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Student Account important information

Below are further details on the benefits available. We recommend you take time to read each section carefully. Full details on each of these and the Student Terms and Conditions will be provided to you in your welcome pack.

Student Account Welcome Pack
Personal Banking Terms and Conditions
Student Account Overdraft Interest Rates
Banking Charges Guide

Benefits & Discounts

Up to £1,500 interest and fee-free tiered Planned Overdraft
In your first year of your studies you can apply for an interest and fee-free Planned Overdraft of up to £1,500 (subject to application and approval). Starting with £500 for the first six months. You can then apply to increase it to £1,000 in months seven to nine and from month 10 up to £1,500 – helping you to manage your spending over your first year. We also offer an interest and fee-free untiered Planned Overdraft of up to £1,500 in years two and three and up to £2,000 in years four, five and six. (subject to application and approval).

Three year Youth Hostel Association (YHA) membership
With our Student account, you’ll get three year YHA membership completely free. So wherever you want to go in the world, you can be sure of a warm welcome and a clean bed. Membership gives you great discounts at hostels in England and Wales as well as being your passport to a worldwide network of around 4,000 hostels in more than 90 overseas destinations.

40 free music downloads from eMusic plus a free Mini Speaker
Don’t spend time shopping around to download your favourite tracks. Stock up your MP3 player with 40 free music downloads from eMusic in an instant. Choose from over eight million tracks from legendary and emerging artists in every genre. What’s more you’ll also receive a free Mini Speaker (subject to availability) to play your new tracks on. Internet access, registration and debit or credit card required.

Lloyds TSB Visa debit card
Your Lloyds TSB Visa debit card can be used at 27 million outlets around the world and gives you the freedom to take out money at 62,000 cash machines in the UK. You can also use it to get up to £50 cashback where available and make payments online or over the phone.

Lloyds TSB Student Credit Card*
To help you balance your finances you can apply for a Lloyds TSB Student Credit Card with a minimum limit of £500 representative 19.9% APR variable (subject to status and being 18 years or over). You’ll get up to 56 days interest free on purchases if you pay off the balance in full every month by the payment date shown on your statement.

Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority except for lending where we are licensed by The Office of Fair Trading. FSA authorisation can be checked on the FSA’s Register at: www.fsa.gov.uk/register. Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.

* How much we lend and the issue of a credit card depends on an assessment of your circumstances. You must be 18 or over and a UK resident to apply. Overdrafts are repayable in full on demand. PhoneBank® is a registered trademark of Lloyds TSB Bank plc.