Festive music, mulled wine, sparkling lights - Christmas Markets and Winter Wonderlands are one of England's best traditions. An excuse to have a lovely day out with friends and families, take in the country's most picturesque cities, and do a little retail therapy whilst you're at it. We have listed some of the most popular Christmas markets for you to visit this festive season. Start planning your ultimate winter trip for 2023 today.
What are the best student bank accounts?
Before heading to university for the first time, one of the key things to organise after confirming your place and your student accommodation (with Host of course) is a student bank account. To aid you, we’ve done some snooping online to find the best student bank accounts – so you don’t have to!
What is a student bank account?
Put simply it’s a regular bank account made for those in higher education. You can pay money in and out, while benefitting from an interest-free overdraft.
Typically, the condition of receiving the perks of a student account is that you arrange for your student loan to be paid into that account.
What do I need to set up a student bank account?
To set up a student bank account you will need your normal essentials, such as proof of address and identity. These can be in the form of a current UK driving license, passport or birth certificate. Your UCAS code or confirmation letter from the university will also be required. If you were given a conditional offer from the university, then you may need to show your A-level results. As soon as you’ve got these you can open an account, allowing you extra time to benefit before the term starts.
What to be careful of what applying for student bank accounts.
Similarly to opening any form of bank account, it is really important to check the terms and conditions especially of any overdrafts. Check if the overdraft is ‘guaranteed’ or ‘up to’ – up to means you’ll probably only get the maximum overdraft if you have a good credit record.
Banks may allow you to increase your overdraft limit over the course of your studies, but remember that having a large overdraft that is interest-free doesn’t mean you should use it. Your top aim should be to budget and live within your means and use your overdraft for a rainy day or for worst case scenarios. You will have to pay it back once you are finish with your studies, or pay interest until it is fully paid off.
Am I allowed more than one student bank account?
You can have more than one current account or saving account, although with student accounts, it is unlikely you’ll be granted more than one. The terms of student accounts are typically that your student loan will be paid in to them. As you will only be receiving one loan, you can’t open multiple accounts. Banks regularly check to see that this is happening, so be careful before trying.
So what are the best student bank accounts?
Well according to those helpful people at MoneySavingExpert.com, these are the top student accounts:
NatWest & Royal Bank of Scotland:
The highest 0% overdraft after the first term.
- 0% overdraft: First Term: £500 | Second Term – End of Second Year: £2,000 | Year 3+: up to £3,250
- Perks: £100 FREE cash & a four-year Tastecard. To get these perks, just open to account and the £100 is then paid within 10 working days and you’ll be emailed a code to redeem the Tastecard within 5 days
A guaranteed 0% overdraft each year.
- 0% overdraft: Years 1-3: £1,500 | Year 4: £1,800 | Year 5: £2,000
- Perks: Four-year 16-25 Railcard
A 0% overdraft plus £100 cash.
- 0% overdraft: Year 1: £1,000 | Year 2: up to £2,000 | Year 3 & beyond: up to £3,000.
- Perks: £100 FREE cash and a one-year Headspace subscription. To get it, open the account & use the debit card 5+ times within 30 days – the £100 is then paid within 30 days and you’ll be emailed the Headspace voucher within 45 days (must use it by 31 March 2024)
Want to compare bank accounts or gain a second opinion from MonseySavingExpert? Then check out Compare the Market’s guide to student bank accounts.
If you are still looking for somewhere to live for the next academic year?
All-inclusive student accommodation is a popular choice for students regardless of their year of study. You will get peace of mind knowing there wont be any nasty shocks or bills posted through your door. Simply ensure you pay your rent on time and make the most of your time as a student. PBSA accommodation can also offer great social spaces for residents free of charge, such as gyms, cinemas, study spaces and laundry facilities.
Student accommodation providers vary and what they offer can differ. Read our tips on finding the right student accommodation for you.
Hassle-free. All bills included. Student accommodation.
Find your Host…
Host offer hassle-free, all-inclusive living and provide students with a welcoming, reassuring and stress-free experience at university or college.
We provide award-winning services our students have become accustomed to. And our management and staff always strive to exceed the exceptional quality accommodation and service we offer; building on the good reputation we’ve earned over the past 25+ years.
Look inside any of our properties and you’ll discover a comfortable, stylish and safe place to live. Somewhere welcoming and supportive. Happy and relaxed. A place to make the most of being a student. A home.
Getting serious about the environment we live in.
To become more ‘environmentally friendly’, Host is launching the #HostEnvironmentalPledge campaign to encourage responsible behaviour and drive sustainability across our sites throughout the UK and Ireland.
It’s a simple campaign! For every percent we reduce our overall utilities (electric, water and gas) consumption by we donate to one of our nominated charities.Show me all news
Hello Leeds! We are expanding our range of locations for student accommodation. Welcome to Exchange Court, our latest student accommodation in Leeds. A brand new luxury student accommodation in Leeds city centre opening in September 2024. Offering spacious studios with huge windows and lots of natural light and many with your own private balcony.
It's that time of year when the days are shorter, the weather is cold and wet, and after a day studying you just want to get cosy, not go to the gym. That's perfectly okay. Read our tips on how to burn calories another way.