Student Additions Account

An account that walks the walk

Be the master of your budget with our award-winning student account. With the Barclays app1 you can categorise your spending, set limits and temporarily freeze your debit card.

You can also apply for an arranged overdraft from day one (subject to application, financial circumstances, borrowing history and lending criteria) and get fantastic cashback offers so you save when you spend.

  • Keep on top of your money through our app
  • Apply for an arranged overdraft of up to £500 when you open your account and you can increase it to up to £3,000 in your third year (subject to application, financial circumstances, borrowing history and lending criteria)
  • Get cashback from participating online and high-street stores when you shop through us2
  • Now available to Higher Apprentices (Level 4+)

Coronavirus help and support

The coronavirus situation is creating a lot of uncertainty but we want you to know that we’re here to help you manage your money.

You can do your everyday banking in the Barclays app and using Pingit jars3 which can help you budget by ring-fencing your money. But if things are getting tight ahead of your next student loan payment and you need some extra cash for essentials, we may be able to increase your overdraft limit, subject to application, financial circumstances, borrowing history and lending criteria.

If you’re looking for help, please check the information on our coronavirus page first. Our phone lines are exceptionally busy at the moment so please only call if you have an immediate financial problem that can’t wait.

Here's what you get

Apply for an interest free arranged overdraft when opening your account

If you’re a UK student, you don't need to pay interest on arranged overdrafts up to £3,000. 

Maximum interest free arranged overdraft limits

  • Account opening and during your first term – up to £500 
  • Year 1 – up to £1,000
  • Year 2 – up to £2,000
  • Year 3 and beyond – up to £3,000

Maximum arranged overdraft amount may be different than the amounts shown above (subject to application, financial circumstances, borrowing history and lending criteria).

Arranged overdrafts are repayable on demand. Interest charges are variable. 

Create your own debit card

Why have the same bank card as everyone else? You can add your favourite photo to your contactless debit card for free.

The Barclays app

Keep on top of your money with our app – check your balance, categorise your spending and set limits on payments and cash withdrawals.

Move money at the speed of light with Pingit

Send, spend and request money with a UK mobile number using the Pingit app3. It’s simple, easy and free.

Pay on the go

You can use your mobile to make payments – Apple Pay4 is unlimited (check with the retailer) or you can spend up to £100 with Contactless Mobile5.

Cashback on your shopping

Earn cashback when you shop for fashion, beauty, books, travel and more – both online and on the high street. See our latest offers here.

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.

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 £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

Cover your holidays

Whether you’re travelling on your own or with your family, you can get worldwide travel insurance and comprehensive RAC breakdown cover for just £12.50 a month.


To be eligible you’ll need to

  • Be 18 years of age or older
  • Live in the UK with 3 years’ address history
  • Plan to use the account as your main bank account
  • Be studying for an undergraduate qualification for at least 2 academic years full-time or post-graduate for 1 year or more

What you need to apply

Once you’ve completed the online application, you’ll need to visit a branch with proof of your student status, address and identity.

Because of the coronavirus situation, we’ve temporarily closed or changed the regular opening hours of our branches so it might take longer than usual to make an appointment.

What documents are suitable?

Apply now

Apply online

Start your application for a Student Additions Account online.

Already bank with us?

Once you’ve completed the online application, you’ll need to visit a branch with proof of your student status, address and identity.

Because of the coronavirus situation, you might not want to visit us at the moment. If you do, it might take longer than usual to make an appointment at your local branch.

Money tips for freshers

Get in touch

Questions about our Student Additions Account? We’re here to help.

Web chat

Please don’t share any account information during your chat.

Tweet us

Tweet us a question @BarclaysUKHelp and we’ll respond within 2 hours.

Account information and fees

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

Terms and conditions for personal customers6

Current accounts – our bank charges explained6

Fee Information Document - Student Additions

14-day trial period

If you’re not happy with your account, you have a 14-day period in which to cancel your account or switch to another account. This begins on the account opening date or the date your receive your terms and conditions and other account information, whichever is later.

Your feedback

We want to hear from you if you’re unhappy with our service. You can complain in person, in a branch, in writing, by email or over the phone. You can get a leaflet detailing how we deal with complaints in any of our branches, on this site or from the Barclays Information Line on 0800 400 1004. The line is open between 7am to 11pm, 7 days a week. Alternatively, write to Barclays, Leicester LE87 2BB.

If we don’t resolve your complaint internally to your satisfaction, you may be able to refer it to The Financial Ombudsman Service, Exchange Tower, London, E14 9SR (telephone: 08000 234 567). The Financial Ombudsman Service is an organisation set up by law to give consumers a free and independent service for resolving disputes with financial firms. Details of those who are eligible complainants can be obtained from the Financial Ombudsman Service.

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