The early bird benefits
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Banking sorted early
Enjoy the luxury of knowing that your banking is already taken care of.
You'll enjoy all the essentials of the Student Bank Account and come A-level results day, just show us proof of your uni place to get upgraded and receive the full benefits of the Student Bank Account.
Please note, credit facilities are only available to customers aged 18 or over.
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The undergraduate benefits
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Interest-free overdraft
We'll offer you a guaranteed interest free overdraft of at least £500 at account opening.
This could increase to up to a maximum £3,000, subject to status and how you use your account.
Plus, we won't charge you any overdraft arrangement fees.
Please note, applicants for overdrafts must be 18 or over.
Representative example (assumed overdraft £3,000): 0% EAR variable.
If you try to make a withdrawal at any HSBC cash machine that would take you over your overdraft limit, you'll get an on-screen alert to help you know exactly where you are with your money.
You can also sign up to receive text alerts when your account balance drops below a certain amount.
To set up a text alert, call us on 08457 404 404.
Lines are open 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day).
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Student Bursary Competition
Over the years we've come to understand the money worries students face.
That's why, every year we run our Student Bursary competition.
This gives eight students a great head start as they embark on a new journey into student life by giving them £15,000 each.
To find out more, visit our facebook page.
Credit interest
During your first year, the first £1,000 in your Student Bank Account, will earn interest at 1.5% AER/gross above base rate, current 2% AER/gross variable (does not apply to our postgraduate Student Service.) Interest is calculated daily on the cleared credit balance and is paid monthly.
AER (Annual Equivalent Rate): This is a notional rate which illustrates what the Gross rate would be if interest were paid and compounded each year.
Gross: The rate before the deduction of tax applicable to interest on savings.
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Travel Insurance - existing customers only
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If you deposited a lump sum of at least £250 into your Student Bank Account between 1 August and 31 October in either 2009, 2010 or 2011 during your first year at university you may be eligible for 2 years worldwide Travel Insurance.
To find out if you are eligible take a look at the Policy Document that applies to you or contact us in the usual way:
Travel Insurance Policy Document - 2009
Existing customers who started their first year at university in 2009.
Travel Insurance Policy Document - 2010
Existing customers who started their first year at university in 2010.
Travel Insurance Policy Document - 2011
Existing customers who started their first year of university in 2011.
HSBC Student Travel Insurance is provided by Aviva Insurance Limited.
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The postgraduate benefits
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Interest-free overdraft
If you are returning to study, you can apply for an overdraft facility of up to £3,000 interest-free.
We'll also guarantee you a minimum limit of at least £500 when you open your account.
To help you know where you stand, when you withdraw cash from an HSBC cashpoint you'll get an on-screen warning if you're nearing your overdraft limit.
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The account essentials
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HSBC Debit Card
Use your debit card in shops, restaurants and online, and withdraw your money from any ATM in the UK1 - up to £300 a day.
Get up to £100 cashback at outlets nationwide when you pay with your HSBC Debit Card.
You can also use your card to withdraw local currency at cash machines worldwide and pay for goods and services worldwide wherever you see the VISA logo.
Foreign exchange charge of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee - currently 2% (minimum £1.75, maximum £5.00).2
More on the HSBC Debit Card
Internet Banking
With Personal Internet Banking you can check your balance, see your statements and pay your bills and much more.
To see how it works, watch our interactive demo.
Internet Banking facilities are available 24/7 subject to planned maintenance periods.
More on Internet Banking.
It's also now easier to log on to your internet banking from an iPhone™ or Android™ phone with our Mobile View service.
Telephone banking
Get a balance enquiry, make credit card payments, obtain transaction details and transfer cash between accounts at any time, day or night with our automated service.
And if you have a query, our Customer Service Representatives are available on 08457 404 404 from 8am to 10pm every day.
Calls may be monitored and/or recorded.
Quarterly statements
Once you've set up your account you'll automatically be sent quarterly statements.
Once you register for Internet Banking, you'll then have the option to switch off your paper statements and receive them electronically instead.
It's green, it's convenient and it means you'll have less mail to open.
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The additional products and services
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Budget calculator
Keeping on top of your finances can be quite tricky, especially if you're living away from home for the first time.
Our online Budget Calculator is a handy tool to help you better manage your money.
Travel guides
A 25% discount is available on over 500 Lonely Planet titles bought at the Lonely Planet online shop.
If you buy a full book in digital chapter format you'll pay 20% of the guidebook RRP.
To apply the discount, enter the promo code which is provided to you in your student welcome brochure in the promo box on checkout.
Please note, this offer is valid from 1 June 2011 to 31 March 2012 on UK deliveries only.
It excludes postage & packaging and does not apply to 'India: Essential Encounters' or 'Australia: 42 Great Landscape Experiences'.
It may not be combined with other special offers, discounts, promotions or pre-discounted items.
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Student Credit Card
If you are 18 or over, you can apply for a Student Credit Card with a credit limit of up to £500.
Handy for emergencies, it's available subject to status and account conduct.
Help with your finances
We understand that going to uni can be a struggle financially.
If you're worried about money, do come and talk to us.
The quicker you act, often the easier it is for us to help you.
More on help with your finances.
Currency and travellers cheques
Order travellers cheques or commission-free foreign currency on amounts between £100 and £2,500.
Please note, we charge a 1.5% handling fee for sterling Travellers Cheques.
For your convenience we have Euros and Dollars in over 1200 of our branches, plus cash in up to 67 currencies and travellers cheques in 7 major currencies available for next day delivery.
Order online, in branch or by telephone.
Call 0800 032 4700.
Lines are open 8am - 10pm every day except Christmas Day, Boxing Day and New Year's Day.
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