Student Account

Aged 17 or over and in full time education? Get a Student Account with a great range of benefits and discounts.

Benefits and features:

  • An interest and fee-free tiered planned overdraft (subject to application and status, you must be 18 or over to apply). Apply for an interest and fee-free planned overdraft of up to £1,500 in your first year at university, starting with £500 for the first six months.  You can then apply to increase it to £1,000 in months seven to nine and for £1,500 after that.  We also offer an interest and fee-free untiered planned overdraft of up to £1,500 in years two and three and up to £2,000 in years four, five and six.
  • Three year Youth Hostel Association (YHA) membership. You’ll get three years YHA membership completely free. So wherever you want to go in the world, you can be sure of a warm welcome and a clean bed. YHA has a worldwide network of around 4,000 hostels in 90+ overseas destinations.
  • 40 free downloads from eMusic plus a free Mini Speaker*.  Choose from over eight million songs from legendary and emerging artists.  What's more you'll also receive a free Mini Speaker (subject to availability) to play your tracks on.
  • A Visa debit card. No need to carry cash when you’re out and about. Instead, use your Visa debit card to pay directly from your account.
  • Internet and Telephone Banking. Secure services where you can do everything from checking balances and payments to transferring money, and a whole lot more.
  • Free text message services** to help you keep better track of your money wherever you are.

Account opening is subject to our assessment of your circumstances and to you meeting all eligibility conditions. Benefits are subject to application and approval.

*Mini Speakers are subject to availability and free music offer subject to terms and conditions. Your free trial expires 14 days after registration or when you exceed your free trial credit (whichever comes first), at which time, you will automatically become a paying eMusic member.

** Mobile Banking services may be affected by phone signal and functionality. UK personal Internet Banking customers only. Your mobile operator may charge for some services. Visit mobile banking for more information. Text Alerts - available to UK personal current account customers aged 16 or over and are sent before 10am UK time, Monday - Friday (excluding Bank Holidays).

Overdrafts are repayable in full on demand.

You have to register for Internet Banking and Telephone Banking. Terms and conditions apply.

We may monitor and record calls.

Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised and regulated by the Financial Services Authority except for lending for which we are licensed by the Office of Fair Trading.

Apply for a Student Account

You'll need to be able to confirm the following:

  • I have been a permanent UK resident for the past 3 years.
  • I am aged 17 or older.
  • I do not have a student current account with another provider.
  • I am studying full time on an eligible course of at least 2 years' duration, or a one year full time access course leading to a degree.

Any questions?

Just call us on 08457 21 31 41 (Mon-Fri 8am-8pm, Sat 8am-6pm and Sun 9am-5pm) or visit your local branch.

More information on this account

  1. Bank of Scotland Bank Account conditions (pdf)
  2. Student Account Welcome Pack (pdf)
  3. Interest rates & fees