No hidden charges for student banking – you don’t have to pay to open or use your account
Our app helps you keep tabs on your spending and bills
Easy ways to chat with us online, by phone or at a branch if you have questions about money
What you’ll need to apply
You can apply in the Barclays app if you have a UK mobile number, or at a branch if you don’t. Download it from your app store to start your application. If you don’t have a UCAS code, we’ll ask you to visit a branch to complete your application.
I’m new to Barclays
To apply for our student account you’ll need to
- Be at least 18
- Be in full-time higher education, or a higher apprentice (level 4+)
- Have a UK mobile number and a UK residential address
- Show photo ID, such as a passport, driving licence or biometric residence permit
I already bank with Barclays
You can apply for our student account in the Barclays app. You’ll need to
- Have the Barclays app
- Be 18 or over
- Be in full-time higher education – including higher apprentices (level 4+)
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
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.
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.
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.
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.
Frequently Asked Questions
It’s a current account with extra features that you can use to help manage your money while studying. Get money paid in, and make payments by debit card, contactless, Direct Debit and standing order. It’s easy to keep track of and manage your money in the Barclays app, where you’ll also find tips on budgeting and planning for your future.
No – you need to have a UK mobile phone number to apply.
Log in to your UCAS online account and select ‘Opening a student bank account?’, where you’ll find your 4-digit status code.
If you applied with UCAS and have a conditional offer from a university, you can still start your application for your student account but you won’t be able to finish it until your place is confirmed.
Please call or visit your nearest branch to book an appointment. Our team will be happy to help you apply. 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.
It takes about 10 to 15 minutes to enter the details we need. If you don’t have your UCAS code, you’ll need to visit a branch to complete your application.
You can start using the account straight away, if we approve your application. Your debit card and PIN will arrive separately within three to five working days.
- A UK mobile phone number
- A valid photo ID – passport, full UK/EU/EEA driving licence, EU/EEA national identity card, or UK biometric residence permit
- A UK residential address – a letter from your university showing your address if you’re on campus, or a tenancy agreement
- Your 4-digit UCAS code – if you don’t have this, you’ll need to take proof of your student status to one of our branches. Please make an appointment – we’ve explained how in the ‘Need some help?’ section, below.
You can cancel your account any time up to 14 days after either opening it or receiving your account terms and conditions – whichever is later.
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.
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.