Santander Bank Accounts Reviews

22 January 2019
The Santander 1 2 3 current account is really easy to access. The online banking is especially handy and the customer service is excellent, last night I called to have my debit card blocked and it was done in under ten minutes. Quality!
22 January 2019
Simple to use and efficient for online transactions. There is hardly any issues with using the debit card and interaction with staff at the bank offices have been pleasant.
22 January 2019
I really like having a student bank account with Santander. They have lots of good perks that came with being a custmor to them like a free railcard which has been very handy for me as i commute to uni by train.
Abuzar Arjomandnia
22 January 2019
Very good student national rail card for five years! Also good interest return monthly. Very student friendly account compared to other bank accounts which make lots of promises but don't deliver.
22 January 2019
Brilliant student account.. And really helpful staff.. I think its good to have a student account as saving money on bills.. A great overdraft and finance advice.. I've been santander customer for 10years and always found them to be the best.. I don't to move acvoubts and have decided to remain as a loyal customer.
22 January 2019
Santander have given me poor quality customer service from before I even signed up for an account. I was told to sign up I needed to go online even though I was already in branch? Then I encountered problems online so I had to go in branch again to solve these issues. In branch I was told that they couldn't deal with these issues and that I needed to call them to fix it. Not only this, but my card never even arrived. I decided not to bother following this up because I can use other banks which are more capable.
22 January 2019
The Santander student account is great. Not only do they provide you with monthly interest but they also give you a 3 year railcard which gives you 1/3 off of you train travel, and you can sync it to your oyster card too! The only reason why I have not given it the full 5 stars is because transactions do not appear immediately on your account. It takes a few days and this can be annoying. But other than that its a great account and the online banking is very secure too. You also get up to £1,500 in overdraft without having to pay any interest.
22 January 2019
Poor customer service. Whenever we call for help/go in for a chat. They always say check our website out. I mean there is a reason why I came to the branch and not just looked online. Also they need to explain clearly what happens to student accounts once graduated and going onto doing masters.
22 January 2019
Really good account with great interest and perks - including a student railcard and big overdraft! I have always found the customer service to be very helpful whenever I needed anything. The mobile app also gives you free cashback at lots of retailers which is a nice bonus each month
22 January 2019
Great overdraft with 0% apr, and a free railcard which I use for trains home and back (you save quite a lot through this). Transactions don't show immediately in some cases but if you budget it's no problem.
22 January 2019
Never had to use the customer service, however, get £1500 overdraft if you pay in enough. This is more than I'll ever need. Online and mobile banking very easy to use. Get a free 4 year 16-25 railcard which gets 1/3 off rail prices, handy for a student. Contactless card and can be used on Apple Pay. Overall very good.
22 January 2019
I have the Santander account and overall it is good. the overdraft is big and increases as time goes on. the app is easy to use and it is easy to transfer to other accounts. when I set up the account I also got a free 4 year rail card
22 January 2019
The Santander account that I have has a good sized overdraft that increased over the time have had it when I need it. the app works well and it is easy to transfer money and see what is in my account. When I set up the account I got a 4 year rail for free which was great too.
22 January 2019
Great flexibility with overdraft, the online banking is fantastic and providing a free four year railcard for students is so handy.
22 January 2019
Have never had a problem with Santander, my account was easy to set up and the customer service was excellent. Only downside is that they no longer offer a postgraduate current account
22 January 2019
overall a good service as there are several perks as well as being given advice while setting up the account
22 January 2019
I like the layout of the online banking and it's very easy to move money and send money to other people. Also very good deals
22 January 2019
This student account is very good and you get a rail card hen you sign up, but the app can sometimes be difficult to nanvigate around
22 January 2019
Santander student account is good! Their customer service team is always available when you need them. The overdraft is could but I would say read the overdraft fees. The mobile banking app has definatly improved over the years. Not much perks but the railcard is good. Only downside is that you can't pause your card, it's a new thing most banks are doing but Santander hasn't caught up yet.
22 January 2019
Really good bank account allowing student to have a very decent sized overdraft to help with daily struggles. Also get a free card which is super helpful for travelling back home and to different cities - bonus: also works for London travel.
22 January 2019
Really good bank - mobile banking is great, easy to use and get in contact with Santander, the 4 year railcard was also extremely helpful and was definitely the best student bank offer - I have saved a lot of money with it. would highly recommend
22 January 2019
In terms of interest and overdraft this account is perfect! The mobile banking app leaves a bit to be desired, payees should be ordered alphabetically.
22 January 2019
Really good and easy app to use. Applied online very easily, no stress. Good communication with the bank The perk of joining was a free rail card for the 3 years in studying which has saved me a lot of money
22 January 2019
This account was perfect for me going to university. The free railcard was extremely useful for the 4 years and I like how the Santander online banking looks and operates. It doesn't show pending transactions like other banks which would be a good addition, but now that the account has become a graduate one, I'm grateful I can still use the overdraft as I work my way out of it.
22 January 2019
I initially signed up to Santander because the offer of the rail card, however for the 3 years I had the card and the graduate account, I have had no issues with them. Found the customer service excellent. Never had issues with the app, found it very easy to use. Overall had no problems and would recommend this account.
22 January 2019
Having my first bank account with Santander, I felt so prepared financially when I went to university. Now I am a graduate they are still supporting me through my next phase of life!
22 January 2019
Never had any problems with my Santander account and staff are very helpful on the phone. Both the online banking and mobile banking services are great and have served all of my requirements. The 4 year railcard that I received upon opening my account was also a great bonus.
22 January 2019
The bank made is easy for me to open an account and continue to use it. The overdraft was also a very handy feature, as it's interest free. The free railcard was also a big help. Would recommend to other students
Tani Henderson
22 January 2019
The start up procedure was quick and easy, just had to send a few details in the post or go into a branch. The mobile banking app is excellent and easy to use.
22 January 2019
Generally very satisfied with the service. The local branch employees are very friendly and attempt to support you in your queries as much as possible. However, being an international student I was somewhat displeased that opposed to my British friends, foreigners are not offered any perks when creating an account. As I don't use make us of overdrafts I cannot comment on this category.
22 January 2019
Customer service is great, overdraft is necessary for a student to have. Mobile banking app is easy to use.
22 January 2019
Santander offers really Good overdraft options and free 4 year railcard! Definitely worth it, i have saved a lot using this.
22 January 2019
Great bank account for students. Free railcard upon joining, good overdraft facility, interest free. App is good as is online banking. Staff always friendly snd helpful, over the phone and in the bank
22 January 2019
With a no interest no fee overdraft of £1,500 and a free rail card this account is amazing for students. Would recommend
22 January 2019
This account was a massive help during university and afterwards as it becomes a graduate student account once you graduate. I used it as a secondary account to my main one and it was very helpful to sort out money this way. The app was fairly easy to use, it has definitely gotten better over the three years I have had it as now I can use my thumb print to log in. I didn't really use any other perks that I know of. Overall, a good choice of student accounts.
22 January 2019
I signed up to get a student current account while doing my masters, after having completed a three years bachelor in the UK. The current account application form said that you had to prove to have been living in the UK for threee years prior to your application, which obvioiusly I did. However, when I went to the branch to apply, I have been told that for European students this doesn't apply. I got a normal 1|2|3 account though, which I'm pretty satisfied with for now, because it includes no fes on international bank transfers, whether you're receiving them or sending them, which comes really handy. Moreover, the online banking with Santander is amazing and the retailer offers on the new app are really convenient, they often include trainlinetickets or national express tickets, and you can get certain percentages of cashback each month.
22 January 2019
Excellent interest rate and overdraft. I also received a free railcard offered when I created my account.
22 January 2019
Immediately it was obvious this was the bank option to go with. There was even a branch on campus for any issues. App very easy to use. No complaints ever had.
22 January 2019
amazing initial deal if you live in london or travel a lot because they offer a national railcard 16-24 card for free which has made travelling prices bareable. only disadvantage of their app is how slow it is to update
22 January 2019
The Santander student account is fab! You receive really good interest and you have a decent overdraft if and when you need it. There are no fees on the overdraft. Every time I've gone in for help, someone has helped instantly and sorted out my issues quickly.
22 January 2019
I first opened by Santander Bank account before I went to university. It was my first ever bank account and I was very nervous. The staff member that dealt with me was incredible; making the entire situation easy and accessible. He went through all the details about the account I was opening making me feel at ease about everything. One of the best things he drew to my attention was the FREE railcard I was receiving just for using Santander! It gave me 4 years discounted travel. As I was commuting student this was a huge benefit. It got me to university daily, as well as though those spontaneous trips into London and down the coast. It was brilliant. The overdraft was definitely another benefit that I had. It gave me a £1,500 overdraft so I knew if I every got into a spot of bother I always had money. I was quite a organised student so I never went over my limit but the safety net was always there making me feel 10 times better about my spending. Santander are brilliant as they do not require a interest on their overdraft. Overall, I would say Santander was the best bank for me, but as a student it was an even better choice.
22 January 2019
I opened my student account in 2014, and after problems throughout (money being taken out my account then being refunded when I noticed as 'goodwill') I will not be having another account with Santander again. With interest payments on a graduate account as well (when I know other people with Santander graduate accounts that have no interest) I feel like the staff have been rude, and the fees ridiculous for interest on an arranged overdraft.
22 January 2019
Great customer service from this bank, especially at my local branch in Turriff, large overdrafts are also very helpful and adds extra security for students when waiting for SAAS to come in each month.
22 January 2019
A good sized overdraft, mobile app is quick and reliable and a free railcard for the duration of the degree was provided
22 January 2019
You get a free 16-25 railcard - essential for travelling around the UK! Reasonable interest and they automatically upgrade you to a 123 graduate account in your first year after graduating. Overdraft limit isn't tight at all and they have always been so helpful in answering any of my queries when I have rang them up in the past. So helpful !
22 January 2019
Really easy to use. The free rail card is really beneficial for a student. Especially one that lives miles from home. Overdraft is great because it is the largest of any. The banking app is easy to use which is great when you owe friends money.
22 January 2019
Very easy to set up and use. Starting overdraft of 1500 which can be extended as you progress through your degree. Also get a free Railcard when you open the account which lasts for 4 years!
22 January 2019
The overdraft system is very good here, I am able to have up to £1500 interest free and also when I go slightly over drawn from that £1500, it gives me the opportunity to get above -1500 before charging me interest. Usually a few hours
Jack Jefferson
22 January 2019
The free railcard has saved me loads over the years. The 0% overdraft came in useful, and I got a small amount of cashback by spending on the debit card. The app was recently updated too, which brought a massive improvement.
22 January 2019
Really faultless banking service, also I have over the course of the three years comfortably made my money back and then some on the 16-25 railcard and it was honestly the main reason i picked this bank over others, off the top of my head HSBC's £50 amazon voucher
22 January 2019
Good customer service with very helpful staff in most branches. Online and mobile support is really good, I've had some very quick and simple help from the phone support and has solved my problems very quickly. Really great overdraft with up to £1500 for me which has been very useful especially when you need to pay bills etc but don't have the cash in your account. Online banking is extremely easy with the app especially with saving payees, means you can send money to friends very easily. There's options for discounts at some shops but I haven't explored that very much.
22 January 2019
They are always great whenever I lose my card etc. You get a great oberdraft limit which is necessary as a full time student
22 January 2019
Santander have brilliant customer service, when starting at university they are incredibly helpful with informing you as to what your options are as well as explaining which would be the best and why. It's really easy to set up an overdraft with them . Their banking app is simple and straightforward to use with plenty of information on it, if there are any issues they make it quick and easy to resolve them.
22 January 2019
The online banking is very easy to use and the interest rate is pretty high compared to other banking providers.
Ella Ford
22 January 2019
Overdraft is great, never gone full into it. The app is good (although super annoying when you click off then onto it). Free railcard saves you a bunch of money.
22 January 2019
The santander student current account is a very good account to having coming to uni. The overdraft comes in handy for those times at uni when money is really low and it's great to have railcard. The app could be much better though.
22 January 2019
The overdrafts are great as there is 0% interest for all the years you are a student and plus another year for when you are a graduate. And having that additional £1500 is useful as a student. You can change the amount of the overdraft with no cost to you. It also gives you enough time to pay it off. Also the incentives of a free rail card is really good as It meant I could travel home often from university. Didn't use the mobile app because I am scared of using banking apps on my phone. Used online banking which was easy and fast. And it felt very safe as well.
22 January 2019
Santander is a great student account. I got a free 16-25 railcard when I signed up which has saved me so much money, fab customer service when you need it, and a great interestless overdraft of up to £2500. And once you've finished your studies it changes to a graduate account which still have a interestless overdraft for a year!
22 January 2019
The customer service at santander is above par, they are always helpful on the phone and try their best to meet your requirements if possible. The student overdraft account is perfect and necessary for me at university as it has a zero % interest on any money up until £1500 therefore I can meet my rent needs without having to pay extra. The app is also perfect, they could make it easier to pay new people instead of writing all information in, maybe by using a photograph scanner to place all valuable information into the correct boxes. Overall, I would suggest santander to anyone who is looking for a student account.
22 January 2019
Really easy to understand all the features of this account. Got given a big enough overdraft to help support but not too much that it felt hard to pay back.
22 January 2019
Mobile app is quick and easy to use. I also lost my card and they were quick and helpful in returning one to me ASAP.
22 January 2019
Online banking straight forward and simple to use. Branch staff helpful and queries dealt with quickly.
22 January 2019
It's a good account however I am dissapointed that After a couple of weeks have gone by my free railcard still hasn't arrived which is one of their perks. Other than that I'm happy with them
22 January 2019
The Santander 123 Student Current Account is a great bank account for any student. As many students spend their money quickly, their overdraft ranges up to £1500 interest free! They also have a mobile bank account making it easy to check your balance or transfer funds to other people and/or accounts. The mobile app also lets people choose retailer offers for restaurants such as Starbucks and prezzo, as well as retailers such as Rymans, where customers can gain cashback.(These offers vary every month.
22 January 2019
The banking app is a fantastic way of keeping track of your finances. the only downside is that your real time spending is delayed, for example if you spend money on a Monday it will only appear on your account on the Tuesday or Wednesday. The additional benefits- the railcard- is a fantastic perk. I commute to uni so it saves me loads of money a week, especially since rail prices go up every year.
22 January 2019
Great flexibility with the overdraft and helpful bank service. The railcard was a great added bonus and allows me to travel at a fraction of the price. The online banking facilities are easy to use and allow me to easily check my balance on the mobile app. The added bonus of being able to create a savings account easily also really helps to save a little bit of money. The customer service is really fast and friendly when help is needed. The account has a fair level of interest and is perfect for students who want to feel secure with an overdraft that covers you for any unexpected costs like deposits for houses. It would however be more useful to be able to have an online banking app that does more, such as ordering a new card or maybe temporarily freezing the account if a card is lost. The paperless option for correspondence is also great.
22 January 2019
The online banking app massively helps you to track your spending and doesn't often leave transactions pending for too long. The 1500 overdraft is a godsend and means you have to rely on your parents less. The free student railcard is an added bonus too!
22 January 2019
My overdraft has helped me so much and i find them really easy to use! I never find myself dipping too far into it because its so big... The fact you can get a rail is great as I use train travel a lot and it is mega expensive!
22 January 2019
Absolutely great, you get a £1500 overdraft and a student railcard for the duration of your course. This is really handy for me as I travel back and forth from home and uni a fair bit and the tickets would normally cost me £90 now its only £50-60. The account is saving me tonnes of money.
22 January 2019
Easy to set up, helpful and friendly advice is given when needed and clarity within the process so you're informed all the time.
22 January 2019
Great bank for students with useful perks. when using this bank you get a £1500 overdraft which is nice for when is nearing the end of a semester. you get a free 4 year rail card with means that you get big discounts when buying train tickets, saving you a lot of money on travel expenses. the banking app works really well as it has great security features and clear controls. you can do everything that you would need to do in the app including transaction log, payments, card details and more
22 January 2019
With the Santander 123 student current account I am a Ken to successfully track my spendings and transfer me savings with ease. It was a massive added bonus that we received free railcards to last our degree also as I have travelled a lot during it.
22 January 2019
Two things that stand out are the mobile banking app and the customer service. The mobile banking app is very easy to use and includes everything you could need, whilst help is just a phone call away. Perks also include the overdraft and the free railcard. I'm not so thrilled by low interest rates.
22 January 2019
Great customer service, sizeable overdraft and a free 4 year railcard can't beat it really, had it for a year and it's super easy; the online banking works great, the app is very easy to use and super simple to set up
Hannah Allwright
22 January 2019
Santander is the only bank account i've been with since the age of 13 when I started saving. I have had no problems and they always seem to be so helpful. Couldn't fault them!
22 January 2019
The bank account offers a free rail card with it that gives you 1/3 off trains. I've used this so much over the past few years. The bank account has a hefty over draft with no interest and I haven't gone into that since being at uni. It's great for storing your student loan as you earn interest. The mobile app is easy to use and it is very easy to transfer money.
Moises Garcia
22 January 2019
A complete bank account with many service to offer. Very fast to respond to any queries and at the moment I've got no complaints. The overdraft they provide is very useful and also they provide you with a free railcard.
james rolls
22 January 2019
Fantastic bank with easy to use format and good interest rate! Found setting it up so be very easy and simple, and if you live a couple of hours away from University, as I do, having the 4-year student railcard is an excellent perk.
Lizz Jones
22 January 2019
Santander have great customer service and are always happy to help. You can get a £2,000 arranged overdraft without charges, which is an absolute lifesaver for a student! The online banking service is really easy to use, and you can open a savings account at the click of a button. I love Santander and wouldn't bank anywhere else.
22 January 2019
Very easy to use, I have had no problems with this account. Santander's customer service is definitely better than some other well known banks.
22 January 2019
Super easy to set up and transfer money. App works really well and helps me manage my money. Text alerts are brilliant, I can set one to let me know when SF loan has come in as well as when I'm running out of money! Also free rail card gave me 1/3 off the tube (off peak) so has saved me loads in travel (London)
22 January 2019
I found Santander the best for me as you have a 0% interest £1,500 overdraft limit for 4 years, which I felt gave you the freedom to use it and not worrying about having to pay back more than you've used. I also received a free 16-25 railcard which made it so much easier and cheaper to travel!
22 January 2019
The app itself is okay and is very clear in terms of showing balance and what's available to you. However the Touch ID feature is too long and doesn't always work. The perk that I was offered was a free railcard which was amazing and I am very glad I have received it! So that's one of the best things about opening up a student bank account with Santander. In terms of their overdraft it should be more than £250 in my opinion. The application form and getting the card was lengthy as finding right documents and answering questions such as personal income was difficult. But overall the freebie received is the best thing about this account and is really worth banking with Santander.
22 January 2019
It's a good bank account, the overdraft policy is pretty good. Also I got a free 4 year tail card. Only issue I have is with the app, the 'amount available' includes the overdraft, so the only way to see how much you actually have is to subtract your overdraft amount from the money available, but other than that it's a decent student account
22 January 2019
Brilliant perk of a 3 year rail card which is otherwise costly but you get for free immediately, and other offers throughout which get you cash back and are always changing. Love the apps and the wallet which allows me to track spending. Always had brilliant customer service, couldn't give any faults.
22 January 2019
Very helpful customer service, a bit slow and complicated but got there in the end. Sleek mobile banking app and free railcard for 4 years offer when signing up.
22 January 2019
Good overdraft and was a free railcard when I got it, but then you graduate and you're stuck with Santander. Awful amount of fines that are not justified. I cant wait to pay off overdraft and change banks
22 January 2019
A generous no fee overdraft and a reasonable monthly interest rate its hard to go wrong. Regularly updated with new offers for your chance to get cashbook and food fashion and entertainment. User friendly app makes it easy to check your account and make transfers
charlotte gurney-read
22 January 2019
Excellent overdraft facilities, good customer service, quite a few options for cashback, poor interest rate
22 January 2019
I believe the overdraft limit is one of the highest at £1,500 which increases to £2000 once you graduate. It's a great bank account I haven't had any issues with it would recommend it to anyone. You also receive a student railcard with your account which every student needs. Additionally, you get cash back when you spend money in certain stores which is good as well
22 January 2019
really good bank, easy online accounting. never been an issue. with good APR interest rates. plus great customer service
22 January 2019
The application was good because it was easy to access and easy to log in. Sometimes the App could sometimes be a little bit glitchy and the perks could be better.
22 January 2019
The overdraft limit is very generous and this has been something so useful to me over the past 3 years. Online banking is easy to use and perks of a student railcard is available which makes a huge difference when getting train tickets and other forms of transport.
22 January 2019
i have been with Santander for several years before going to university and changing to a student 123 account it has been very good for me and that people i have interacted with have always been very helpful and nice.
22 January 2019
Great overdraft, good secured website and online banking app. Just a shame about the lack of rewards offered.
22 January 2019
Good customer service, £1500 overdraft is extremely useful. 16-25 Railcard has already saved my hundreds of pounds so highly recommend!
22 January 2019
Easy to set up and friendly staff when doing so. Receive a full pack of information about the account. Great overdraft limit for students. The mobile app is very handy to use on the go.
22 January 2019
The railcard was very useful when i signed up for the bank account. lots of things changed while i have had the account. There was also a limited amount of information on what will happen following graduation. easily swapped to a post grad account.
rashed kabir
22 January 2019
The student Santander account is great for students because you receive a free railcard that lasts during your time at university and an overdraft of up to 1800, with no interest during your time at university. The staff are reliable and helpful if you have any problems too.
22 January 2019
Customer service was good when setting up the account. Overdraft was good feature whilst being a student as means you didn't have to worry about money between loan payments
22 January 2019
The Santander Student Current account has a £1500 overdraft which is very helpful to tide you over at the end of the term. The app is especially useful as it is quick and easy to use and view your income and outgoings almost immediately. A perk I found particularly useful was the free 19-25 railcard which saved me a lot of money on train tickets community to and from university. It also saved me a large amount of money on tube fares in London, however the railcard cannot be used at peak times so will only give you a discount on train tickets during off peak times.
22 January 2019
Unfortunately I have had issues in the past with my card, however these issues have always been fixed by my local Santander brand. They are always very thorough and easy to talk to when it comes to providing solutions. I am however, not aware of any real perks asides from a railcard, which is extremely useful when you're always using it but I would feel more looked after as a customer if more perks were provided.
22 January 2019
The overdraft system is good, but I received no communication that mine was being revoked, disappointed with the customer service on this.
Rhiannon Bidwell
22 January 2019
This is a great bank account with a a great bank. After getting the overdraft I needed, I had two years to pay it off as a graduate and a further year as I was in further education (postgraduate degree). The communication is also very good and they let you know the dates of when things will change.
22 January 2019
I am mostly very happy with my bank account, the customer service and overdraft facilities are good. The free railcard is also a great perk. One of the things that needs to be improved is the app as I think it is slightly out of date compared to other banks, although it has improved. For example, it would be good if you could scan cheques into the app.
Emily Cuerden
22 January 2019
Good customer service. Paperless options available which helps when moving to and from university, also easy to send money online - helps when paying bills.
22 January 2019
It doesn't take too long to get through to customer service by phone and they always deal with my queries quickly. Their phone app is easy to use and the updates have noticeable improvements.
22 January 2019
Overall extremely happy with this service, having held a santander account for almost 3 years. The online banking service is extremely efficient, the railcard is fantastic and Santander dealt with the data breach very efficiently!
22 January 2019
Keeps my money secure and Santander are happy to help with any queries I may have. Offers a great offer for students of a 4 year 16-25 railcard which is really helpful for travelling to and from university for holidays and weekends! The banking app is really easy to use and transfers money quickly from my account.
22 January 2019
Excellent customer service. Love the cash back offers section. Only suggestion would be to have a section which showed pending payments on the mobile app.
22 January 2019
Amazing, never had a problem plus the interest rates are really good. I would recommend to anybody who is unsure where to go. The mobile banking app is very easy, quick and helpful to have on your phone and I use it most days.
22 January 2019
Great customer service, and card, with a good size overdraft and a great graduate account to follow! However, very few perks or incentives, unlike others.
22 January 2019
Great service and reasonable time to pay off overdraft after university! App is easy to use although transactions don't show immediately which would be helpful when managing money
22 January 2019
Great bank. £1500 overdraft is brilliant when at university and gives me flexibility. Always receive great customer service when calling with an issue. Got a free railcard which reduces travel costs a lot.
22 January 2019
This student bank account is one of the best out there - and the fact it came with a free railcard for 4 years is such a bonus and makes travelling so much easier! The overdraft limit is so fair and the support team couldn't be more helpful. Couldn't recommend this more!
22 January 2019
Great account for a student! I love the overdraft as it allows me to feel secure when between pay days
Kelsey Bains
22 January 2019
Great bank with great overdraft and great customer service. Easy and quick to apply. Great app for managing and checking finances.
22 January 2019
Simple to use and reliable. Mobile app can be bit slow. Good customer service and is compatible with goodle pay which helps.
22 January 2019
Great bank account! Overdraft limit is great for students as it's interest free whilst at uni and you get the same for 3 years! Also got a free railcard with mine, and the app is great for managing and checking finances!!
22 January 2019
I really like their customer service and their offers that they have for students. I have been banking with them for 3 years now and have had no issues at all.
22 January 2019
Good rewards: the incentive to join made me but interest is good and rewards are good. The app is easy to use and santander are easy to contact all over europe
22 January 2019
Santander Student Current Account has been great since I started university. The app is great; it never crashes, allows you to use thumb print to log in and clearly shows how much money you have and what you have spent it on. I was able to get a free railcard when I set it up which has really helped me financially during my time at university, making it easier for me to go home.
22 January 2019
This account has great interest rates for what it is, you're unlikely to find better anywhere else! Also they are very generous with you're overdraft. Their mobile banking app is very safe and easy to use, I was pleasantly surprised at how much use it was to me! It makes it so much easier to look at you account and transfer money and make payments quickly! Their customer service is briliant, they always have well trained staff who a friendly and happy to help you with any queries!
22 January 2019
Pretty good, the interest rates are decent for a student account, comes with nice deals attached to the account via the online mobile banking. The app is pretty convenient, a few keys and processes that are fiddly but other than that all around good. Also amazing fraud support, really quick and helpful support team at Santander.
22 January 2019
Santander 123 student account. Has it's perk along with any student bank account. Santander offer a free rail card for 3/4 year depending on legnth of study, they also offer a free over draft of upto £1500, and £2000 when you graduate, which is free to use for two years after graduation
22 January 2019
Really good overdraft amount as it was allowed to go up to £2000. Although it would have been better if there was a reminder when you went into your overdraft. Super clear and easy mobile app banking.
22 January 2019
I believe that Santander is very good. When I first signed up to my 123 Student Account I received a free railcard that gives me 1/3 off all travel, this is very useful as my university is quite far from home. Santander have been able to solve all my problems. A benefit of Santander is the app as I am able to move my money around and be able to see what I am spending my money on. The overdraft for Santander is £1500, which I think is very good and is higher than other banks.
22 January 2019
The overdraft facility is very good and you can enable notifications that alert you if you're entering your unarranged overdraft. Very good service overall, only downfall is pending payments are not shown.
22 January 2019
easy to use and accessible. multiple cards for different areas, useful contactless and online easy to use and view all accounts. payments back when spending
Tonia Mountain
22 January 2019
The Santander Bank account's best feature is without a doubt its £1500 overdraft, which has helped me out of some tough situations when my loan hadn't came in yet but my rent was due. They are always very helpful when you go into the branch (and also happy to send your new bank card when you lose it for the third time). I have attached to my student account a regular e-savers account which has given me 3% interest over the year on money deposited by standing orders. From this, at the beginning of the year I received nearly £50 in interest which was a fab bonus!
22 January 2019
Frustingly it took a nearly 3 months to get this account set up as the letters required to open the account kept being sent to my home address rather than my university address. However, the customer service team at the Edinburgh University branch were always really helpful in trying to get it sorted. I am really pleased with the four year student railcard that was complimentary with setting up the account.
Gaby Clarke
22 January 2019
I really enjoy banking with Santander and I am glad that the branches are always so easy to find around London. When I first signed up for a 1/2/3 student account as an undergraduate, I was guided through the process by Santander staff who explained everything I needed to know, and have continued to be helpful to me in the many years following, including my transfer to a 1/2/3 graduate account. I think the 1/2/3 student account is really great as it offered me a free railcard for 3 years, which I have used constantly, and a large £2500 overdraft. The mobile banking app has improved in the past year or so and I now find Santander as easy to use as ever.
22 January 2019
Santander is a great bank and great student bank account as it has an easy to use app, it is secure and the staff are always helpful
22 January 2019
The account comes with a 4 year railcard, giving a good incentive to bank with them. Furthermore, a good overdraft is provided, although fees apply. It also gives access to other Santander savings accounts, if needed.
22 January 2019
Great bank account that pays interest and had a presence on my university campus. Friendly customer service on the phone and in branch. Mobile app is good and the spending viewer allows you to easily see where your money is going each month. Good starting overdraft.
22 January 2019
The overall service is second to none - incredibly helpful, the online banking system is nice and simple to use and the overdraft option is easy to manage. Best perk you get is the 4 year rail card when you open a student account, it's a really great benefit!
22 January 2019
Ideal bank account for a student due to the yearly increasing free overdraft, user friendly and functional mobile banking app as well as the free Railcard for cheaper travel. Even customer service has been super helpful any time I've had to use it.
22 January 2019
Costumer service is not the best as I wasn't told about student offers such as getting a railcard once signed up for a student account. Also haven't been informed when I my local bank was closed down.
jade shilling
22 January 2019
amazing service, my overdraft has been extended seceral times when needed, the bank have great communication and the free rail card was a life saver. Very easy app to use abd sinole banking for students
22 January 2019
Very good customer service and the overdraft scheme is one of the best I've seen. The railcard I was given for jointing was incredibly useful.
22 January 2019
I have had no problems with Santander. Their overdraft limit has been really helpful to me as a student. The railcard I have as a reward for opening a student account has come in really handy.
22 January 2019
I have had no problems with Santander. They have a very generous overdraft, that increases in your final year which was very helpful for me. I am not sure of their policy but I think that your overdraft lasts for two years after you finish your degree, which I think is a suitable time to pay it back. Every student who applies for the student account gets a free railcard, which is a massive perk and a reason why all students should consider Santander when applying for a student bank account. The app is very simple to use, the only thing that I would change is having a username rather than a number for your log in, as it can be very difficult to log in if you don't have your information written down somewhere.
22 January 2019
This account gives me a larger overdraft which has come in very handy for my student finances. The bank has many chains nearby so it i ever have any problems its easy for me to go in and ask about it. I have also managed to lose my card a few times, and each time it has been super easy to get another one sent to me within 5 days.
22 January 2019
Good bank account offering overdraft and paying interest on your balance. Also got a free 16-25 railcard, which saves 1/3 off train tickets. The app is good, but not up to the standard of newer banks such as Monzo or Starling, but makes a great main account
22 January 2019
When I've had to get in contact with the bank before, the customer service has been fantastic. They've helped me with every problem I've had as well as being very professional and friendly. It never takes long to contact them on phone and if I ever visit branch, there is always someone around meaning I don't have to wait long. The over draft with the 123 student account increases with every term I am at university until £1500 which is so helpful.
22 January 2019
Good overdraft and mobile banking app but takes ages to get through to customer service on the phone. Got scammed once and they were very good at spotting it and stopping it in the tracks, however I was then left without a debit card for a month and no one told me I could have just moved my money to a separate account and used that!
22 January 2019
Perfect for students! -0% interest Overdraft -Mobile banking app is super easy to use, and transfer money to another person or between accounts -Joined as I use the train a lot, so the incentive of a 3 year FREE railcard sold me! -Haven't needed to use the customer service yet so can't comment on how well they handle situations
22 January 2019
Very good student account, has an overdraft of £1500. Then when you graduate it gets upgraded by a further £500. The mobile app is also very easy to use. Another perk is that with this account you get a national rail railcard. This gets you 33% of train prices.
22 January 2019
No problem with Santander bank account as a student. Easy to transfer from existing account when starting at university. Railcard is really great bonus, must of saved me a fortune over the 3 years I've had it so far. App makes for really easy access. Opt in emails are also helpful. Staff always polite and informative whenever been into branch. Had the account transferred to post graduate after which also has good arranged overdraft. Only problem is the retailer offers aren't particularly great, but not a major perk
Zoe Jackson
22 January 2019
As soon as money leaves ur account, it isnt shown how much u have left. Tend to go into overdraft because it only shows balance once money has been taken out not once spent
22 January 2019
Very good service from this provider, far easier to use than previous banking services that I have used, display easy and good overdraft if need be
22 January 2019
Perfect account, love that I got free railcard. Only drawback is not seeing how much is actually available like you can after spending with other banks.
22 January 2019
Quick and easy online banking service, fast payments and bank transfers, very reasonable overdraft at £1.5k
22 January 2019
Excellent customer service, helped me recover money when my paypal was hacked, always friendly and polite. One slight issue is that Sainsbury's sometimes seems to have an issue reading the card
22 January 2019
Perks are good and overdraft rate is good, however takes a few days to update balance which can be a problem
22 January 2019
Very good customer service. Every time I have needed help either in branch or on the telephone staff have been very helpful. Mobile banking app is really useful and easy to use. Also, having the railcard that comes with it is a massive bonus!
22 January 2019
Overdraft is very helpful, especially when large sums of money are needed I.e house deposits and overspending in general. The free rail card is the biggest selling point and has saved me a lot of money on my journeys to and from home. The online banking apps are easy to use and the retailer cashback perk is a bonus. Santander has great customer service and I've been a customer for about 8 years now.
Bonicle Cannon
22 January 2019
The overdraft is brilliant, as is the railcard. But the app isn't amazing. Would be good if there was an opportunity to get cash out without a card, through the app, like natwest offers.
22 January 2019
The bank is easy to use and staff are friendly. The overdraft was handy when My rent came out before student finance came in. There was also a free railcard when I signed up which was pretty good.
22 January 2019
Im absolutely satisfied. Great. Customer service is the best. I usually use mobile banking app - works great. Highly reccommend.
22 January 2019
Staff are helpful with queries, however seemingly basic. Free four year railcard is a huge bonus -- essential as a student! Which is why I chose it to be honest. App is easy to use
22 January 2019
The overdraft is less than with other banks, but still at 0% interest. You get cashback offers for different retailers/restaurants. There is also cashback given for having money in your account. I think I was misled about this because I was told it would be more than it actually it per month (told it was 1-3% But what I receive doesn't add up) the best part about the account for me is the free 4 year rail card. I was buying railcard anyway but with my current one, I know that my savings will be hundreds of pounds on the 4 years. Mobile banking doesn't show pending transactions which isn't very good.
22 January 2019
Good overdraft management. They have a generous overdraft and are approachable when asking to change. Also very happy with the graduate accounts they have too meaning i don't have to pay my overdraft back as soon as i graduate
22 January 2019
Customer service were really helpful when I lost my card and was able to contact hem easily to get a replacement. The mobile banking app is good quality - I find it easy to use, easy to access all my accounts and go between them easily, and to transfer money easily. The security for the app is also excellent
22 January 2019
The student account is great. The perks are really good with a large overdraft and a railcard. The mobile app is really easy to use but the only issue is it doesn't show pending transactions.
22 January 2019
The overdraft is really fair and reasonable - you gan have a fee-free overdraft of up to £1500 in your first year at uni. Studying away from home means that the perk of a free 16-25 railcard is really useful as every time I buy a train ticket I get 1/3 discount! The mobile app and online banking are really user friendly too.
22 January 2019
I have been with Santander for many years, and it has always been a very reliable banking service. The online banking system they offer is very efficient, as well as the application available to download. When setting up my Student bank account, I was offered a free 16-25 railcard which was very beneficial and useful!
22 January 2019
Really helpful in branch and on the phone. However their machines keep eating my cheques and cash. Its not helpful that outside of the cities all their branches are closing down as its impossible to cash a cheque till I get back to the city.
22 January 2019
Helpful service, sufficient overdraft and very secure online banking, mobile banking is fairly easy and simple to use
22 January 2019
Amazing overdraft rate and interest and was all very easily explained when I received the card, the mobile banking app was so user-friendly and it only needed my student loan going in and the perk of the rail card was amazing! Went in store recently to see what happens when I graduate and the staff were fantastic and really helped me out so have to recommend them highly!
22 January 2019
the railcard was very useful giving me amazing discounts across all Trainline travel. The overdraft of 1500 really helped me through my university years and the ease of a contactless card was immaculate.
22 January 2019
Have had this account for many years. It is really good quality, have never had any issues with it. Every time I have visited in store the staff have been useful and friendly. The account has really good interest, and the discount offers are an added bonus.
22 January 2019
Easy and simple to use app which clearly details your transactions with cashback offers. The free 3 year 16-25 railcard is the best perk to have as it saves me a lot of money as ivtravel by train frequently. Definitely recommend Santander student account
22 January 2019
Great service. Lost my card about ten times and always handled swiftly. Up front with fees and let you know if you go over your overdraft.
22 January 2019
Customer service is always good in store and they always get back to you quickly online when you have a query. Perks I enjoy are interest back every month, overdraft limit, free railcard, and the offers with retailers.
22 January 2019
A great account with a very reasonable interest rate! There is a big overdraft with no fees, which is very handy as a student, and the free 16-25 railcard is a must for anyone travelling around the UK - it makes so much difference to train fairs! I also enjoy using the mobile banking app. It is clear and easy to use, and makes everything very convenient.
22 January 2019
Santander's student account is probably the best bank for students. If you're planning to move away, they provide the best perk: a free student rail cars. This is good as train tickets are quite expensive especially if you're moving far.
22 January 2019
Pretty good and simple for people like me who don't know really what we're doing. The overdraft is perfect size and the interest on payments are pretty low. The mobile app is brilliant and easy to navigate.
22 January 2019
So helpful over the phone and in branch! Large overdraft that really helps when at uni and reminders of your spending on the app and via text.
22 January 2019
The 123 Student Current Account is is great, the overdraft is really helpful when money is low and the account is easy to use. The customer service is wonderful. Whenever there is an issue the helpline has been extremely useful and the staff both in store and on the phones are incredibly helpful.
22 January 2019
Bank account is very good for students, 1500 pound interest free overdraft just don't go over because the fees are a lot
22 January 2019
I love my account! Firstly, the perks suited me really well. The free railcard is great so I can visit my friends who study in uni's outside the city. Also the overdraft limit is very fair and enough for me - because I knew I was definitely going to go in to it. The mobile app has improved over the last 3 years and is very easy to use and safe. It's easy to transfer money to different accounts. There are some things that can't be done on mobile app and only online such as letting the bank know when you are going on holiday and may be using your card abroad. But this is pretty useful because it just makes the process safer because of international fraud that could happen.
Sophie Ellis
22 January 2019
The perk of the railcard is excellent, saves me so much money when getting the train to and from uni! The app is also a very good benefit of the account, always works efficiently and transfers go through very quick and easy. The extended over-draft after 3 years of having the account is also an important aspect of the account.
Amber Brettle
22 January 2019
Lovely people and great account this was exactly what I needed for my student needs. Always welcomed when in branch and easy to use app on the go when I need to check my balances as well as transfer money to other accounts. I would recommend this 123 account
22 January 2019
I have a graduate account which means I don't have to pay a monthly fee but my interest received is lower therefore I'm thinking of moving some of my balance into another account. To have a normal account o must make 2 debit payments however as I live at home and don't have much expenditure this isn't possible. The cashback offers are good but it's annoying that you have to select the ones you want
22 January 2019
The account is easy to use and simply explained its very helpful having the banking app and spendlytics to break down exactly what you spend to keep an eye on your finances. The overdraft is a decent size and allows some flexibility on payments especially if a loan payment hasn't come in before rent goes out! The incentive of the 16-24 railcard included with the account is useful for getting discounts on trips if you use trains often.
22 January 2019
Overdraft up to 2000 which is perfect for the student that lives in non-student specific accommodation. Easy customer service and online banking. Mobile phone app is easy to use.
22 January 2019
Easy to use online banking and good communication with the bank. No problems whatsoever with any parts or the websites and the staff are great at solving any problems you may have
22 January 2019
Love that they offer a free overdraft, which increased with my year of study. The customer service has been excellent both over the phone and in store. Online downfall is that the app could be better!
22 January 2019
Great bank! Good no fee overdraft! And gives you interest on money you have in the account! This bank has great customer service and I would recommend it to anyway! They give you a free rail card 16-25 which saves you thirty percent!
22 January 2019
Really great with their overdraft and the free travel card is the main reason I went with Santander and it was very useful! The app is really great to use too, better than others that I have encountered
22 January 2019
Good. Update the app quickly. Look after my account well. Think the student account that they offer is a very good idea and has good perks too. Would definitely recommend them
22 January 2019
Being thrust into student life can be stressful and challenging. But with the help of a simple and easy to use student bank account, Santander has made the transition to independence and university life much easier. Customer service are helpful and can help you with any issue you may need sorted. The free overdraft on the account is a student's saviour and the ability to track your outgoings and income on the mobile app, helps for budgeting. Overall the best account a student could ask for!
22 January 2019
Santander provides a fast, safe and reliable service. In addition there are several local branches in my location.
22 January 2019
I am able to see my spending easily using the mobile banking app. There are many stores across the UK and at my university, so this makes it easy to pick up any cards if I order a new one. The bank is efficient and professional from my experience. I have not experienced any issues with them.
22 January 2019
Helpful customer service both online and I store. Great perks (railcard and mid-sized overdraft). Can use card abroad with no issues and only small exchange rate fee for spending in foreign currency. App is very useful (although showing pending transactions would be the only improvement I can offer!)
22 January 2019
The card was really easy to set up, and I got a free railcard for the entire time at uni which has been incredibly useful and an overdraft of 1,500 which has also been incredibly needed. I have not had any issues at all with Santander but all the staff at the Doncaster branch were welcoming and helpful when first setting up the account. They also helped me switch all my direct debits and other stuff over from my old account and this was done quickly and with no issues.
22 January 2019
Santander provides a good overdraft balance and their online banking app is easy to use and doesn't require physical card readers that other banks require
22 January 2019
Good app, I use it most days. However transactions are slow to appear on my statement. Overdraft is very useful for delayed student finance payments.
22 January 2019
Very good as very good overdraft very good very good Good customer service Good security Always willing to help Easy to use Good app
22 January 2019
Super easy to use. I had never set up a bank account before so had a lot of questions. The customer service was fantastic, they were patient and understanding and answered all my questions in a way I could understand. As well as calling, they had a really helpful online chat, where they talked me through how to set everything up. I also love the banking app, it's easy to keep track of my finances and pay people .
22 January 2019
£1500 over draft and a free rail card - comes with the best perks. Always nice to know that you have an over draft there just in case you need it - and the rail card is awesome for when you want to go and see your pals who are at other unis
22 January 2019
really good overdraft system for a student and offer a 16-25 railcard when you sign up which has saved me a lot of money
22 January 2019
Interest free overdraft, great customer service. Cash back opportunities from certain retailers is brilliant
22 January 2019
Really usable and such great offers. Never had a problem with them and always very quick in replacing my list cards. Overdraft is also very handy when I'm broke.
22 January 2019
Overdraft for student account is efficient, while the banking app makes my balance easy to access. Have never had issues with customer service, great perk of a railcard when signing up.
22 January 2019
They have an amazing savings account - 5% interest and even their current account has up to 3% interest. The free rail card is also a big plus. Am very satisfied!
22 January 2019
App is very easy to log into and to navigate around . The interest rate is very good and the option for Santander to text you when you are below a certain amount is very useful. The cashback perks they have I have enjoyed using and the wide range of shops and restaurants involved is very good. Although I do wish they would notify me via the app as to whne they have introduced new cashback opportunities; and perhaps a choice of activating the cash back would be useful as sometimes I have accidently clicked on one and it is automatically activated. Other then that a very good app
20 January 2019
Excellent customer service. Main benefits whilst at University would be utilsing the discount available on train tickets. This helped myself manage of weekly budget efficiently. If times were hard I always had the safety net of my overdraft too which could be altered at any stage.
19 January 2019
The customer service with them is great, they're always really open about the best way for you to store your money! Having a student railcard has saved me at least £150 over the 2 years I've been with them, would recommend so much!
18 January 2019
Service is always good, large overdraft but that's not always the best. The mobile app is ok, but takes a while for purchases to load and doesn't show pending
18 January 2019
Banking is very simple and useful. Only negative is that I have not received many perks by choosing to bank with this company.
17 January 2019
This account is good because it gives you a good overdraft for added peace of mind, but the mobile and internet banking side of things isn't so good. The app doesn't allow you to see any 'pending' transactions, and the transactions won't appear in your account for a few days anyway. Other banking apps such as Lloyds will allow you to see what you ACTUALLY have in your account following pending transactions that have not been processed yet.
17 January 2019
£1/month, international account, very good online services, easy to transfer and receive money, banks available in convenient locations.
17 January 2019
Quick and reliabe transacions. Never once did a problem occur when transactions are going in and out of my current account. Emails are clear and i have had no problem understanding what is meant by a specific email or text concerning my current account. The mobile app is sensational; quick and easy access: rarely any lags or glitches.
17 January 2019
The current account is very similar to other student accounts but I received a three year railcard for free by using Santander and I would totally recommend this. Their online interface isn't the best but its very usable and the app is easy to use.
17 January 2019
The overdraft is truly brilliant for a student, as many of us are away from home and self-sufficient for the first time. Customer service is always brilliant, helping with any issues I have. As well as great advice opening a joint savings account with my fiancée.
17 January 2019
I needed a new bank account after my natwest account would not offer me an overdraft even though I had plenty of money in my account. Looked around a few banks but Santander was in the end the best suit for me after reading reviews and talking with Santander staff
17 January 2019
I think the mobile app is really clear to use and to make payments without having to go to the bank. As a mature student who worked before choosing my course I was able to save money before coming to university. So I only needed a student account for the overdraft in my final year however this means I only get the overdraft as if it's my first year where as it would have been helpful for me to have the raised amount that people get for third year.
16 January 2019
I have always received great customer service from Santander, whether it would be to cancel a direct debit, my debit card or change any of the details linked to my account. I would highly recommend them!
16 January 2019
Santander are a great bank to have as a student as they provide a large overdraft, great customer service, cashback at loads of popular retailers and a free railcard!!
16 January 2019
Great online banking and customer service. Free 4 year 16-25 Railcard when creating a student account, plus great overdraft facility.
16 January 2019
Overall good banking company who look at for students with a flexible overdraft and a rail card for students who join and sign up for a student bank account
Christina Simpson
16 January 2019
When I first joined Santander, the people were lovely and answered every question I had fully. The perk that I got was a 3 year 16-25 travelcard whichh gives me 30% off train prices. It's such good value and I have appreciated it so much! I don't regret going with Santander as my student account!
15 January 2019
Very easy to set up in one of the Santander branches, everything was explained in simple terms understandable to anyone. The perk of a free 4 year railcard was amazing and has helped a lot with reducing the cost of train travel between university and home. I haven't fully utilised the overdraft limit of £1500 as I don't want to be in debt but I know this can help struggling students a lot. My only criticism was that I cut down my overdraft limit twice as I didn't want to use it and it was automatically put back up to £1500 without me knowing so I had to phone up and get it changed which luckily wasn't difficult at all.
15 January 2019
The mobile banking app is easy to use to send money and have easy access to your transactions. I have a free overdraft which is really helpful for university life.
15 January 2019
Santander has been an amazing bank to be with whilst being a student. They sort out any issue promptly which is always handy being a poor student, and staff in branch or over the phone are always lovely to talk to and more than happy to have a chat about your day of you have to wait. The only issue i have ever had is that sometimes the online website doesn't always work how you want i to, and a few things I've changed on the website in the past, I've had to go into a branch to do as the request hadn't worked. Overall, i cant fault Santander during my uni experience.
14 January 2019
Brilliant having a £1500 overdraft however they did cut it down to £200 which was very annoying. The student railcard was really helpful
14 January 2019
Used the Santander account since starting university since 2015. The staff have always been helpful when I've had issues and setting it up was very easy. The Apps available are very usefull for monitoring my spending and keeping on sop of the student budget. Cashback benefits for certain companies are always welcome and I will continue to use them when available and applicable. On the other hand I would love to have a little more interest on the money that I have in the account as this is currently very low. I will probably continue to bank with Santander after university following my past experience over the last few years with them.
14 January 2019
Customer service is excellent and whenever I have a problem it can always be solved on the phone and I also have a savings account with them which is easily accessible through the app.
14 January 2019
The rail card is a really good freebie, the rate of interest is rubbish, The free large overdraft is helpful for paying rent Could do a wider range of student related freebies?
13 January 2019
Very easy to set up, good customer service and easy on the phone. Favourite aspect is the railcard that I've used so many times!
13 January 2019
I love banking with Santander mainly because of their customer service. They are extremely efficient when it comes to solving problems and bringing solutions. The mobile banking app is extremely easy to use and navigate. There are many perks such as the railcard that gives you discount as a student and an increased overdraft.
13 January 2019
Great service provided to me and the overdraft with free interest has helped enormously throughout my time at university.
13 January 2019
Mobile banking is really easy (no need a separate card reader), great perks (overdraft, free railcard), Santander Wallett app allows you to track spending by categories - no complaints from me!
13 January 2019
Really disappointing. My debit card was not working properly. All my transactions were declined. I went to the branch in the University, and the customer service was really bad. He treated my case really quickly and with not too much effort. After that I got a new one
13 January 2019
Santander student account is great, not only do you get a really big and decent overdraft, the perk of getting a railcard for your time in University really helps with travelling expenses. It's helped me be able to go home more frequently and cheaply even though i'm 4 hours away from home
Buauna Ball
12 January 2019
Easy to set up as I was already with Santander. The student overdraft has been massively helpful as well. I also received a Santander railcard which I have used way more than I expected and have probably saved over £150 with it on the relatively small amount of train journeys I've made so it is definitely well worth the sign up!!
Charlotte Gray
12 January 2019
Very good student account. I switched from lloyds as I wanted more from my student and savings account. The overdraft limit is £1500 as soon as you open it whereas I only had £500 with Lloyds. Another positive of this account is that you got a good interest rate too. Only downfall is the online banking/app weren't as good and user friendly as Lloyds.
12 January 2019
Santander always have such helpful staff when I have ever needed help with my account or transfers. I recently studied in China and they were very helpful in helping me understand how to still use my bank and the charges I may encounter. The overdraft is also very helpful especially days before student loan or my wages are paid, so you can still buy knowing you're not charged interest. The online banking is also super useful and easy to use!
12 January 2019
Love the fact I have been able to have access to an overdraft as a student. The mobile banking app is great- perhaps Santander could introduce the idea of freezing a lost card on the app too? Customer service overall good! Perks include the free railcard; however, more incentives such as 2 for 1 cinema tickets etc. could be introduced!
12 January 2019
Santander student account is great for any student who needs any sort of help. Even if it's something if it's just trouble setting up a direct debit to your landlord or losing your card. Plus the rail card is safe you loads if you live far away and can't afford a car.
12 January 2019
I changed my bank account to Santander as the student account they provided is the best around! The free 3 year railcard you get with the account is an added bonus! Also the cash back offers are another bonus! These are updated frequently so you can experience different offers. The overdraft facility is also something I have found great as my previous bank I had to explain my spending with them but Santander understand unexpected payments need to be made and this can be easily done! Highly recommend.
12 January 2019
The overall service at the banks has been really god and the overdraft plus an extra year makes it worry free for students. Also we're really helpful when wanting to set up a savings account
11 January 2019
It's really easy to set up and the overdraft increases after you put £500 in which came in handy a lot!
11 January 2019
Couldn't ask for a better bank account. Very easy to use - especially mobile banking facilities. Very flexible. Large overdraft.
11 January 2019
Would really recommend this account to other students for several reasons. Firstly, you get a free rail card, this comes in very handy for trips to uni and back home. It saves me so much money in the long run. With this account you are also able to extend your overdraft if needed, this is very useful when rent has to be paid before student finance enters your account. You also get cashback when you shop at certain retailers. You simply have to turn on retailer offers in your app. Good interest rate aswell.
11 January 2019
Such a good bank account, online banking is easy to use but still secure, retailer offers are a bonus.
11 January 2019
Considerable interest-free over draft which was useful throughout university and 2 years after. Good online app.
11 January 2019
The mobile banking app is easy to use, never had any problems with it. It's even better now that I can log in with my thumbprint - it feels more secure. I really enjoy the access to good cash back offers - I've enjoyed money of Five Guys and Starbucks so many times! I was locked out of my mobile banking at one point due to issues with my password, so I gave Santander a call and their customer service was great. The person I spoke to was lovely and friendly, and they resolved my issue in now time. The free overdraft is good but not something I use - I'm trying to stick to good habits and manager my money well.
11 January 2019
Customer service is good. There is no alert for an overdraft so it can go unnoticed but the banking app is especially useful to see what is going in and out of the account.
11 January 2019
This is a excellent bank. I was offered a free railcard which has saved me money on train fair. I was offered a overdraft which has comein handy when funds have been low. The website is very easy to use and the application process was simple. I would recommend this bank to new students
11 January 2019
Really really good, helpful. Always very understanding when I go into branch or call. Helped me set up mu student account and wet through everything step by step with me
11 January 2019
I'm really pleased with my banking. The overdraft is very generous as well as the interest rates. Furthermore, I regularly use my free railcard from santander. The mobile banking app is extremely easy to navigate and it's very easy to keep track of my finances.
11 January 2019
Excellent mobile banking. Great overdraft. Easy access. No hassle. Santander have always been great to bank with. No concerns ever with them. Even now with my graduate account.
11 January 2019
The staff are friendly and patient, the mobile banking app is easy to use and very helpful. The staff helped me sign up for the mobile banking app and were very clear explaining what the terms and conditions. When I needed to change over from everyday bank account to a 123 student account they were very helpful and helped me get it sorted in a short period of time without any issues.
11 January 2019
Santander were great for me. They helped me set up my account straight away and treat me like an adult, which as a student you don't always find. Since having the account they have always warned me when I am close to my limit, when large amounts have gone out of my account and more excitingly when large amounts go in. I have never been on the phone too long with them and they have helped in every way they can. The only downside is at the beginning I couldn't get access onto my online account and my code for my railcard expired so i didn't get a free rail card. But i prefer driving so that is okay.
11 January 2019
Getting a 4-year 16-25 railcard as well as a £1500 interest-free overdraft has really helped me out whilst at uni. Would definitely recommend this one!
11 January 2019
Easy to use app with retailer offer perks to claim cash back on your purchases. Also the 4 year railcard is a big incentive and help to any student across the UK.
11 January 2019
It was great to get a free 16-25 railcard that lasted 3 years. Santander haven't advertised an app so I'm not aware of it. They should improve it.
11 January 2019
Nothing bad about this. Reasonable interest, decent overdraft and came with a free railcard - ideal. Also the app is really easy to use and they seem to have quite a lot of branches in easy-to-reach places.
11 January 2019
The Santander Student Current Account is overall great. The customer service is always very helpful, whether contacted thourgh the phone or by going to their branch. Appointments are easy to make and there are usually not too long waiting times. One of the biggest advantages of the account is offering a free railcard for students. However, unfortunately that does not apply to me as I am an EU student and cannot benefit from it. Another useful thing they offer is saving account, which are easy to open and also do not involve major risk upon closing. Relating to overdraft, I am aware that it is offered, but I personally did not opt for it, so I cannot coment of it further. The biggest downside to opening an account is that a fee must be paid monthly for your account, which is not great for students. However, the fee droped to 1 pound recently, so it it not so much a problem anymore.
11 January 2019
Overall very happen with the service, apart from not yet receiving the rail card they said they would email to me.
11 January 2019
Free 16-25 3 year railcard, great interest free overdraft, an easy to use app and good interest and cashback rates all compiled into this student account make it perfect for any student.
11 January 2019
Perks include free railcard and £1500 overdraft.Banking app is simple to use. Customer service could be improved, often hard to get through to the company over the phone.
11 January 2019
Easy to use mobile banking app and I could clearly see when money went in and out of my account. I liked being able to pick which account I could take money from and having the overdraft has really helped
11 January 2019
The over draft limit is great. The free 4 year railcard is amazing. The apps are pretty good but not quite on par with banks like Monzo.
11 January 2019
Such a great student bank account with a good interest and a free 16-25 rail card too- what could be better!
11 January 2019
Great overdraft, mobile banking app and cashback offers. The free student railcard is an absolute winner alone, but the account itself and the service are brilliant. Haven't had to speak to customer service myself yet, so cannot comment on that.
11 January 2019
Santander has been a great bank account to have throughout university. The account gave me a 4 year railcard meaning I could save so much money when travelling to and from uni to visit family and also during my placement search. The accounts have a good overdraft that has come in useful especially when I need to pay rent before the student loan comes in! The app is quick, easy and simple to use and means I can make payments wherever I need to.
11 January 2019
Amazing and easy-to-use. You automatically go onto a graduate account after your student account with much of the same perks. I have never used my overdraft but to know there is much in case I ever find myself in an emergency is reassuring. Santander is an easy-to-use bank and I do most of my transactions and checking online.
11 January 2019
The £1500 over draft has come in very very handy. The fact that I get a free rail card has also saved me so much money. Very happy with customer service.
Georgiana Prior
11 January 2019
I got the account for the free 16-25 travel card which is great for me since I travel on trains often. My overdraft is great and really helpful for when cash is short. The online banking is really easy to use.
11 January 2019
In comparison to other banks Santander's overdraft is very good. But their customer service and other perks let them down when compared to other banks I have accounts with. I have often been given the wrong information by staff members resulting in irreversible changes to my account and incorrect changes have been made to my account. Their cashback scheme doesn't include places where the average person doesn't shop. Their mobile app is good but their online banking services need some updating in my opinion to match the quality of their mobile app.
10 January 2019
Santander's student account is a must have. The overdraft offer is great for first timers, easy to track your spending on the app and your limit. You get at least a year after graduating to pay it back interest free, for those doing masters straight away you also get another year or 2 as a student account plus you get a free student rail card in for your undergraduate study which is very handy if you're planning to move outside of your city!
10 January 2019
Easy bank account to sign up to. Perfect offer if you are traveling back a lot as you ge the rail card.
10 January 2019
Santander provide very good customer service, the app is very easy to use and you can do nearly everything on it.
10 January 2019
Signed up with Santander due to the free railcard and have saved a great amount! Very happy with this saving. The overdraft amount is also great being a student as this increases during your time with the bank.
10 January 2019
It is really good that you get your 3 year railcard with the card and the overdraft limit is also good. However the app is rather and somewhat confusing especially when transferring money- but you soon get used to it. The app is very secure sending you one off codes when transferring money to ensure that no one else can transfer money. I have had no issues with customer service and everyone seems helpful.
10 January 2019
They will cancel your overdraft if you divert your student loan payment to another account, even once.
10 January 2019
Good overdraft and pretty easy online banking. They haven't failed me yet! Free railcard is super helpful for trips home and otherwise, saving 1/3 on train tickets.
10 January 2019
Quick and easy to sign up for a student account, with the availability of an overdraft. Mobile app is quick and easy to use, as well as adding your card to your mobile wallet for quick payments
10 January 2019
I find the account to be great in covering everything I could need from a student account. The fee free overdraft really helps me some months in covering rent before my next pay comes in and ensuring I always have funds to buy essentials. The 123 world customer deals are also very useful.
10 January 2019
The customer service at Santander is superb. I always feel comfortable when I go for meetings to talk about my bank account. And the app is very user friendly and simple to use. Also have access to perks which enables users to receive discount from different stores.
10 January 2019
The account is alright, no fees and the customer service was always helpful. The only downside so when using the card aborad there's an extra tax for foreign currency.
9 January 2019
Overdraft limit is a good amount to help pay for rents when are out of sync with student loans, but not too large to get yourself into serious debt. The interest is good on the account, and receiving a railcard when opening has saved me £100's over the last 3 years.
9 January 2019
The Santander student account is good for several reasons, and not so good for others. Firstly, the flexibility of withdrawing and adding in money is good. This is exactly what a student needs as there might be an urgency in which only cash can be used. Secondly, the option of an overdraft is also good. I personally have set my overdraft limit to £0 as I do not wish to have an overdraft as this encourages me to stay above £0 in my account. Lastly, the 16-25 railcard is the best thing about the Santander student current account as train tickets are pricey. However, I believe they are not so good, as apart from the 16-25 railcard, there are no other perks with being with Santander over other banks.
9 January 2019
Firstly, being able to get the Student 16-25 railcard has been a huge benefit for me as travelling to and from home has been a lot cheaper than it would have been. It has saved me a lot of money so far and will do so in the future. Quality of the online banking app is great and it's easy for me to check my balance etc.
9 January 2019
The mobile banking app is very secure and easy to use. As well as this if I have had any issues I feel as though customer services have been very useful.
9 January 2019
Santander is a great bank account with or without the student perks. They have very good customer service and have always been quick to resolve any problems. They offer a free railcard to students which is also great. The app is good although could do with some minor bug fixes to the offers page.
9 January 2019
The overdraft limit is amazing, the most i've seen a bank offer. However the perks are limited, the railcard is good but i've seen other bank offer a lot more. I also think they should incorporate the temporary card freeze option that barclays have
9 January 2019
Santander provides a very good bank account for all students looking. £50 a month does need to go into your bank, but that is possible if you work or take some out and then put it in again. The railcard is the main perk of the bank and one of the best since you get money off train tickets meaning it is cheaper to go places with it. The mobile banking app is simple and easy to access yourself.
9 January 2019
Never had any problems with my bank account, and was very easy to set up. Easily allows for transfers, payments, checking my account etc. Help on the website is also relatively easy. Joined when there was the offer to get a free student railcard.
9 January 2019
I got a free 4 year 16-25 railcard, and when somebody got hold of my bank details they contacted me within 3 minutes of the fraudulent transaction so I didn't lose any money.
9 January 2019
Brilliant mobile app, very easy to view balance and make payments, also feels secure. With my bank account I received a free 16-25 railcard which is valid for 3 years, so is Worth about £90. I use this all the time since I travel by train very often, so I have saved loads of money. It gets you a third off all rail fares, which is very substantial if you are travelling anywhere far, since train fairs are so expensive. I save £5-10 every time I travel to London.
Millie Cupit
9 January 2019
amazing and easy to set up as well as control with the app the over draft is large but doesn't have to be as the women offered me to set my own but i chose the max incase my loan didn't come in time. whilst being with them i changed my number and it was easy to change with the bank, safe as when you transfer money it text you a security to clarify you are wanting to pay. you get a free rail card with the account and that saves us students alot of money especially when we want to go home
9 January 2019
The interest rate earned on savings is really good, and as its paid regularly rather than annually its really helps to motivate you to save
9 January 2019
- Easy to use app so you can check you account on the go and make transactions. - Free student railcard giving you a 1/3 off train tickets. - Brilliant customer service which helped when I encountered issues with my account when studying abroad.
9 January 2019
The main reason I opened an account with them was because of their student rail card offer. Great app, which has a simple but effective layout. Although I mainly shop at Aldi, I do look at the cash back offers, which does not tend to include the big shops, but can include Spar. Never had to phone. Never had to complain.
9 January 2019
Great amount of overdraft and so helpful to have a railcard included. Suited perfectly for students. Mobile banking app is clear and easy to use.
Lauren Moss
9 January 2019
The lady who helped me set the account up was really friendly and made sure I had all the information I needed to make the right decision, and I have currently had no problems with any aspect of my account. The overdraft is large enough for me and I have never once had to go into it, the only proviso for this account was that I needed to put £500 into it per semester and given that my student loan goes into this account it was no trouble. The perks of this account are great, I especially appreciated the free 4-year rail card, which significantly reduces the cost of my train fare whenever I want to go home. The mobile banking app is really easy to use and it is so easy to transfer money between my own accounts and other people's accounts. Overall I can say that I would definitely recommend this account for any student.
9 January 2019
I always find this bank easy to use but also very supportive to customers! They give an amazing offer to students by offering a railcard for 4 years but also an overdraft which is useful and easy to repay.
9 January 2019
Customer services are always there when you need them and have solves my issues in a swift manner everytime I needed them. The movile Banking app is simple yet perfect for Any use. You also get to get cashback on selected stores everytime you pay with your card.
9 January 2019
Good customer service and easy to use online banking app. The mobile banking app is easy to use and shows you what's going in and out of your account and therefore is easy to manage your money.
9 January 2019
I was offered a free railcard when I got my account, as well as a flexible overdraft that increases every year. Although not great, the interest isn't bad.
Jillianne Bent
9 January 2019
The advisers were very helpful. The chance to higher or lower your overdraft was easy to do and as a student it's sometimes hard to budget and you might need to extra money. So having an over draft is very beneficial
9 January 2019
Excellent service overall, although I don't use the overdraft or mobile banking facilities, of the areas in which I have used the account I have been very pleased. The railcard is an added bonus.
Annie Jackson
9 January 2019
Brilliant overdraft facility and easy and quick use online and mobile banking. Perks include a 4 yer 16-24 railcard which is very helpful for students travelling home all over the country. Furthermore staff are very friendly and show you how to make the best of your account, great customer service as it is fast and friendly.
9 January 2019
Great overdraft offer for students plus super easy to manage account and see balance using the app, don't use cash anymore, only my contactless card. Got a free 4-year railcard too!
9 January 2019
Very easy to use bank account which provides a lot of extras such as guidance on using the overdraft, easy features on the online banking app which mean that it is simple to transfer money across. It is very secure and sends a text to confirm the set up of a new contact. I also received a rail card when I opened my account.
9 January 2019
Really good bank account with decent perks! Good overdraft and no fuss change over to graduate account where you can keep your free overdraft. Really enjoyed the free rail card as a perk. App could be slightly better and show outstanding payments that are due to come out (I know some banks have a pending feature)!
Eleanor Clowes
9 January 2019
Excellent bank that has great customer service and very good overdraft facilities. The app for android users could be improved greatly however, it was good on iPhone but myself and friends who have moved over to Android have found the app unusable at times.
8 January 2019
Great. very responsive to any help needed. option of a fee free ooverdraft is very handy between loan payments
8 January 2019
A really good bank account, particularly for students. The overdraft flexibility has helped me out numerous times where rent has been taken out before student loans have dropped. The app is very easy to use and allows you transfer money, not only with ease but, securely.
8 January 2019
Would not be able to cover my rent without the over draft available on this account, the only downfall of the online app is that pending transactions are not shown which would be useful. The free railcard available when I opened the account was useful for visiting friends at other universities
8 January 2019
Really Good deal when setting up student bank account, this was the reason I chose Santander. customer service excellent when I was setting up the account in branch. app no so good as takes while to update which can be frustrating. Don't use my overdraft
8 January 2019
Really easy to set up online and lasts for the whole of my time at university. The overdraft facility was really convenient and getting a free railcard for the time I'm studying is really useful for travelling home and to see friends. The mobile app could be easier to navigate.
8 January 2019
The bank account was really easy to set up online and lasts for the whole of my time at university which is really useful. The overdraft is really convenient and getting a free rail card for the whole duration of study is good for travelling home and to visit friends. Mobile banking is good but could be easier to navigate.
8 January 2019
Ever since I have started using the Santander 123 Student Bank Account in my first year of university I have loved it, finding it easy to set up and use every day. I am constantly using the mobile app to check how much money I have, set up standing orders for my rent and tuition fees, and transfer and pay my friends. Having a large overdraft has definitely come in handy as a student and receiving a railcard to join has been so useful and has saved me so much money.
8 January 2019
Large overdraft with this current account card which gets increased after the first year. It also comes with a free 16-25 railcard for the whole 3 years of your degree. The card also has contactless making it easy for student life and going out. Would highly recommend! Does require lots of security questions and time to set up though, so do within a few weeks before you start your degreee.
8 January 2019
The bank account was very easy and quick to set up. The free railcard was an amazing perk and very useful and cost effective!! Both the mobile banking app and the desktop website were really good. The layout was very intuitive and it was easy to use. An added bonus is the big free overdraft Would highly recommend
8 January 2019
Mobile app is really easy to use, plus the extra benefits of the Retailer Offers' Cashback and interest on your balance helps things seem that little bit cheaper!
8 January 2019
The overdraft limit is good and so is the Railcard perk . However when spending it doesn't show on my statement until 2 days later
8 January 2019
Great perks including free railcard, interest free overdraft of £1500 and also cashback with certain shops. However, when you make a purchase, the transaction may take up to 3 days to show.
8 January 2019
Great bank account for students! Decent sized interest free overdraft, the free student rail card is a great perk and has saved me so much money! They were really helpful when my card was stolen, refunding the money and sending me a new card very quickly, their customer service was very helpful and professional
8 January 2019
Customer service is always very helpful, both via email and in branch. Perks of the account have been good - I received a free railcard and get good cash back opportunities.
8 January 2019
I initially opened this bank account at the start of university and it has been fantastic. Their overdraft policy for students is highly useful, especially during the period when rent is due and the student loans have not been released. The railcard which is given as part of opening a bank account with Santander has also enabled me to enjoy up to 1/3 on train fares every time I travel which has been finically very beneficial.
8 January 2019
Great and easy to use mobile banking app, good interest rates, it's possible to get cashback at lots of stores, large overdraft available, plenty of Santander branches for paying in cash or cheques
Haydn Ellis
8 January 2019
Really good account for me while I was a student. The £1500 zero-interest overdraft came in handy so many times while waiting for student finance to come in, as it didn't appear to have a time limit. The iOS app is simple and easy to use, and can be unlocked with your fingerprint scanner so you don't have to remember a password. Although I've never used the perks, there are cashback offers available at quite a few eateries and other place. The only slight improvement I would make was if I had a contactless card, but maybe when I took out the card in 2016 it wasn't a thing and is now; I don't know. Fully recommend.
8 January 2019
For students, Santander is the best I could find. They allow you a 1500 overdraft which is helpful at Uni so you are not having to rely on your parents or a part time job if you fall short of money. Unfortunatley you cant transfer money to other people on the online banking app, but you CAN do this if you just open up the santander website in your browser window. Its a bit inconvinient but doesnt bother me.
8 January 2019
Great customer service and always reassuring. Easy to book an appointment and provide you with all the information you need. Easy and safe online banking, it's fast and simple to do. You don't need another device or need to call them. You also get a free railcard although I don't know about many other general perks. All branches I've been into are helpful. The 1 2 3 account does give you a free overdraft (up to a certain amount) and you also get other benefits such as 123 for graduates and higher interest rates. It's a good option whilst you don't have to pay for it although I guess they do that to entice you in so you pay when you are required to.
8 January 2019
This bank account is good as it gives you a 16-25 railcard which is great for getting home. The no interest overdraft is also useful for when your student finance hasn't come in yet. Online banking is sometimes problematic but it mostly works fine. Would recommend this account for students.
8 January 2019
This bank account offers an excellent deal for students. When I signed up I received a free rail card which has been very useful. The overdraft and interest are also really good. Certain features of the online banking could be improved. It is very hard to change the payment reference for each transaction to the same person. I also wish I could search through transactions.
Sian Hackett
8 January 2019
Had no problems so far. Quite a large overdraft if needed. Best thing for me is probably the free railcard. Mobile app is very useful also.
8 January 2019
Good stuff, they offer cashback on a few relevant sellers so that saves me a little bit of money. Only wish is that it gave me more information about my creditors as they aren't specific and it can be difficult to track your money because of this.
8 January 2019
Great overdraft limit of £1,500 which comes in great handy just before student loans come in, never had any issues with customer service, especially in the Southampton branch. Only critique I can think of is the mobile app could be designed better to give you more up to date feedback on your spending. Normally doesn't show what you've spent money on till a few days after you've spent it and so it can make it difficult to track money on occasion. But generally very good account and would highly reccommend, especially while you get the 4 year rail travel card free for signing up - which greatly helps when you need to get home every once in a while.
8 January 2019
The overdraft limit on this bank account is very useful, I personally have never gone into it but I know many students struggling will be taking full advantage of this. Santander is a very secure bank and I feel safe that my money is in their hands with their wide variety of passwords and codes. My only complaint is that transactions aren't immediately presented in the app but that's manageable.
8 January 2019
Really good interest free overdraft and was offered a free 16-25 railcard when I signed up! Interest rates are also really great, much better than my other current account with another provider.
8 January 2019
This bank account has been great since I started with them when I began university. I got a good overdraft with this bank account which does have a cap on it.
8 January 2019
It's pretty lit. I've had no problems whatsoever with direct debits or transactions. Only downside is that online banking is a right pain to do if youve had a children's account with them.
8 January 2019
It's really good. Staff were very good and were easily able to transfer my mini acct. to a student account. The app is also good and easy to use
8 January 2019
card didn't work for ages, took them ages to send me a new one after multiple requests & told me if i wanted contactless i would have to have a meeting to request one
8 January 2019
Never had any problems, great! Customer service has always been good in branches as well and on the phone. I also got a free student railcard when I took out my account
8 January 2019
its a good account i got it so that i could get a free railpass which is nice to have and they give you a debit card and a bank account and everything
8 January 2019
Great perks- good overdraft for students and free 4 year railcard which is super handy when you're a student and need to be back and forth from uni and home. Overdraft has been really helpful for times when money has been low (which is quite often as a student) The banking app is really easy to use and easy to access both of my Santander accounts from the app.
8 January 2019
Good amount of overdraft, get a free railcard which is beneficial, quick and good customer service. Only negatives is setting up the app as it's quite a lengthy process and also the pending transaction aren't shown on the app like others, which is annoying as it's not clear what's going out.
8 January 2019
Overall good bank with good rates and get a railcard which is handy for commuters. However the baking app and the process of channng passwords is too long! Have to wait for letters which takes weeks!
8 January 2019
Very good and useful, comes with an overdraft of £1500 and a 16-25 railcard for the university course duration
8 January 2019
Excellent facilities for students. Considerate with overdraft facilities for times of need! Also provided a student railcard for 3 years which came into great use esp for travelling to job interviews or open days with firms. Their mobile App is extremely easy to use and convenient as well. They're student friendly as they even had a branch open on Queen Mary's campus which made it easy to sort out any issues that arose. Staff were always very friendly and quick to process any matters. Useful to use their student account for controlling my finances for university such as books, travel, London living costs.
8 January 2019
Santander account is great. As I'm a regular user of trains the free railcard is very useful and a fixed no interest overdraft is great when nearing the end of the month
8 January 2019
Have never had a problem with this account and the £1,500 overdraft comes in handy when your falling short of money. The mobile banking app comes in good use when your keeping track of your money however transactions take a couple of days to show.
8 January 2019
The Santander student account was quite confusing to set up however once you've gone through all the paperwork (mostly online) your card and pin is sent to you pretty quickly. The costumer service is okay but not as quick or affective as other providers. The online app is easy to use and follow.
8 January 2019
My reason for opening the account were to do with perks, a fantastic free 4 year railcard. I'm also impressed with the savings account and interest rate available to me
8 January 2019
The mobile app really hard to use and very unclear- could be much better Also it is very awkward to log into the app, could have much more simple ways to do this and should be done. Wish you could see pending transactions like other banks
Hatty Sawyer
8 January 2019
Really easy online banking especially with the app. You can load discounts onto your card so you get cash back in places like costa, prezzo.
8 January 2019
Easy access app, informed at all times, easy to use and understand. Also got given a 4 year railcard from Santander which has saved me so much money throughout my time as a student. My bank account was easy to manange with my overdraft and was easily upgraded to a graduate bank account without me having to do anything and I was given lots of notice when this was happening and any changes to my overdraft I was informed of. Savings account are good to open with Santander too, which I have done previously for an ISA account.
8 January 2019
Unarrangeable overdraft with no alert left me £700 in debt; mostly my fault, although alerts would not go amiss.
Alyssa Lowry
8 January 2019
Santander student account is brilliant! especially if your university is away from your family, the rail card saved me so much money traveling from exeter to london over the four years. The interest free over draft is brilliant and last even two years after you graduate!
8 January 2019
The App is very easy to use!! Great service when speaking to customer service team sorted out any problems that I had and also you can receive a student train card with them which allows you to get cheaper trains for travelling to and from university.
Megan Sond
8 January 2019
The Santander student account is brilliant as not only do you get £1500 of overdraft, you get a railcard valid for 4 years, which is really handy because train tickets are super expensive, it's also super handy been able to use contactless and Apple Pay, however their Apple app could use a little improvement as it locks too easily switching between apps, which is a nightmare if your trying to get account details to pay into an account, I've also noticed that transactions take quite a long time to show up on bank statements and the app
8 January 2019
Good perk of getting three year railcard and large overdraft which I've found very useful. However the bank processes are very very slow, transactions take ages to show up on your banking app so makes it harder to keep track of money
8 January 2019
Great customer service, good coverage on mobile banking app, sorted my problems when they arised, plentiful overdraft limit. Got the account also due to there being a Santander on my uni campus and got free 3 year 16-25 railcard 👍
Becky McKemey
8 January 2019
My decision to opening a santander account when I started university was swayed strongly by the offer of a free 18-25 rail card. This has been of huge benefical value to me in travelling home from university and visiting friends. Further to this, whilst studying at university I inherited some money and wanted to invest it. Santander offered me an appointment within that week and made the process of opening a help to buy isa smooth, clear and easy. Definitely would recommend. The online banking tools have made it so easy to keep track of my finances and made transfers for bills and to friends so easy. The app makes keeping track of my money even easier as well as being super secure. The interest rates available on the 123 student account are very good and my appointment at my local santander branch helped me to understand this better. I'm a big fan and would definitely recommend.
8 January 2019
Really helpful customer service especially when you think someone else's might be using your account for fraud.
8 January 2019
Brilliant student account with all the benefits one could need. Including free travel railcard, excellent interest rates, cashback at different places and a brilliant overdraft allowance. Would highly reccomend!!
8 January 2019
Good overdraft if needed and loads of perks. With a student account you get a 4 year 16-24 railcard for free and weekly retailer offers giving you cash back when you spend
8 January 2019
Although not the largest overdraft on the market at only £1500, the guaranteed amount upon application without having to ring and increase every semester is a time saver. Not only that, the free 4 year railcard is a serious money saver! Some of the friendliest customer service i have ever come across also. I would definitely recommend this account, and i believe it was voted the best student account last year and also this year.
8 January 2019
Overdraft is really good you get £1,500 fee free which is really good living on a student budget. I believe it is the highest overdraft out of all the student accounts. the interest rate is 3% which is also good as well. perks include cashback at major retailers like top shop and restaurants such as nando's. additional perks include a 16-25 railcard which costs the costs of train fares by 1/3.
8 January 2019
This account has been great for me. The interest rate is better than any other bank account that I've had (although it is capped at £2000). Also, as a fourth year student my overdraft has increased from £1500 to £1800 which I appreciate greatly.
8 January 2019
I have had no problems with this account. The app is really good and easy to understand and I love that you get a 4 year Railcard when opening the account
8 January 2019
Really user friendly and completely made for Students. I have used the railcard which comes with the account so often, saving me hundreds. Really worth signing up with
8 January 2019
Very good student account which offers a free 16-25 railcard. Also comes with a good overdraft and customer service is always good
8 January 2019
I chose Santander for my student account as it had the best interest rate and requirements that I could meet. I love the fact that I could do banking online or from my phone, which is useful if you are living away from home. I also loved the fact that I got a 16-25 railcard with the account which was useful for when I was visiting friends at other Universities and home.
Jacob Marshall-Grint
8 January 2019
Overall Really an excellent simple bank account. Setting up the account takes a little bit of time and a letter from your student union (or equivalent) but other than that is very easy. The overdraft is initially £1500 but extends to £2000 in year 3. Within this, you can improve your own limits, caps, and warnings through the online banking. The online banking is through the main site and it is easier to keep a copy of your online login number somewhere as it is difficult to easily get another one. The app has significantly improved recently and now is very functional and clear. It allows you to do all banking stuff on it. I got a railcard for 3 years when I joined. Upon completion of the account, it automatically turns into a graduate account.
8 January 2019
The overdraft has really helped me manage my money and ensure I have enough for my rent as the student loan comes in termly and not monthly. Also the railcard has saved me a lot of money on travel!
8 January 2019
I've never had any problems using Santander, either in person or online. The mobile app isn't very highly rated, so I have avoided it, but using the website is fine. It has been very useful to get the free railcard, as a student I use public transport often and this has saved me a lot of money. Interest rates etc are pretty good as well.
7 January 2019
Had this account for 6 years good overdraft flexible savings and good customer service. the app sometimes doesn't work as well as the other bank accounts. there is a lack of perks but this is something santander is working on improving
6 January 2019
The account itself was so easy to open- the people at Santander are friendly and very helpful. Having a three year railcard thrown in was a very useful perk as having this has saved me lots of money over the course of my degree travelling long distance across the country from London to university in the North. The overdraft of the account is a lifesaver. It is amendable in terms of amount but having the full amount is the only way I survived ridiculous rent in first year and SFE auditing my family and stopping my payments in second year. My sister also had the same account and enjoyed it greatly too as it helped her survive in a very expensive city. The app is easy to use and has no unnecessary functions or features- allows transferal of funds and checking balance on the move- very handy.
6 January 2019
Love the option to be able to get offers, and the app itself is really useful to track my spending. Also very easy to pay other people and get paid so over all, amazing service!!!
6 January 2019
Santander mobile banking is so easy and manageable. Dependent on the phone you have, it has fingerprint recognition for access which makes it a lot easier too. The overdraft options are generous which is extremely handy being a student, and it's 0% interest. When opening a student bank account with Santander, you get a 3 year railcard which gives you a third off rail travel. This is a great benefit if you're having to travel long distances home during breaks etc, it works out as saving a lot of money.
5 January 2019
A pretty good interest of 3% up to £3000, so keep £3000 from savings in there at all times and used my other account for everyday payment. The 4 year railcard makes it so worth having and although I didn't need it, the overdraft is very generous. The online banking app is super easy to use and have managed to replace cards very easily when lost.
4 January 2019
Excellent customer service, Santander have always been extremely helpful when I have needed them. The overdraft size (£1500) is very reasonable in comparison to other banks. The added perk of the free railcard also comes in very useful when travelling to and from home from university, saving well needed money on train journeys.
4 January 2019
Santander is a very safe and reliable bank. Anytime you need them thye're on the other side of the phone day or night. i also got a free railcard when I signed up which is worth its weight in gold. I've saved loads with it, perfect for any student. The £1,500 overdraft limit is fantastic as well if you need to pay off any housing or study fees.
4 January 2019
This is a very good account to give you as a student as there is no interest overdraft and you also get a free railcard which gives you 1/3 of all fares! Also they have been very helpful on various occasions when stuff has gone wrong
4 January 2019
The Santander student current account I think is personally the best student account on the market. It has saved me so much money with the FREE 16-25 railcard. It also has one of the best interest rates which allows me to make more money on top of the money already in my account. The current account also gives you a £1500 overdraft which can be very useful as a student. This overdraft is bigger than most other provider student bank accounts too.
3 January 2019
Good perks come with the account such as the 16-25 Railcard for free for 4 years. It really is a lifesaver when you need to travel on train anywhere like home, which can cost a lot more without the card. An efficient overdraft available, with sufficient room to dip into if needed.
3 January 2019
Good for the app , always updates quickly , always helpful , let's you send over a good amount of money and has a good size overdraft
2 January 2019
Useful bank account with excellent app and helpful customer services. Would recommend for undergraduates looking for a bank account that with good overdraft and interest rates.
1 January 2019
Great bank, has all you need for a student bank, fee free overdraft and student rail card. This is all I have to say lol. Word count is a pain the word count is 100 words so these will fill them up keep on going nearly there. Just about these nearly got it jjst a few more words yayyyy let's do the A B C D E F G H I know my alphabet
30 December 2018
Fantastic extras provided including the railcard which saves me a lot of money when I'm travelling back from uni and the overdraft is helpful.
25 December 2018
I really like santander, the online website and the app are easy to use and transferring money takes no time. They give two cards which I really like so I can keep my savings in one. I know people frequently order another card to do that but I did not have to which I am pleased with.
24 December 2018
Absolutely fantastic service! I really like this bank they don't cause me any problems and their app is amazing to use
23 December 2018
The Santander 1|2|3 Student current account was so easy to set up and its free overdraft of upto £1500 has been an absolute lifesaver when it comes to student loans coming in late and rent going out early!
23 December 2018
The perk of a 16-25 railcard with a Santander student account was extremely useful when I moved away for University.
23 December 2018
Great overdraft allowance and freedom with paying back said overdraft. The Railcard given to students is also a huge bonus and one of the better rewards offered by banks.
23 December 2018
Good overdraft, flexible and free student rail card. Online banking is easy. Also noticed that many universities have a branch on campus which is very helpful.
22 December 2018
The Santander Student Current Account has been great for me and far better than its competitors - 4 year railcard (worth £120 and invaluable for a student living away from home) on opening the account, better interest rates than most other student or normal current accounts (up to 3% if you've got a bit of money in there eg when loans come through) and really easy-to-use online banking where you can easily and quickly check transactions and set up one-off payments and direct debits. Customer service has always been great and they've recently introduced cashback on certain companies eg Café Nero which is another nice perk. I've recommended to all my friends!
22 December 2018
I've used my Santander account for three years now, throughout my time at university I enjoyed having the overdraft feature as sometimes it would help me pay my rent and it was helpful to know it was available. I've now been moved onto a graduate account and im pleased to continue banking with them as the interest rate is also better than other banks I've been with in the past.
22 December 2018
I love this bank. Free overdraft and free railcard! And i get so much interest each month! Mobile app is very easy to use.
22 December 2018
Really good account. Overdraft is really good and essential for 'just in case' and 'emergency' money. Plus it is not charged extra!! Really easy to use and staff are always helpful. Also secure with Touch ID on phones. Rail card extra is a must!
22 December 2018
Online banking looks very nice and is easy to use. Customer support is always good every time something goes wrong. Overdraft is very useful and is slowly lowered to 0 after graduating to give you time to get out of it. The mobile app also has a rewards program for certain restaurants and shops that allows you to get cashback which is nice.
James Adamson
22 December 2018
Brilliant account. It gives you a nice sized overdraft which is helpful if needed. Also their online banking app is the easiest to use and navigate.
21 December 2018
Very good bank, mobile banking app has improved significantly lately - now has Touch ID which is good. Overdraft is one of the better ones for student accounts and the best perk is the fact that it comes with a free rail card!
21 December 2018
Santander were great for me as a student as I get monthly interest which is higher than most other accounts. I also got a free traincard too which has saved me loads of money. Staff were also super helpful when I lost my card and sorted me out really quickly.
21 December 2018
The perks of the bank account I'd definitely give 4/5 - I got a free railcard valid for 4 years which saved me loads when travelling and a free £1,500 over draft limit with no interest! The bank are okay, but the app isn't fantastic, I couldn't add a new payee without having a computer and some of the functionality wasn't as good as other banks e.g. Halifax
21 December 2018
The online banking app is very easy and quick to use making transferring money to friends hassle free. The account also came with a free rail card which was a very pleasant addition.
21 December 2018
Amazing customer service and great benefits. I was given a 16-25 railcard as part of my account and it's been the best banking decision I ever made.
21 December 2018
Overdraft is good as interest free and converts into graduate one upon graduation, less stress having to think about paying it off fast. Only downside to this is that on the app you can't see any pending transactions!
21 December 2018
Setting up a student account was so simple and easy, online banking is straightforward and the overdraft limit is a decent amount, and can help a lot during term time.
21 December 2018
Very large overdraft of up to 2500 pounds for second year students. Contactless cards also very useful. Not had to use any customer service but from what I've heard is also very good. Streamlined app
21 December 2018
In branch or online Santander have always been very helpful. Very good they have lots of perks, and leading into a graduate account too
Kizzy Ayres
21 December 2018
The customer service from santander,they are very helpful with any questions and any requests. The Santander app is amazing. You can easily use it to transfer money to other accounts or other people. There is another Santander app that allows you to look at your monthly spending which organises money into different categories. The perk for me was that it came with a free railcard. This is very useful as it saves one third of train ticket prices. Also it has an overdraft.
21 December 2018
This account comes with a free railcard that is easy to claim. The interest is good and I think it is the best student account you can have. Only downside is you must be 18 to get it.
21 December 2018
Great account with a really good interest rate compared to other current accounts. The over draft is £1500 which I find is plenty enough for what I need. The mobile app is pretty standard but nothing wrong with it. When I created my account I got a railcard valid for 4 years which is sooo useful and I thought the best offer compared to other other student accounts. Customer service is okay but when I tried to get a statement sent to my house it wasn't made easy by the staff.
21 December 2018
The account is good, the overdraft is big and the account pays interest on positive balances which most accounts don't. The app and supporting apps are really easy to use and help you track your spending and the retailer offers are tailored and good.
21 December 2018
Santander student account is great! £1500 free overdraft to help you out if you're a little stuck on cash and you get a free 16-25 Rail Card. The mobile app is easy to use and in-store assistance is always helpful and friendly. Would definitely recommend.
21 December 2018
Great account with the best benefit available amongst student accounts at the time. The overdraft is £1500 with 0% APR which is perfect for students who need a bit of a buffer fund. The app is intuitive and easy to use. Also makes use of device tech such as touchID and faceID.
21 December 2018
Easy-to-use website. Free 16-25 railcard when you join that lasts for 4 years. Good, friendly customer service if you have an issue.