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Student bank account advise please....

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need help!! my daughter needs a student bank account....she started uni in September having had a Santander account for a while but has been turned down for a student account with them???? I think i… Read More
sharyn73 Avatar
6m, 1w agoPosted 6 months, 1 week ago
need help!! my daughter needs a student bank account....she started uni in September having had a Santander account for a while but has been turned down for a student account with them????
I think it's because she is invisible credit wise having never had credit cards etc....what's the quickest easiest way for her to become " creditable"! thanks in advance.
sharyn73 Avatar
6m, 1w agoPosted 6 months, 1 week ago
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#1
She tried to apply for Nationwide account? http://www.nationwide.co.uk/products/current-accounts/flexstudent/features-and-benefits

Edited By: Mogolent on Jan 10, 2017 21:52: .
#2
Why does she need a student account and can't just continue to use her current account?
#3
Mermoo
Why does she need a student account and can't just continue to use her current account?

Interest free overdraft, perks?
#4

Has she been into a branch to discuss the issue with Nationwide directly?
#5
My Daughter had a student account with Lloyds which then became TSB.Interest free £500 overdraft and free NUS card for the full three years of the course (you just have to renew it each year) After graduating the account them becomes a graduate account.

Edited By: shywallflower on Jan 10, 2017 23:06: More Info
#6
My 2 had no credit history when applying for student accounts. Usually you won't get such accounts until a confirmed (unconditional) uni place has been offered and you have that in writing. Both of mine are happy with their Lloyds accounts if that helps...but they were advised to find a bank that has a branch local to the campus or halls in case of queries/issues with student loan delays etc. And it is also sensible to get a credit card at the same time as the account for future credit history so suggest that is explored as an option too.
#7
I got a Halifax student account and £1,250 interest free overdraft and had never had a credit card or anything? However, wouldn't advise the overdraft as ive graduated now and still haven't been out of my overdraft for a year despite working all hours under the sun! :-(
#8
Learn the difference between advise and advice?
#9
Why exactly was she rejected? Surely she should have been told. I've got a Santander student account and if I remember rightly, all I needed to open it was some sort of proof that I was actually going to uni which was a print out of the email from UCAS (along with ID etc). It's definitely nothing to do with credit, wouldn't make sense especially for a student.
#10
Get her to register herself on the electoral register at her permanent address (home). If she isn't registered then nearly all applications would be declined. This is because most financial institutions carry out a credit check when opening new account.
#11
pothole
Get her to register herself on the electoral register at her permanent address (home). If she isn't registered then nearly all applications would be declined. This is because most financial institutions carry out a credit check when opening new account.


not really the case for most young students
my daughter was 17 when applying for her uni & banking so obviously not on the electoral register.
She also applied and got accepted for the Santander student account with no financial history at all and so did my son a few years ago.
i think OP it's like others have said they probably didn't receive the letter to prove acceptance onto the uni course or maybe the course isn't eligible for a student account.

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