Existing customers

Manage Your
Graduate account

Explore your Graduate account

Your Graduate account is designed to support you in the transition between Student life and moving into full time employment.  It comes with all the great features and benefits that allow you to stay in control of your money.

If you've just graduated, you don't need to do anything. Your Student account will automatically change to a Graduate account, and you can continue to use your card, online banking and mobile app as usual.

Prior to the account switch you should receive an email or letter detailing:

- the changes to your account
- the date of the switch

Explore your Reward Account

Graduate

Interest-free arranged overdraft

Year 1, 2 and 3 after graduation

In the first year after you graduate you will get up to £2,000 interest-free arranged overdraft

In the second year of your Graduate account, you will benefit from up to £1,000 interest-free arranged overdraft

In the third year after you graduate you will automatically move onto a Select account and your arranged overdraft will no longer be interest-free.

Any arranged overdraft limits over the interest-free threshold will incur fees and charges if used (17.81% EAR). If you do not have an arranged overdraft or go over it, you will be charged £8 per day for unarranged overdrafts of more than £10.

Use our overdraft calculator to see how an Arranged Overdraft can help save you money.  

Tastecard

Tastecard

If your Student Account came with a Tastecard, it will automatically renew annually for another 2 years. 

 

Find out more about Tastecard

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You can choose to get a packaged account, which comes with additional benefits.
A chapter of your life is finished, now what?

Digital and Mobile banking

App available to Digital Banking customers with a UK or international mobile number in specific countries. Digital Banking available to Royal Bank of Scotland account holders aged 11+.

5 reasons why you should use our Mobile App

View statements and available balance quickly and easily

Instantly make payments to friends and family already saved in your online banking

Pay someone new without the need for a card reader (limits apply)

Pay your bills directly without the need for a card reader

The quickest way to transfer money between your accounts is through your mobile app

Digital Banking is a secure, easy to use and convenient way to manage your account

View your balance

Make payments

Transfer money between your accounts

Set up and manage your regular payments

View your transaction details

Set up and go paperless

 

Important documents to read

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

Something else we can help you with?