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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 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
  • Overdraft of up to £3000 fee-free (subject to application, status and lending criteria) in your first year

Representative example: For your first year after graduation: Fee-free overdraft up to £3000 (subject to application, status and lending criteria) while you stay within that limit. Lower overdraft fee-free amount applies in the second and third years after you graduate.

How this account works

Fee-free overdraft

You can apply to borrow money on this account – free of charge – up to a certain limit, subject to status. Your fee-free limit will depend on how long it’s been since you graduated. The maximum overdraft you can apply for is £3,000.  

The fee-free limits are

  • Up to £3,000 in your first year after graduation
  • Up to £2,000 in your second year after graduation
  • Up to £1,000 in your third year after graduation

For example – You can have a £3000 fee-free overdraft in your first year after graduation. In your second year you could still have a £3000 overdraft facility, but only £2000 would be fee-free.

Overdraft charges

Staying within your overdraft fee-free amount means you won’t pay an overdraft fee. Going overdrawn by more than this amount means you’ll pay a daily fee on the whole balance of your arranged overdraft. The following table sets out the daily fees.

Overdraft

Your overdraft balance

Daily overdraft fee

Over £1,000 and up to £2,000

50p

Over £2,000

£1

Representative example

For your first year after graduation: Fee-free overdraft up to £3000 (subject to application status and lending criteria) while you stay within that limit. Lower overdraft fee-free amount applies in the second and third years after you graduate.

With this account you’ll also 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.

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.

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.

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.

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.

Tech Pack

Mobile and gadget insurance for £12.50 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 £10.50 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

Current accounts – our bank charges explained6

Get in touch

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

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.

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.

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 anytime7 on 0345 734 5345.