After being accepted and having my university place confirmed, I was given my £1000 overdraft (the maximum available for a first year student - but this is easy to reduce if that's what you want). I was also sent a welcome box with some university essentials like a door stop, some instant noodles, playing cards, a game, some chocolate bars and some popcorn! I thought this was a lovely gesture. I also found helpline staff very efficient when I needed to reset an online banking password. The banking app also works really well, and I havent had any issues with payments missing from my balance.