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Starting at university or college is an exciting time and with so much else going on you won't want to spend too much time thinking about your finances. That's why our Student Account makes things as easy as possible.

You can apply for a Student Account before your place at university or college is confirmed.

Up to £1,500 interest-free overdraft*

Up to £100 cash

Free NUS Extra Card

New customers
Apply for a Student account online today.Online
Apply for a Student Account online today.
It's secure, and will only take about 10 minutes to complete.

Over the phone
Call 0800 085 9175† open Mon-Fri 8am-10pm Sat 8am-4pm.

At your local branch
Visit any Lloyds TSB branch. Don’t forget to bring some ID. You'll also need to bring proof of your student status, for example your UCAS confirmation letter.

What proof of Identity can I use?

View Student account important information.

Features & Benefits


With our account you'll get...

  • £200 interest-free Planned Overdraft * - to help you prepare for university. You can apply for up to £1,500 Planned Overdraft when your place at university is confirmed in August,
  • up to £100 cash - £20 when your place is confirmed in August and up to £80 when you recommend up to four friends to open a Student Account by 15th September 2008 and they pay in at least £200 or their student loan by 31st October 2008,
  • free NUS Extra Card – giving you access to a wide range of discounts, offers and exclusive competitions when your place at university is confirmed,
  • commission-free foreign currency and non-sterling American Express Travellers Cheques,
  • free YHA membership for a year – opening the door to thousands of youth hostels around the world,
  • 35 free music downloads from eMusic – choose from over three and a half million tracks,
  • Lloyds TSB Student MasterCard credit card – to help you spread your costs, typical 19.9% APR variable and a minimum limit of £500 (subject to application and status),
  • a Lloyds TSB Visa debit card - giving you easy access to your money,
  • free text alerts, Internet and Telephone Banking – to help you keep track of your money,
  • mobile phone top up facility for pay-as-you-go phones at most Lloyds TSB Cashpoint ® machines,
  • the option to sign up for Save the Changeā„¢ - a simple way to save without even knowing about it.

Find out more about how these benefits work (opens in a new window).

View Student Account interest rates and charges.

Islamic Student account

We appreciate that following the requirements of your faith is important to you, which is why we offer a Shariah approved Islamic Student Account so you can benefit from an account that offers a range of great benefits plus the promise that your money is managed in a way that reflects your faith.

To apply for the Lloyds TSB Islamic Student Account call 0845 3 000 000  (lines are open 24 hours a day, 7 days a week).

View Islamic Student Account.

How do I apply?

You can open a Student Account with us before your place at university or college is confirmed. All you need to open an account is your letter from UCAS confirming you’ve applied for a full-time place at university and if you are a new customer proof of your ID and address.

Once you’ve opened your account you’ll be able to enjoy some of the benefits associated with your Student Account. You’ll be eligible for all the benefits when your place at university or college is confirmed to us by UCAS in August. We will then send you full details on your Student Account and information on how to apply for all your benefits.  

To apply for the Student Account you must:

  • have been a permanent UK resident for the last 3 years††,
  • be 17 years or older,
  • not have a Student Account elsewhere,
  • have applied for, or be studying on, a full-time course of at least two years duration which is one of the following:

Undergraduate degree such as a BA, BSc, LLB or BEd,
BTEC Higher National Diploma (HND – level 3 or 4),
Diploma in Nursing Studies,
Diploma of Higher Education,

Or

have an unconditional offer letter or a UCAS acceptance letter for one of the above courses.

New customers

Apply for a Student account online today.Online
Apply for a Student Account online today. It's secure, and will only take about 10 minutes to complete.

Over the phone
Call 0800 085 9175† open Mon-Fri 8am-10pm Sat 8am-4pm.

At your local branch
Visit any Lloyds TSB branch. Don’t forget to bring some ID (opens a new browser window) as well as proof of your student status, for example your UCAS confirmation letter.

Existing customers

At your local branch
Upgrade your account today by visiting any Lloyds TSB branch. Don’t forget to bring some ID (opens a new browser window) as well as proof of your student status, for example your UCAS confirmation letter.

What proof of Identity can I use?

View Student account important information.

* For customers aged 18 and over. Subject to status and application. Overdrafts are repayable in full on demand.
** The issue of a credit card and its limit depends on our assessment of your circumstances. You must be over 18, a UK resident and have a Lloyds TSB Student Account to apply.
*** Value is based on the cost of ‘O2 Premier’ Mobile Phone Insurance Policy at £90 per year as at 1 February 2007.
† Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.
†† A permanent UK resident is defined as a person who has lived in the UK for a minimum of 3 years prior to commencing higher education studies.
View Student account interest rates.