Student Account
This account is no longer available to new or existing customers.
If you already have a student account, all the features and benefits of the account will still apply.
Based on the representative example above, if you didn't pay it back for
1 month
you would owe a total of
£1400
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When you switch your current account from your current bank or building society, we do all the hard work for you.
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Account and fees
Other charges
There are other charges, including:
- Foreign transaction services, such as using your debit card abroad.
- Electronic payments, such as CHAPS.
- Other services, such as copies of your statement.
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The first year after you graduate
1 year after the end of your final year of study
Your account will convert automatically to our Current Account. We'll send you a letter to remind you about this 2 months before it happens.
Important documents
Please read the Important Documents below and save copies of them for future reference.
There are important changes to our account charges and terms and conditions from the 4th of April 2020.
Summary of changes effective from 4th April 2020
Download Summary of changes effective from 4th April 2020 PDF (489KB)Account charges
Download Account charges PDF (87KB)Terms & conditions
Download Terms & conditions PDF (202KB)Our lending commitments and what we ask of you
Download Our lending commitments and what we ask of you PDF (112KB)How we use your personal information
Download How we use your personal information PDF (622KB)Student overdraft pre contractual information
Download Student overdraft pre contractual information PDF (902KB)Fee Information Document
Download Fee Information Document PDF (132KB)Glossary
Download Glossary PDF (129KB)Help for existing customers
Help and information about current accounts, for our existing customers.
The Co-operative Bank reserves the right to decline any application.
Whether we can offer you credit depends on your circumstances and our lending policy. We may decline your application based on your circumstances or our lending policy. We may be able to offer a product that's different to the one advertised.
smile, The Co-operative Bank and Britannia are trading names of The Co-operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS).
Financial Services Compensation Scheme
Your eligible deposits with The Co‑operative Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: The Co‑operative Bank, Britannia and smile. Any total deposits you hold above the limit between these brands are unlikely to be covered. Please click here for further information or visit www.fscs.org.ukUnarranged overdrafts
An unarranged overdraft is what happens if you spend more than you have in your account or go over your arranged overdraft limit.- There’s normally a charge for an unarranged overdraft.
- You pay debit interest on whatever you go overdrawn by.
EAR (Equivalent Annual Rate)
This is the interest on the money you borrow, equivalent to if you borrowed the money for a whole year.Variable
When a rate is advertised as variable, it means that it could go up or down.Contact us
If you'd like more help & information, you can:
