
Stay on top of your money while you study
Our Student Bank Account makes it easy to manage your finances, and comes with an interest-free arranged overdraft offer.1 Helping you to make the most of your newfound independence.
You'll need to be 18+ and have a confirmed place on a qualifying course at a UK university or college.
Had an unconditional offer?
Apply for an account today with your 16-digit UCAS code.
International students
Recently arrived in the UK? Find out how to apply for a UK Bank Account.
What you'll get
An interest-free arranged overdraft
Get an interest-free limit of up to £1,000 in your first year, which could rise to £3,000 by year 3. Your overdraft explained.
Easy mobile and online banking
From checking your balance and paying your bills, to temporarily blocking your card, depositing a cheque and live chatting with us, you can do it all – quickly and easily – with our mobile app or online banking.
Guides to help you master your finances
If you're new to managing your own budget, our free student finance guides and financial education content will help you do it with confidence.
Protection against theft and fraud
Suspicious activity is picked up by our systems, helping to protect you against fraudsters. And if your card gets lost or stolen, block it in seconds in-app or online.
Overdraft representative example
0% EAR2 (variable), giving a representative rate of 0% APR3 (variable). Based on an assumed arranged limit of £1,200.
How does our overdraft compare? A good way to find out how we compare against other overdrafts or ways of borrowing is to look at the APR (annual percentage rate). An APR shows the cost of borrowing over a year. They're designed to help you compare one credit product (like a loan or an overdraft) against another more easily.
Our app puts you in control

Settle up in seconds
Need to split the bill? Send money quickly and easily to your friends via our app with PayM. There’s no need to enter any bank details – all you need is your mate's mobile number.
Stay informed with instant notifications
Get push notifications every time you make a purchase, a Direct Debit leaves your account or your student loan comes in. You'll also be able to spot any unexpected payments right away – giving you a bit more peace of mind.


Get help whenever you need it
Want to block or activate your card, manage your overdraft or simply ask us a question? You can do it all in our app. Whatever you need, we're always here. 24/7, 365 days a year.
Be the master of your budget
With our Balance After Bills tool, you can quickly see how much money you'll have left to play with after bills and other regular payments. Making budgeting a whole lot easier.

Things you should know before applying
Opening your account is easy
You can apply for a Student Bank Account if you:
- are 18 or over
- live in the UK and have lived in the UK, Channel Islands or Isle of Man for at least 3 years
- don’t have another student account elsewhere
- have proof you've been accepted onto a qualifying course at a UK university or college
- have read the important account documents above

New to HSBC?
If you don't have an HSBC account already, apply for your account today.
Already an HSBC customer?
Apply online and we'll automatically upgrade your account to a Student Bank Account once you've completed your application.
New to the UK?
If you've been living in the UK, Channel Islands or Isle of Man for less than 3 years, please apply for an HSBC Bank Account for International Students instead.
You might be interested in

Student Credit Card
Our Student Credit Card could help you cover unexpected expenses and build a good credit score.

Student guides
Get help on everything from prepping for university to borrowing money as a student.

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

Protect the things you own while at university
Cover your phone, gadgets and more with Select and Cover, our multi-insurance policy. Eligibility criteria, T&Cs, limitations and exclusions apply.
The small print
1.Overdraft offers are subject to application and an assessment of your financial circumstances. You must make regular credits into your account in order to keep any arranged overdraft limit we agree. Back to 'What you'll get'
2.EAR means effective annual rate. This is how all UK banks must show interest rates on their overdrafts, to make it easier for you to compare one bank’s overdraft with another. Please note that it doesn’t include any fees you might be charged in addition to interest. Back to 'Overdraft representative example'
3.APR (Annual Percentage Rate) is the rate at which someone who is borrowing money is charged, calculated over a period of twelve months. It takes into account not just the interest, but also any other charges that may have to be paid and any interest free amount". Back to 'Overdraft representative example'
4.Overdraft offers are subject to application and an assessment of your financial circumstances. You must make regular credits into your account in order to keep any arranged overdraft limit we agree. Back to 'Things you should know'