
Wherever life after university leads you
In the middle of all this change, one thing you don’t want to worry about is banking. That’s why our Graduate Bank Account offers you benefits, rates and services designed to make the move from study to a career that much easier.
To be eligible, you'll need to provide proof that you're a recent graduate.
Open an account today

At a glance
Apply for an arranged overdraft
An arranged overdraft up to £3,000 interest-free in your first year after graduation.1
Earn more on your savings
Enjoy an attractive savings rate with a Regular Saver account, one of our highest earning savings accounts.
Set up text alerts
Keep track of your account balance and large withdrawals and deposits.
Pay your mates quickly and easily with Paym
You just need their number and our Mobile Banking app.
Get a Visa debit card
Withdraw up to £300 a day and make contactless payments.
Overdraft representative example
Representative example (assumed arranged overdraft of £1,200): Year 1: 0% on the first £3,000, 39.9% EAR3 variable on anything above that, giving a representative rate of 0% APR variable.
You can compare our overdrafts with other ways of borrowing by looking at the Annual Percentage Rate (APR). APR is the cost of borrowing over a year and lets you compare the costs with other credit products.
For further help and support on managing your finances and overdraft, visit our Students guide.
What else is included?

Access to savings accounts
Build up a nice little nest egg. As a Graduate 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.
Exclusive offers
Access worldwide offers and discounts on everything from savings on clothing to exciting days out. We’re constantly updating our offers, so they may vary as new ones come in.

Things you should know
Who can apply?
You can apply for a Graduate Bank Account if you:
- are 18 years or older
- have graduated in the UK within the last 2 years
- have been a resident in the UK, Channel Islands or Isle of Man for the last 3 years
- are happy for us to do a credit check against your name (if you live in the UK)
How to apply
Please make sure you've read the important information in Things you should know before applying.
Apply in branch
To apply for a Graduate Bank Account, please visit one of our branches. You'll need to bring the following with you so that we can open your account:
- proof of graduation (eg a graduation certificate or a letter or email from your university or college), including the date you graduated
- ID, proof of address
Already have a current account?
Find out how to make your current account work harder. Access discounts, overdrafts, and savings accounts with preferential rates. There’s something for everyone.
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Regular Saver
Put some money aside and watch it grow with our top savings rate.

Credit cards
Spread the cost of spending, transfer a balance or earn cashback or reward points.

Understanding your overdraft
If your overdraft is calling you, make sure you know how it works first.