Student bank accounts are available to full time students over 18. Graduate current accounts are available to those students who have graduated within a specified number months of applying for the account.

When choosing a student or graduate current account, most of the current account features are relevant and should be considered. In addition, student and graduate accounts can offer some additional benefits. As with basic current account features you should focus on those features that don't just sound attractive but will be of real benefit to you.

Some of the benefits typically on offer are listed below. Bear in mind that the range of benefits offered will vary from one bank to the next.

• No overdraft arrangement fee



• Interest free overdraft



• Interest free loan or a loan offered at a preferenial rate



• Special loan scheme offering flexible pay back terms



• Free travel insurance



• Access to a credit card (check the credit limit and interest rate)



• Discounts on CDs, DVDs, videos, books, concert tickets etc.