Halifax Student Current Account With Up to £3000 Interest Free Overdraft For Up To 5 Years!! - HotUKDeals
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Hi there, i was at my local halifax branch queuing up to withdraw money and i came across this amazing deal. I hope you all look in to it and treat yourself.

Get a student bank account that could give you the largest interest-free overdraft around, up to £3000. To open a student bank account all you need is a confirmed place at university.

We got the information on other accounts from 'Moneyfacts' and the relevant banks' websites on 17 July 2008. All amounts shown are the maximum overdrafts, not necessarily the overdraft you would be able to get. This is because the amount of overdraft depends on your personal circumstances and whether you make regular payments into the account.

Our largest interest-free overdraft continues past your graduation

With our student bank account, you can keep your interest-free overdraft for the length of your course - that's up to five years - plus an extra year after you graduate.

Get everything you'd expect from Halifax plus the following.

* A great interest rate of 2.02% AER - 2% gross (before tax) - when your account is in credit.
* 0% commission on foreign currency and traveller's cheques - great if you need a study break.
* 25% off AA membership for a year.
* 20% discount on Card Care insurance.

Apply today for our award-winning Student Current Account

It's no wonder 'Your Money' has voted us Best Student Banking Provider three years in a row.
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AslaM Avatar
8y, 4m agoFound 8 years, 4 months ago
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#1
Non available. Sorry pal
#2
my daughter opened one last year with a facility of £1000, and after a while she was told if she doesn't put in £500 they will charge her interest, so she put in 500 and then she was told to bring it in credit. The branches don't know much and the call centres don't care.
#3
dhoomdhoom
my daughter opened one last year with a facility of £1000, and after a while she was told if she doesn't put in £500 they will charge her interest, so she put in 500 and then she was told to bring it in credit. The branches don't know much and the call centres don't care.


Your Daughter should be putting her grants and loans into the account.

So £500 should be nuthing to her.

If anything this is a debt trap.
[helper]#4
£3000 - a crazy amount - just even more debt for students to get into - I'm with Natwest and I think £1400 is more than enough. I can just see so many people maxing out £3000 and then 3 or 4 years down the line they won't have a clue how they are going to repay it all. Just think twice before signing up for this amount of credit.
#5
It is only upto £3000. You will only get that after having the account for about 3 years. I opened one last year and only got £500 overdraft. After a year the most they will do is £1000. You will get a better deal elsewhere. Some companies offer you free stuff like railcards etc. Halifax/Bank of Scotland are not very good. (I would of used swear words in the last sentence but kids view this forum:thumbsup:)
#6
Although Natwest are absolutely awful on the administration side, and it is a pain in the **** to open a student account, their student account is probably the best out there in terms of overdraft and the extras they offer you.

I applied for a Halifax student account last year online and they refused me without giving me any explanation which I thought was quite odd, seeing as I'm a student and I have a good credit rating.
#7
The £3000 credit is useful if you look after you finances properly. For example if you invest the £3000 into a ISA for 5 years and with an interest rate of 5%, you should make over £600 in interest :thumbsup:
#8
its credit scored and you are unlikely to get near £3k
halifax also an awful bank/building society/whatever they are- when i had an account with them they allowed a DD to leave the account after i had cancelled it (may be due to the staff being temps from the estate agents they'd set up shop in) so my account was 'overdrawn'.

i told them ti was their mistake to give it to them after i'd gone into the 'branch' and cancelled it- they then charged me fees(at which point i thought sod you you idiotically run company) and continued to charge me for the next 10 months till it got close to £400 (they then archived it apparently)

i decided to sort out my 'debts' a few years later and discovered their charges on charges and was willing to just clear it for my own credit ratings benefit- went to the local head office and was surprised to hear how much it had risen to and they were not going to pursue it, they then offered me the card above mine on the account (which i think was due to them making a massive mistake in letting the DD through as after i mentioned it & the time/date i had cancelled it this offer suddenly appeared where as before it was very much you must pay us now)

but in short- Halifax are woeful avoid- cold as ice
#9
dont get the £3000.


I banked with them for 10 years, now with nationwide (free abroad withdrawals) and natwest student account.

halifax history

Got a savings account with a fair bit in, got loans paid into my student account. no credit cards, good credit history. Ive had £1000 limit for last 2 years. Arranged a meeting - Max they would give me is £1500 and i'm starting 4th year in structural engineering.

Natwest have been brilliant though. Went in and I said I'm starting 4th year etc etc, been at halifax 2 years previously (I went with halifax on basis of old offer of £2700 max limit). Natwest have given me the £2000 max they offer even though I havent been with them the full 4 years and a railcard which I've used a few times already.

Also was £100 overdrawn last summer and got a letter asking to pay up or my overdraft would be taken away within a week as my account was 'dormant' - I used it to pay bills and pay my part time wage into!

Avoid Halifax like the plague
#10
Bad idea. Still paying off my overdraft three years after uni and mine was only £1500 at its highest. Unless you know you can afford to pay it back before they start charging you don't bother.
#11
Jearm84

halifax also an awful bank/building society/whatever they are
but in short- Halifax are woeful avoid- cold as ice


So, just because YOU personally, have had a bad experience with Halifax, that means EVERYONE should avoid them? If that's true then everyone should avoid every bank and keep their money under their mattress!

In my experience Halifax have been great. I have a number of current and savings accounts with them for the last 15 years and never had a SINGLE problem with them.

Compare that to the other banks I've had to deal with, and left asap, Abbey & Natwest, and in my experience Halifax are considerably better.
#12
hsbc. lloyds are rubbish... iam with halifax for over 4 years... i have had no problems with them. this facility for students is great if you use the money wisely.
goodluck
#13
Also rejected for no reason
#14
JoolsG4
So, just because YOU personally, have had a bad experience with Halifax, that means EVERYONE should avoid them? If that's true then everyone should avoid every bank and keep their money under their mattress!

In my experience Halifax have been great. I have a number of current and savings accounts with them for the last 15 years and never had a SINGLE problem with them.

Compare that to the other banks I've had to deal with, and left asap, Abbey & Natwest, and in my experience Halifax are considerably better.


its not just me, i know quite a few people who have had trouble with them, you may not have had trouble or a SINGLE problem with them, however they are woeful in my experience, you may have been lucky but i've had problems occurring while simply paying in money for other people.

ive had an account with them for 20 years & nothing but trouble with them (i even got a ****** letter as an 8 year old telling me i wasn't important enough to vote on their switch to a bank :-D )

and as soon as i was able to get another bank account (at the time i had no driving licence or passport and everywhere wants those two as proof of ID so ,had to wait for someone i know to reach 3 years to recommend me to their bank) i was shot of them & it was one of the best decisions ive made financially

no people don't need to avoid every bank just them & the money under the mattress is preferable to them tbh

i'm just highlighting how frustrating and bumbling they can be, by all means show your sunnyside of halifax for but please dont expect me to not mention the darker side from my experiences as its quite important that anyone signing up for an account such as this know that they're not immune to massive mistakes as it could effect their very important choice
#15
They dont give you the £3000 even when they have history of use... excuses after excuses:x

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