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A young woman in a black top holds a bank card to her face covering her nose and mouth

Higher Education Account

Helping Graduates with life after uni

Whether you’re looking to start your first job, or travel the world, this account is available for three years after you graduate – which is the perfect next step after you’ve completed your studies.

  • No monthly fee
  • Get cashback from participating online and high-street stores when you shop through us1
  • Arranged overdraft of up to £3,000 interest free (subject to application, financial circumstances, borrowing history and lending criteria)
  • Now available to Higher Apprentices (Level 4+)

How this account works

With this account you’ll be able to

Who can apply?

If you have a student account with us and have recently completed your studies, sit back and relax. You don’t need to apply, we will automatically move you to a Higher Education Account if you meet the eligibility criteria below. We will let you know 2 months before and then move your account and transfer over your existing overdraft if you have one.

Arranged overdraft

As a graduate you can apply for an arranged overdraft up to a maximum of £3,000 (subject to application, financial circumstances, borrowing history & lending criteria).

No interest is payable on arranged overdrafts up to £3,000

Overdrafts are repayable on demand and interest charges are variable.

You can contact us at Barclays, Leicester, LE87 2BB

If you don’t already have an account with us, you can apply if you

  • Are over 18 years old
  • Live in the UK
  • Have completed your full-time higher education in the UK within the past 3 years

When you apply, we’ll ask to see your degree certificate and 2 original documents (not photocopies) from this list.

General information about overdrafts

An overdraft limit is a borrowing facility which allows you to borrow money through your current account.

There are two types of overdraft – arranged and unarranged.

An arranged overdraft is a pre-agreed limit, which lets you spend more money than you have in your current account. It can be a safety net to cover short-term outgoings, like an unexpected bill. It is not suitable for longer-term borrowing. We charge you for every day of the month that you use your arranged overdraft where you go beyond any interest free limit you may have.

An unarranged overdraft is when you spend more money than you have in your current account and you have not agreed an arranged overdraft limit with us in advance or you have exceeded an existing arranged borrowing facility.

You can only make payments from your account if you have enough money in your account or through an arranged overdraft to cover them. Barclays will always attempt to return any transaction that could take your account into an unarranged overdraft position. Having enough money in your current account or having an arranged overdraft limit could help prevent payments such as priority bills from being returned unpaid.

On very rare occasions we may be unable to return a payment (e.g. due to an offline transaction made on a flight) and the account may enter an unarranged overdraft. No additional charges will be applied in this situation.

Information regarding the conduct of your account may be sent to credit reference agencies. As with any debt or borrowing, this may affect your ability to get credit in the future.

Our Eligibility tool can show you the likelihood of getting an arranged overdraft and the overdraft calculator lets you see how much it could cost to use an overdraft. To use these tools and find out more about overdraft charges, please visit www.barclays.co.uk/youroverdraft.

If we hold a valid mobile number for you, we’ll automatically enrol you to receive relevant alerts regarding borrowing and refused payments, to help you avoid charges. You can also choose to receive additional alerts, including Low Balance and Large Credit or Debit. Tailor your alerts to your personal needs online, by phone or in branch. To find out more, visit Barclays.co.uk/alerts.

Apply Now

Head to your local branch to apply or give us a call on 0345 600 4545 and we will book an appointment for you.

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What you need to bring to the appointment

  • ID documents
  • Proof that you have completed your studies within the last 3 years (degree certificate)5
  • If you currently have an account elsewhere and would like to get our High Education Account, bring your bank’s debit card with you and we’ll sort the rest
  • If you were a Higher Apprentice, you'll need to provide your apprenticeship agreement and commitment statement

Add Packs to your account

Cover what’s important to you with our great value Packs. And you’ll get discounts if you add more than one.

A happy young woman holds a mobile phone to her ear whilst standing in a bus

Tech Pack

Mobile and gadget insurance for £14.50 a month

Our Tech Pack takes care of up to 4 mobiles and an unlimited number of gadgets worth up to £1,500 each. That means tablets, laptops, sat navs, smartwatches, cameras and more are all protected, wherever you go. The Tech Pack is available to new or existing customers who have a Barclays current account.

Travel Pack

Relax. You're travel packed

Combining worldwide family travel insurance with comprehensive RAC cover, our Travel Pack provides protection wherever you go for just £12.50 a month.

Account information and fees

You’ll find full details about banking with us and the terms and conditions of our Higher Education Account in the following PDFs:

Terms and conditions for personal customers6

Fee Information Document - Higher Education Account

Current accounts – our bank charges explained6

Get in touch

Questions about our Higher Education Account? We’re here to help.

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Web chat

We’re online 24/7. Call us instead if you have a question that we’d need to check your identity to answer.

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Tweet us

Tweet @BarclaysUKHelp and we’ll reply within 2 hours. Call us if you have a question that we’d need to check your identity to answer.

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Call us

New to us? Call 0345 600 4545, Monday to Friday, 8am-6pm, and Saturday, 9am-5pm. If you already bank with us, call anytime on 0345 734 53457.

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Barclays Money Mentors

Make the most of your money with a little planning

Book a session with our Barclays Money Mentors team to learn about the basics of budgeting and make your day-to-day money management a little easier.