Existing customers

Manage your
Student account

Explore your Student account

The Royal Bank of Scotland student account is designed to make your life in higher education just that wee bit easier, we offer a choice of benefits, banking through the mobile app and a interest free £500 arranged overdraft in the first term and up to £2,000 after that.

For international students there is a £10 monthly fee that will be automatically charged to your account.

Stay on top of it all with a choice of three offers

With your Student account you have a choice of one of the following benefits:

1. Amazon Prime Student

2. National Express Coachcard


To be eligible to receive the chosen benefit you need to sign-up for online banking and select paperless statements

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Student Overdraft

Be prepared for any unexpected bills or payments with our interest free Student Overdraft. 

In the first term of first year you can apply for £500. After that you'll be able to apply for £2,000.

Student Credit Card

As a Royal Bank of Scotland student account holder you can apply for a student credit card providing a credit limit of up to £500. 

It's a great way to start building up your credit rating for the future.

Contents insurance

Living away from home? Then your most prized possessions that you take with you may no longer be covered by Mum & Dad.

Have a look at our renters insurance.  It's flexible, so you can tailor the cover to what you decide to take with you.

Graduate account

If you're in your final year of university, you may be wondering what happens to your student account once you finish.

It will turn into a Graduate account once you complete your studies.

Bank accounts packed with benefits.

If you're looking for an account with more features, such as car breakdown cover and travel insurance, you may be interested in one of our packaged accounts, such as the Reward Silver or Reward Platinum account. Other non fee paying accounts are available.

Becoming a student?

Our Life Moments section is here to help you take control of your finances as you take those first steps as a student. From moving tips to banking and travel advice, the Royal Bank of Scotland is here to support you at every turn.

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.

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


Something else we can help you with?