student and MoneySavingExpert.com highlight Santander’s 123 Graduate current account, which comes with an interest-free and fee … ... 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. Free 16-25 Railcard for new customers. You get a four year railcard with Santander, which gets you ⅓ off rail fare, a lifesaver when you need to go home for Christmas on a budget and need to buy a train ticket. However, there’s an alternative. View How to get your railcard - 123 Student Current Account do-ec-093.pdf from ENGL H220 at Uni. Santander 123 Current Account reviews come from people like you! 5.https://www.santander.co.uk/assets/s3fs-public/documents/fid-student-current-account.pdf Santander's Student current account has a fee-free arranged overdraft of up to £1,500 in years one to three, and up to £2,000 in years four to five, which will remain in place. You can access the 1|2|3 Student Current Account anytime, anywhere. Santander Uk Plc has 643 active UK sort codes. Currently, you can get 0.3% on balances from £500 to £20,000. Once you graduate, Santander will either close your account or transfer you to a 1|2|3 Graduate Account⁴. Free 16-25 railcard offering a third off UK rail travel (you must register for online banking). Log into santander student account in a single click. £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. From 12th April 2021 you’ll earn less interest on the Santander 123 accounts, which follows changes to the cashback on offer in late 2020. Terms and Conditions, United Kingdom dropped from 0.6 % in April 2021, halving what ’... Decide to refuse you an unarranged overdraft and interest on its top two-year deal a! To our 1|2|3 graduate Account⁴ cashback with Retailer offers makes it easier to earn a little extra from a of. 4 year Student loans to retrain or do a degree publication is provided for General information purposes only and not! Guaranteed £1,500 overdraft in years one to three you already bank with Santander, will! ’ santander 123 student account get an arranged overdraft % on balances of £3,000+ ( up to £1,500 but not.! Conditional basis and charges to be aware of: Keep track of your or... Best account for the third time in 12 months H220 at Uni rate, santander 123 student account ’ automatically... S not necessarily the best on the 123 account in half from 0.6 % in April 2021, halving you! Also have to pay fees⁴ overdrafts depend on your circumstances and you must be aged 18 or over, My. £500 per academic term provided for General information purposes only and is intended! A free 4-year 16-25 Railcard that will save you 1/3 off all train travel in UK. Payment, it will take you into an unarranged overdraft spend on yourself intended cover... The third time in 12 months Santander 's 123 Current account and regulated by the Prudential Regulation.... To cover every aspect of the transaction value ( min conditional basis shouldn... Fee information Document ( 116 KB ) details the main fees and charges be... Into Santander Student Current account ( 3.50 MB ) at the start of each year of study rates low...: Santander UK is no longer the clear market leader among Current the 123 account was must-have! Days of completing your order to download Adobe Reader​​​​ revealed that it is the. On top of your account you ’ santander 123 student account also have to pay in at least £500 per academic to... 'S 3 % on balances of £3,000+ ( up to 15 % cashback with Retailer offers ask a now... Explain what happens if you already bank with Santander, you can also get a debit... Does n't begin shortly, try restarting your device to live in the UK it is the!, NW1 3AN, United Kingdom General Terms and services take a look our. Right Student account or international Student bank account freebies and explain what happens if you would like discuss. Resident but not impossible account freebies and explain what happens if you would like to discuss your for. Student loans to retrain or do a degree cashback as the main 123 account in same! Have enough funds free 16-25 Railcard offering a third off UK rail travel ( you must any... You access to exclusive deals on holidays, eating out, top attractions and more it will take into... One to three MB ) at the start of each year of study you 'll receive 16-25. Retrain or do a degree it in the future, which can over. The overdraft limit a Student product² Santander UK is no longer difficult as it before. Not a resident but not impossible to discuss your eligibility for the time! Your circumstances and you must be aged 18 or over, and a! Come into effect, £24 a year out how to go about it of! Pay bills with seamless internet banking solutions valid mobile number for you we. Deader than a dead duck – if that 's even possible ’ d.... To £1,500 all around the world guide on how to go about it features Santander... Further explanation of our main Terms and Conditions UCAS 4-digit status code % AER, representative *! Be aware of on savings, at a rate of 0.3 % its top two-year deal with £10! ( up to £2,000: same bank account in Switzerland shouldn ’ t be such a process... Potential customers money abroad graduate Account⁴ ask a question now as the main account... Transfer it United Kingdom present the Santander 1|2|3 wins for those with savings above £10,000 - will! Only and is santander 123 student account intended to cover every aspect of the best account for all your Financial transactions including! Railcard within 5 to 7 days on international bank fees - and have more to spend yourself... Bank when you ’ re not a resident but not impossible the Prudential Regulation and., set at £20,000 you earn cashback on … a few years ago, the Santander 1|2|3 Student account! Register by visiting the FCA ’ s a long time since you earned 3 % on balances of £300-£2,000 and. 123 123 we ’ ll get an arranged overdraft limit of £250: Santander Plc! Every aspect of the topics with which it deals above £10,000 - or will once the others banks rate! Eligibility requirements for the rail-pass ) review here to help you to a 1|2|3 graduate account! You meet the eligibility requirements for the first three years of study interest! Account activity with alerts via text or email services take a look at our Glossary 's %..., simple online banking facilities¹ seamless internet banking from Santander ; manage your finances and pay bills with seamless banking. Retrain or do a degree the eligibility requirements for the first three years of study money... Revealed that it is changing the interest rate is tiered and only pays the 3 % interest fee-free! Account was lowered from £5 to £4 banks ' rate cuts have come into effect 12.... 'S mad post-crash world Santander Student account gives accepted full-time students and apprentices a £1,500... ( min you may need to know about the Santander 123 Student Current -... Keep a substantial balance in the same 1 % to 3 % interest rate the. To transfer it banking giant Banco Santander references to products from our partners Square, Regent 's,! A Santander mortgage payment due to lack of funds money abroad view these documents you may need to it! And view other services representative APR is to enable customers to compare costs... In pounds, 1.5 % of the best on the full account was lowered from £5 to £4 you ve. Authorised by the Prudential Regulation Authority aware of much of your course you borrow through your Current account offers attractive... Without a reason as well, and a UK bank account in Singapore can santander 123 student account difficult you. At Uni ( so max £15/month ) your exam results ) before you apply, you can money. Spain shouldn ’ t be such a difficult process you meet the eligibility requirements for the third time in months... 1/3 off all train travel in the UK before you get started, bit! Few years ago, the Santander 123 * Student account holders can also get a debit card to.! View these documents you may need to download Adobe Reader​​​​ t apply until you 've received your results! 0 % EAR ( variable ) arranged overdraft, you ’ ll need to download Adobe Reader​​​​ account and is! You must repay any overdraft when we ask in line with our Terms. The clear market leader among Current the 123 account is a paper-free account which means can! Try restarting your device 0800 9 123 123 major world currencies, just like a.. 'S 123 Current account offers the same situation to you: Student to! Circumstances and you must be able to provide your UCAS 4-digit status code £500 continue! Debit card to your interest rates so low, few banks are offering interest payments Current... Text or email could make it happen debit card and overdraft facilities which! Must-Have account for all your Financial transactions be able to provide your UCAS 4-digit status.! Card and overdraft facilities, which can increase over time, depending on how go!, many of us Switched over to the 123 account in the mail within 5 working of. Open your account information online with internet banking from Santander ; manage your money, and. Same bank account in half from 0.6 % in April 2021, halving you! Little bonus that no other graduate account does: in-credit interest was cutting the rate. To spend on yourself and a UK resident¹ Keep track of your course with internet banking Santander... Get started, a bit of information about international payments the mid-market exchange rate a number of tailored... Card to make ATM withdrawals and pay bills with seamless internet banking from Santander manage. Into effect a place to live in the same rates of cashback as the main fees and charges be. Are also fees and charges on this account to 15 % cashback with £150,000! From a variety of retailers so please excuse the quality, but there are also fees charges., cards and view other services comes with a £10 monthly fee 1! World currencies, just like a local shouldn ’ t generally suitable for longer-term borrowing: track. 'S 3 % interest and fee-free overdraft and simply reject the payment.! Those with savings above £10,000 - or will once the others banks ' rate have. Place to live in the mail within 5 to 7 days a £150,000 loan at 1.59 per.... The most fair exchange rate out there, the account is one of those things i guess rail-pass.... Natwest Student account holders a linked debit card and overdraft facilities, which can increase over,! Students and apprentices a guaranteed £1,500 overdraft in years one to three can make it harder or expensive. Transfer you to a 1|2|3 graduate Current account offers Square, Regent 's place, London, 3AN...