A student on phone

Student Additions Account

We make student money simpler

Apply in minutes with the award-winning Barclays app1

  1. No hidden charges for student banking – you don’t have to pay to open or use your account

  2. Apply for a Student Additions Account by 30 November 2022 and you could get a free 12-month subscription to Perlego – the UK’s most popular e-book service for freshers. T&Cs apply.

  3. Our app helps you keep tabs on your spending and bills

  4. Easy ways to chat with us online, by phone or at a branch if you have questions about money

Let’s check you’re eligible

Info
If you have lived in the UK for less than 3 years

Unfortunately, you can’t apply to a student account if you haven’t been a UK resident for 3+ years – but you can still apply for a Barclays Bank Account in the Barclays app.

You must

  • Be 18 years or older
  • Be studying full-time in the UK
  • Have lived in the UK for at least 3 years
  • Intend to use this account as your main bank account where your student loan and/or income will be paid
  • Be studying as part of
            o     An undergraduate degree (2 years’ minimum length)
            o     A postgraduate degree (1-year minimum length)
            o     A Higher Apprenticeship (Level 4+)

Undergraduate?

If you haven’t received an unconditional or confirmed offer from your college or university yet, you can still start your application. You won’t be able to complete it until you’ve received your offer.

Postgraduate or Higher Apprentice?

You can start your application in our app. Then you'll need to visit a branch to provide a letter from your university or employer confirming your course or apprenticeship details.

How to apply in our app if you're new to Barclays

When you first download and open our app, we’ll ask you to

  • Create a passcode to access the app safely
  • Take a picture of your identity document
  • Record a short video of yourself, which we’ll use to check your ID
  • Provide some details about your course and your UCAS status code
  •  Consent to a credit check

That’s it – we’ll let you know when you can start using your new account. Then you can switch any regular payments from another account to your new account with us.

You can apply for an interest-free arranged overdraft

Device graphic for interest free arranged overdrafts

If you’re a UK student, you don’t need to pay interest on arranged overdrafts up to £1,500.

Our maximum interest-free arranged student overdraft limits are

  • From account opening and during your first term: up to £500
  • Year 1: up to £1,000
  • Year 2 and beyond: up to £1,500

No interest is payable on arranged overdrafts.

The maximum arranged overdraft amount could 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. 

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 (eg 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 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.

About Perlego

  • Find and read the books you’ll need for your studies from a library of over 900,000 books across 1,000 topics, and take advantage of built-in tools designed to make studying easier.

    You’ll save £12 every month in your first year of university, giving you a total saving of £144 when you open a Barclays Student Additions Account. T&Cs apply.***

    If you open or switch to a Student Additions account by 30 November 2022, you’ll get a voucher that gives you a free 12-month subscription to Perlego. You’ll need to redeem it by 31 December 2022 to receive the free 12-month subscription. Terms and conditions apply. [PDF 92KB]

    Already got your Perlego voucher?

    Redeem it now  

Here’s what some customers said:

Amazing, could not have written our thesis without it.” - Emily
Honestly incredible! I am so thankful to have had this app for the last few weeks to complete assignments. I honestly couldn't have done it without this app and the resources that were available.” - Steph

Spend, save and budget with the Barclays app

We know money can be tight when you’re studying. That’s why our app gives you lots of ways to track your spending so you can stay in control of your money.

Graphic compares money you spend at shops and businesses month by month.

  • See where your money goes

Check when regular payments will leave your account and compare how much you spend at shops and businesses month by month.

A few taps in our app and you can set limits on how much you can take out at cash machine each day.

  • You’re in control

Can’t find your student debit card? A few taps in our app and it’s frozen temporarily. You can also get a secure PIN reminder, and set limits on how much you can take out at cash machines each day.

Graphic shows you can pay for stuff with your phone or smartwatch

  • Pay the easy way

With Apple Pay2 or Android’s Contactless Mobile3, you can pay for stuff with your phone or smartwatch. You can also use mobile numbers to send, spend and receive money, without having to share your bank details.

Frequently Asked Questions

Apply in the Barclays app

Get the Barclays app for your device. Your application will begin when you first open the app.

Account information and fees

Read all the details about banking with us and the terms and conditions of our Student Additions Account.

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 you 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, at a branch, in writing, by email or by 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, seven 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 (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.