- Loans & Mortages
Heading off to uni or starting out as an apprentice? Our Student Bank Account is jam-packed with perks to help you make the most of your newfound independence.
City West Union Student Bank Account
A current account for students and apprentices
To be eligible, we'll need to see proof you've been accepted onto an undergraduate course via UCAS or a higher level or degree level apprenticeship.
An arranged overdraft of up to $3,000
Get up to $1,000 interest-free in year one, which can grow to $3,000 by year three.
Smart mobile banking
Pay your bills. Check your balance. Block your card if you lose it. You can do it all in a few taps with our Mobile Banking app.
24/7 customer support
Got a question? Get in touch. Call us 24 hours a day, any day of the year, and our customer service team will be happy to help.
An easy way to pay mates
Need to split that taxi fare? You can do it easily in our app with Paym – all you need is your friend’s number
Access to savings accounts
Build up a nice little nest egg. As a Student Account customer you can open a Regular Saver and Loyalty ISA. So as well as working for your future, you can save for it too
|Charges and overdraft
|Overdrafts and unarranged overdrafts
|An overdraft lets you borrow money on your current account. An arranged overdraft is where we agree an overdraft limit with you. This can help in months when you have extra expenses. An unarranged overdraft is when you make a payment that takes your account over your arranged limit or overdrawn when you don’t have an arranged overdraft in place. We’ll always consider an unarranged request and make the payment if we can. Unarranged overdrafts may incur higher fees and result in declined transactions. We report account activity, including overdraft usage, to credit reference agencies. An unarranged overdraft lasting more than 30 days could have a negative impact on your credit rating. Overdrafts are not suitable for long-term borrowing and usually result in interest and other fees. If you take an arranged overdraft, you can later ask us to increase, reduce or remove your limit at any time online, by phone or in a branch. If you end your overdraft you’ll have to repay any overdrawn amount and any interest owed. If you want to reduce your limit, you’ll first need to make sure you bring your borrowing down within the new limit. To find out more, visit our overdrafts page where you can find out if you’re eligible and overdraft cost calculator
|Overdraft charges during your course or apprenticeship
|We offer you a guaranteed interest-free arranged overdraft of $1,000 when you open your account. You can request an increase of up to $2,000 in year 2 and $3,000 in year 3, subject to status and how your account has been used. Representative example (assumed arranged overdraft $1,000): 0% EAR variable