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.

  • £1,400 interest free overdraft in your 1st year.
  • Up to £1,700 interest free overdraft in your 2nd year.
  • Up to £2,000 interest free overdraft in your 3rd year.
    • You need to be 18 or over to arrange an overdraft and you will need to pay in £300 or more to activate it.
    • You will need to contact us to request an increase to your overdraft limit. Your overdraft limit will not automatically increase in your 2nd, 3rd, or subsequent years of study. Approval will depend on an assessment of account conduct.
  • With our Student Account overdraft, there is no monthly account fee. You’ll only be charged debit interest if you go over your agreed interest free overdraft limit.
  • For the first year after you finish your degree, your overdraft will be interest free and there will be no monthly account fees.

    1 year after the end of your final year of study your account will convert automatically to our Current Account. We will treat the end of your final year as the end date that was supplied as part of your application.

Representative example

£1400 credit limit

0% annual interest rate

0% representative APR variable

How does our overdraft compare?

The representative APR provided can enable you to compare the costs across different products and providers.

Based on the representative example above, if you didn't pay it back for

1 month

you would owe a total of


Important documents

Please read the Important Documents below and save copies of them for future reference.

Help for existing customers

Help and information about current accounts, for our existing customers.

Learn more

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).

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