Student Bank Account - Student Accounts - Royal Bank of Scotland

Stay on top of your finances at uni. Get 1/3 off coach travel with our Student Account.

Benefits of the Student bank account

Fancy a 1/3 off coach travel for 4 years with National Express? 

You must sign up to digital banking and select to receive paperless statements.

On top of 1/3 off standard adult coach fares in the UK with National Express you also get:


  • 10% off travel to selected festivals and events in the UK. Visit for more information.
  • 10% off coach fares to lots of great European destinations with Eurolines
  • 1/3 off standard adult fares with Hovertravel and Scottish Citylink services when booked through National Express


Get flexibility with the option to apply for an interest free Arranged Overdraft

UK residents aged 18 or over only.

An Arranged Overdraft is an overdraft that we have approved for you and you can borrow up to that limit. This means you can get access to additional money if you ever need it.


Apply for a limit of up to £500 in your first term and upto £2000 after that.


Arranged overdrafts are only available to eligible customers with a Royal Bank current account, aged 18 or over. 


More about our Student Overdrafts.

Bank easily with our mobile app

Check your balance, recent transactions and pay friends or family quickly and easily.

Get cash without your debit card

Our mobile app ‘Get Cash’ function lets you withdraw money (up to £130 of your money per day) from Royal Bank of Scotland, NatWest or Tesco cash machines, so you don’t even need your debit card. It's great for those times, when you pop out during your lunch hour, but don't have cash on you.


Pay your mates easily

The ‘Pay Your Contacts’ option allows you to pay money to anyone using their mobile number, providing they have the Royal Bank, NatWest, Ulster Bank, NatWest Offshore or Isle of Man mobile app. All you need to do is open your mobile app, click on the ‘Pay Your Contacts’ option, enter their mobile number, the amount you want to pay them and add a personal message.


You can send up to £250 a day, how easy is that! 


Our mobile app is available to Digital Banking customers with a UK mobile number.

More about our Mobile App.

How to open your bank account online

Information to have ready for your application

  • Your 16 digit UCAS Status Code, this will have been emailed to you by UCAS and will prove your student status.
  • Your full address for the past 3 years. Remember to enter your postcode without a space.
  • Your term time address. If you do not know this, please enter your home address.
  • Your University course, start and end date.

How to submit ID documents online rather than in branch

By law we need to check your details to confirm your identity.


If you wish to provide your ID online and open your account straight away you will need to:


  • Provide us with your mobile number.
  • Upload a valid passport, or an EU ID card using our DigiDocs service.
  • Have a current debit or credit card to hand.

If you would prefer not to provide your mobile number, that's ok, but you might need to visit a branch to supply your ID instead.

Are you switching banks?

Make sure you have your sort code and account number of the bank you would like to switch from on hand.

How to follow up your application

Remember to take note of the reference number that you will receive at the end of your application form. 


To get in touch with us or view frequently asked questions please visit our support centre.

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