SELECT. For starters, this account comes with the option of an overdraft. Search for 'NatWest Mobile Banking'. easy-to-manage account, manage my account. After you graduate, your student account will be automatically changed to a NatWest graduate account. About half a million students start uni each year, so assuming 75% take up a student account (free rail pass!), then later, 5% fail to pay back the overdraft and incur £250 of interest payments, that means that 500000 * 0. Manage your credit card. This charge also applies to providing details of paid cheques. was gona do it through aliance and leicester but they keep refusing to give me an overdraft on my normal account with them so figured thered be no chance of getting a student account with. £23 - between banks. You'll usually be. I've had to change my circumstances as I now live with my mum and student finance is based on her income. I'm going into my second year of uni and it says on Natwest website that you can extend the overdraft to £1,250 in your second year. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla. The Adapt current account is available for 11-17 year olds. Fact checked. Specific account eligibility criteria applies. You’ll also earn interest at an agreed rate. You'll have to. F 7 667585 27/2/08 13:54 Page 2 PROOF 7 Graduate Accounts Current Account Loan Credit Zone Overdraft Overdraft Repayment Plan Application Form client account THE ROYAL BANK OF SCOTLAND RBK-LITERATURE. As you changed your work status to ‘graduate’, that means you could be eligible for an overdraft between £250 to £2,000. Set up. Log in to NatWest Online Banking. 49% interest rate. Please note that this tool does not provide any indication of approval. Best student accounts 2023/24. You’ll need a device that has a camera or webcam, and a connection to the Internet. you may apply for a basic Natwest student account. You’ll start with £500 in the first year and straight up to £2,000 in your second year of university, if you study for year three an onwards, you can even apply for an interest free overdraft of £3,250. Maximum Arranged Overdraft limit allowed (subject to approval): If. An overdraft is a form of borrowing and is repayable on demand. Students can apply for up to £3,250 interest-free from year three onwards. Only individuals who have a NatWest account and authorised access to Online Banking should proceed beyond this point. eruka Posts: 9 Forumite. Natwest are crap, you can keep your student overdraft 1600 max I think for 5 years, then the 'graduate' accounts have about 500 free overdraft and that's it. See all fraud & security options;The way banks try to encourage this is to reduce the maximum 0% overdraft each year – the idea being that by the time the 0% ends, you’ll have paid it off. That £1,000 facility will then either be removed, or revert to bearing interest. The forms can be located via our general complaint form. Just thought I'd get this out there, in case anyone here knows any students using NatWest for their student accounts. also, as a student, natwest is good because it offers the biggest interest-free overdraft (as standard, i think £1250) hope that helps, fff . Royal Bank of Scotland. Students can a apply for up to £3,250 interest free from year three onwards*. I have a regular steady income, a few direct debits all paid without fail each month including a lloyds tsb loan and credit card! I went into one branch, the guy was very slow on the computer and after a. Manage your investments. It also means that anything you own may have to be sold to pay off debts – this can include your home, car or any luxury items. We would like to show you a description here but the site won’t allow us. martin_dunge Forumite Posts: 3 Newbie. Help with everyday banking. Graduate Programme. The 50/20/30 budgeting rule is a popular one to help keep you right. The NatWest student account is designed to make your life in higher education a little bit easier. Santander has consistently gained glowing reviews for their student account. Graduate overdraft; Help with overdrafts . If you have savings, this could be easiest way to pay off your overdraft debt. 01. Business account fraud UK: 0345 711 4477. When you graduate, we'll gradually. Apply for an interest-free overdraft of up to £1,500 over the course of your studies. You’ll need to have a student current account as well, and be over 18. Use of your account Your 1I2I3 Graduate Current Account will last up to 2 years before it automatically transfers to an appropriate current account. You’ll have to pass a credit check to be approved for. According Natwest's site the student account is turned into a graduate account when you graduate. I was supposed to graduate July 2021 but I am redoing a year (therefore still a student) and will graduate in July 2022. Student overdrafts are designed to assist students during their academic years, helping cover living expenses or unexpected costs. Usually, the main benefit is an interest-free overdraft. * Eligible students in third year onwards can apply for up to £3250 from 2nd October 2023. Fraud & security. Your student and maintenance loans repayments are frozen until you start to earn over £25,000 but many people forget to consider their student bank accounts overdraft is also a loan, and one. Graduate Bank Account (opened up to 31 May 2007 and from 19 July 2008) Yr 1 – £1500 Yr 2 – £1000 Typical 19. Having overdraft debt and savings may not make sense as you may be spending more on overdraft interest and fees than you accrue on any savings. 3. This means you’re using an overdraft. NatWest/RBS student bank account - get up to a £. Subject to status and a full credit assessment. The NatWest and RBS student accounts start with a definite £500 0% overdraft (as long as you're approved for an overdraft. Some banks may let you have up to £3,000 on your student overdraft, while others may set a lower limit. In the third year of your Graduate account, you could benefit from up to £1,250 interest-free arranged overdraft. Interest free overdraft while you study. Subject to approval. This is needed for both you and the party you are adding to the account. There may also be limits depending on what year of study you’re in. You’ll start with £500 in the first year and straight up to £2,000 in your second year of university, if you study for year three an onwards, you can even apply for an interest free overdraft of £3,250. You won’t pay interest. The new NatWest and RBS student account will provide students with discounted coach travel for 4 years. All Banking. We'll let you know that your bank account switch is complete. That £1,000 facility will then either be removed, or revert to bearing interest. I had paid it off in the time scale specified and then they changed it to a Select account, where I would be charged if I went into my overdraft again. However, lying to your bank may cause them to revoke the overdraft, leaving you really really stuck. If you have a Graduate account with an arranged overdraft limit of £3,250 following the first year after graduation and you use all of this, you will be charged arranged overdraft interest at 39. That means being overdrawn by £1,000 for two weeks in a month will cost you £6. Start university with a £500 interest-free overdraft. i would call them up now though and let them know, and see if you can extend your overdraft further. Hi, I'm currently a university student, with a Natwest student account, which allows me a free overdraft of around £1600. written by Laurac1 on 28/05/2013. You’ll get a free Santander 16-25 Railcard, interest on your balance and fee-free Arranged Overdraft. Their years start on the 1st July, so if you graduated the summer of 2004, then your £2000 overdraft lasts between 1 July 2004 to 30 June. Nov 9, 2023. eruka Posts: 9 Forumite. The idea of a savings account is that it’s a pot of money you leave alone, gradually building up over time. Always use a safe way to pay. Maximum Arranged Overdraft limit allowed (subject to approval): If you're a student in the first term, of your first year of study, you can apply for up to £500. Despite having graduated in '06, I still have a £1,000. According to the website, my graduate account overdraft is £2000…hello fellow student money savers, i need your help. Benefits of the NatWest Student Account. But, unlike a student account, the limit reduces - typically every 12 months. 00% AER / gross Regular Saver account as part of the student service. Compare our current accounts. We’ll talk to your old bank and on day 7, your balance will be transferred to the new account. The graduate account has 2k interest free. We would like to show you a description here but the site won’t allow us. If Cora can’t help she will pass you on to one of our colleagues who can assist you with your query. They work like a normal current account but have extras designed to make student life a little easier, such as interest-free overdrafts. when your account switches to a graduate account you will be expected to pay it off so it's like. In the fourth year after you graduate you will automatically move onto a Select account and your arranged overdraft will no longer be interest free. Same day electronic transfer. HSBC offers a student bank account in the UK that comes with a plethora of benefits. Perk. Even after however, they will likely decrease your overdraft amount. No fees for refusing a payment, going less than £10 over overdrawn or over your limit for 1 day during the month. The interest free overdraft only lasts a year after graduation before it is reduced. With Halifax it just stays a student account for a year after you graduate, so you still get an interest free overdraft. Year 1: up to £2,000* Year 2: up to £1,000. Apply Transfer a Santander account. You’ll get a free Santander 16-25 Railcard, interest on your balance and fee-free Arranged Overdraft. I suddently got a letter while I was on holiday telling me I need to repay my overdraft by. Freebies. Our free Business Builder online course is packed with practical resources. Reply 12. To apply, you need to be 18+ and a UK resident and have ONE of the following: Pay a minimum £100k sole income or £120k joint income paid into a NatWest account. Upto October I had been putting what I could in to cover the charges I was getting because they "upgraded" me to a graduate account and interest was now bein. Cheetah Forumite Posts: 157 Forumite Posts: 157Barclays, Co-op and TSB offer student bank accounts, but they are among the few not offering any perks on top of the interest-free overdraft of up to £2,000. Whether you're starting a side hustle or looking for tips to improve your. After you graduate your FlexStudent becomes a FlexGraduate account. Overdraft of up to £2,000 in year 1 (limited to £500 term 1, year 1) Access to its Housemate app, which helps you split household. Providing copies of paid cheques. Overdrafts guide; Overdraft eligibility calculator; Overdraft cost calculator. After university I upgraded by Natwest Student account to their Graduate one, which entitled me to extend my interest free overdraft to £2000. You can’t have had a FlexStudent or FlexGraduate account on 31 July 2023. If you have a Natwest student account, it'll be automatically changed to a graduate account once you've graduated. All accounts below automatically turn into a graduate account once your course ends, which continues the 0% interest overdraft for a further two or three years – though the interest-free limit drops each year. The forms will ask you for the following details: Your full name. 48 votes, 85 comments. What I liked about the student account was that it had an interest free overdraft of £1250. They may want to know about any other debt you have. Check out the repayment example in the table below. Overdraft Rate (EAR) N/A. I have a Natwest Student account with £1400 Overdraft at its limit! I just Graduated This Year and have been told that my account will be changed to a Graduate Account. Championing kids and teens to be confident with their financial wellbeing. MMC for Current Account with Control is £20, Student Current Account £40 and Cardcash Account £30. 0. A student bank account is a current account that’s designed for people in higher education. Your child can withdraw money once they’re 18. Student current accounts are made for you if you’re going to university or college. i. Pay with your debit or credit card – it’s a safer way to pay and gives you more protection. If the person you are adding to your account is already a NatWest customer: You will only need to send in one form of photo identification with a selfie of the front and side profile. So far, after saving up my wages to pay it off I now have -200 and I . The NatWest Student Living Index 2023 gives you the full lowdown on higher education in the UK. Basically, you’ll need to pay back at least £1,000 a. At the moment, NatWest and RBS customers are charged up to 19. NatWest is also offering a freebie to new students in the form of £100 in cash and a 4-year Tastecard. Christa1 Forumite Posts: 286 Forumite. There are larger overdrafts with some other student accounts. Hi, I started uni in Sept 2018 and opened a Natwest student account that I am £2000 overdrawn on. All you need to do is specify the overdraft that you wish to apply for (this is the new full amount not just the increased or decreased amount). We cover this in more detail later. I had my student loan paid into it for 1 year while i was at uni until i left at that time (2004). 9% – but you don't have to make repayments for the. Which they will then be put on a specific Graduate account plan once they graduate in order to pay the. There are no fees, no charges and no interest to pay. However pretty much all overdrafts are repayable "on demand" so theoretically Natwest can ask for it back at any time. Subject to status and a full credit assessment. Often banks charge hefty fees and interest for the privilege, but student account overdrafts are interest-free. Once the overdraft's paid off, you can then work to build your savings back up. You could get: £1,400 in your 1st year. Most banks automatically switch you to a graduate account once you graduate. . Duration of arranged overdraft. Book yours today. Postgraduate Bank Accounts (UK Students) Bank Account Name Overdraft Perks; RBS / Natwest: Student Bank Account: £500 in the first term, up to £2,000 after that: A National Express Young Persons Coachcard - valid for 4 years – giving you 1/3 off coach prices with National Express: HSBC: Student Bank Account: £500-£1,000 in the first term. Student overdrafts. Natwest overdrafts are currently 39. Sometimes, it helps to speak to an expert. The NatWest student account is designed to make your life in higher education a little bit easier. Graduate accounts do not charge the Arranged Overdraft Usage Fee but interest may be charged (9. With the HSBC Graduate Bank Account you'll get: You may be eligible for an overdraft facility, of which £3,000 will be interest-free during your first year and £2,000 in your second year after graduation. To apply, you'll need to be 18+ and have graduated in the past 2 years. Once your interest free overdraft runs out with Halifax, you should go check out Natwest or Lloyds TSB's graduate accounts if you find yourself still needing an overdraft. natwest have reduced the overdraft charges though, so you wont be raped so badly. 81% (NatWest)) if they are. east. Clearing your student overdraft debt. If your request is successful, we will confirm our decision and add the. Alas, all good things must come to an end. You can apply for up to £1,000 interest-free arranged overdraft in your first year, up to £2,000 in your second year and up to £3,000 in your third year and onwards. Personal banking complaints team: available Mon-Sat, 8am-5. I have a Natwest Student account with £1400 Overdraft at its limit! I just Graduated This Year and have been told that my account will be changed to a Graduate Account. Overdraft available to NatWest student current account customers aged 18+. Whether you're starting a side hustle or looking for tips to improve your. To apply you must be 18+, earn at least £10k per year, be a UK resident, a NatWest current account holder and must not already have NatWest Buy Now Pay Later. Taking out multiple overdrafts is a stupid idea, because you are only increasing your burden of debt to repay once you graduate. Wrong. The aim is to cut the interest cost – which for many totals £100s a year – making the overdraft easier to clear. Edinburgh, United Kingdom. You can also set up alerts by calling us or talking to us at your local branch. What you can't see, you can't spend. Nearly all student accounts are limited to £1,000 a year if that as they often require you to have been working and the £3,000 is at the end of 3 years. This term my student loan has arrived, however i was just wondering when does the bank take out the overdraft that you oweHi, I would like your expertise in what I could do to stop NatWest/trident credit services taking me to court and getting a ccj against me. The graduate account has 2k interest free. Mobile app required and available with compatible iOS and Android. They'll automatically change unless you evidence further study. Original post by tigermoth99. 9% EAR variable Does Natwest allow you to have an overdraft on your student account. Use of your account For any 1I2I3 Graduate Current Account opened on or after 26 June 2017, the account will last up to 2 years before it automatically transfers to an appropriate current account. Maximum overdraft in year 3: £1,500: At end of term: Account transferred automatically to graduate account: Overseas card transactions: 2. Which account offers the best interest-free overdraft? All the student accounts we looked at offer an interest-free overdraft, but the limits varied depending on the provider and the duration of the course. If you have money guaranteed to come in, then they'll be more likely to give you an extended overdraft. 9% EAR variable Graduate Bank Account (opened between 16 July 2007 and 18 July 2008) Yr 1 – £1500 Yr 2 – £1000 Typical 9. The NatWest and RBS student accounts start with a definite £500 0% overdraft (as long as you're approved for an overdraft. I understand that I need to register to online banking and select Paperless Statement in order to get full access to our student benefits. Act Now Alerts. As of the 17th December I am being switched to a standard current account which wants to charge me 18% interest on said overdraft and £6 a month for the pleasure! What did you expect? All overdrafts are repayable on demand. You can also claim free £100 in cash paid into your account, 0. You’ll start with £500 in the first year and straight up to £2,000 in your second year of university, if you study for year three an onwards, you can even apply for an interest free overdraft of £3,250. £100 cash for opening account: £100: NatWest: Year 1-3: £2,000: £80 cash and a four-year Tastecard:. 49% on overdraft interest, with changes taking effect by the beginning of April 2020. Replacing lost or damaged cards. Check your balance, send money and even earn rewards 1. Considering these factors is crucial when. Student or Adapt account. Subject to lending criteria. EN. Subject to lending criteria. It allows you to withdraw more money from your student bank account than you have on your balance, up to a fixed limit. Support centre. Multiple Student Accounts; NatWest student overdraft; Overdraft; Santander bank;. 87 out of 5, suggesting a general satisfaction with the accounts. stargazeypie Posts: 20 Forumite. Start with just £50 and top-up with as little as £10. Switch to First Direct. Graduate bank account overdrafts. Open a student bank account. There was no need to apply for an overdraft, you simply apply for an account give details etc. A link will pop up, tap this, and you’ll be taken straight to download the app. Free four-year 16-25 Railcard Student for existing current account customers who switch to a student account. Only TSB can tell you about their student overdraft and lending criteria. Santander. Terms and conditions apply. So I got myself a Natwest account and was told that I should get a Student overdraft as it would benefit me (I also got the credit card). That £2,000 facility will then reduce to £1,000 for a further 12 months. Personal credit cardsIf you’re a UK resident, you’ll get a guaranteed interest-free overdraft of up to £1,000 after you’ve successfully opened the Student Bank Account. About NatWest Thrive. You’ll get an: easy-to-manage account, manage my account. The main thing I was excited for was the fee free overdraft, but I can't seem to be able to apply for it. Santander is one of the best student banking accounts in the UK on many levels. I'm a recent uni graduate and whilst I do not have a job yet, I am pretty far into my overdraft (due to rent from my third year, even though I had a…NatWest - Graduate Royal Bank of Scotland - Graduate. Your phone number. Plus, the bank is well-established, has an easy-to-use app and hundreds of. Tell them before they realize. Overdrafts guide; Overdraft eligibility calculator. If you've just graduated, you don't need to do anything. A big difference between a savings account vs a current account is how often you access your money. Current account fraud Overseas: +44 3457 888 444. Only one 1I2I3 Graduate Current Account can be open at. Natwest - paying off student overdraft. Year 2: £2,000. you have held a Student Current Account with Halifax; you do not deposit at least £500 into your account by 31st October 2023. . Lloyds Student account: Barclays Student account: NatWest Student account: Apply: Anytime during studies: Anytime during studies – though only first year students get the perk: Anytime during studies: 0% overdraft years 1-3: £500 in term 1Up to £1,500 for years 1-3: Term 1: Up to £500 Year 1: Up to £1,000 Years 2 & 3: Up to £1,500:. The Graduate account can have an Overdraft of £2000 but only if you ask for it to be increased. Yr 1, up to £1,000; Yr 2, up to £1,250; Yr 3, up to £. Open a student bank account. To check your eligibility, we’ll need you to update your ideal overdraft amount in step 4. NatWest will notify you about this ahead of time and it doesn’t require any action on your part, so it’s an easy transition. Interest on fees and charges is payable. About NatWest Thrive. If you are an Online Banking customer and complete the form using your log in details, we complete many of the fields for you. Account fee of £2 per month. Your overdraft limit will stay the same for another year. When you graduate, your 1I2I3 Student or 1I2I3 Postgraduate Current Account will automatically transfer to a 1I2I3 Graduate Current Account. Never had any problems with Natwest in that time. Start saving instantly. Year 1: £1,500. RBS and NatWest latest to hike overdraft rates. After proving you're in education, they should give it to you (it automatically updates your account). :money: 2023 Mortgage-Free Wannabe #19: £8825. Breakdown your budget. Current accounts - NatWest. These costs then bounced back in 2021 to £518. Save money in a tax efficient way. With graduation dates set and debts looming, it’s time to start thinking about your future and finance. student bank accounts tend to offer the same features as standard bank accounts alongside interest-free overdrafts and student incentives such as discounted. Natwest Finance Graduate 2024; I’ve been scammed; Cifas removal. Your overdraft will be reviewed, probably, when you leave University. Smarter banking for your life after uni. grad account year 2: 1000. i have had no notice of this and when i have been going into branch and using my account no one has mentioned a thing about the graduate. didnt have a student account and tried at natwest, lloyds tsb and halifax but got declined at all 3. 9% p. stargazeypie Posts: 20 Forumite. You can also set up alerts by calling us or talking to us. Graduate accounts usually come with a 0% overdraft for at least two years. To apply you must be 18+, earn at least £10k per year, be a UK resident, a NatWest current account holder and must not already have NatWest Buy Now Pay Later. I need some advise as I've been driving myself crazy wondering what is going on. £100 cash bonus plus a four-year Tastecard, which gives you discounts at many restaurants in the UK. An interest-free overdraft is one of the most beneficial aspects of a student account, and few accounts can compete with Nationwide on this front. You must be a UK resident aged 16+. You can arrange a transfer from overdraft to credit card with a money transfer credit card. I graduated in 2006 after completing a 3 year degree in the normal fashion In June 2007 i recieved a letter saying that on the 31st July 2007 my 'free' overdraft limit would be reduced to £1000. Use our overdraft eligibility checker to find. Free 4-year National Express Young. It works by dividing up what money you have coming in and then breaking it down into how you’ll spend it: 50% on essentials, 30% on nice-to-haves, and 20% to savings, as a guide. Year 2 £1000 (interest free). . I had a 1400 overdraft with Natwest (old student account) and never went over this or had any. (variable) and higher than our balance transfer rate of 12. You are going to have to ask them again. I have a student account with NatWest which was advertised as coming with an interest free overdraft. NatWest / RBS: up to £3,250 0% overdraft. Manage your loan. N/A. Halifax Student Current Account. 2. This means that, while you’re a student, you don’t need to pay any interest if you dip into your ‘arranged’ or ‘agreed. To apply, you must be a UK resident, aged 18+ and earn £10k+ each year. If you’re 17 or over and heading to university, NatWest’s Student Bank account offers discounts and an interest-free overdraft. The Royal Bank student account makes things easier. Natwest are crap, you can keep your student overdraft 1600 max I think for 5 years, then the 'graduate' accounts have about 500 free overdraft and that's it. All you need to do is specify the overdraft that you wish to apply for (this is the new full amount not just the increased or decreased amount). A minimum £100k savings or investments held with us. Students also have the option to request an interest-free overdraft of up to £500 in their first term which can be increased to £2,000 in. Unfortunately, for all other Natwest current accounts, overdraft have a representative APR of 39. An overdraft lets you borrow extra money through your current account. Although most student bank accounts come with an overdraft facility, there are a number that stand out. Representative 0% APR (variable) Buy Now Pay Later is a credit product. Overdraft amounts for the graduate account are £2,000 for the year after graduating, £1,500 after two years and £1,000 in your third year. High street deals on graduate bank accounts vary enormously, says Laura Howard, so make sure you get the deal that best suits you. The arranged overdraft limit can be up to £510 for the first 6 months, than you can apply to increase it up to £1010 in your 7th to 9th month of studying, and from the 10th month you can apply to. Natwest offers arranged overdrafts to students who have lived in the UK for a minimum of 3 years. With the NatWest Student account you could get an interest-free overdraft of up to £2,000 in your first year, potentially rising to £3,250 in your third year. What Are the Benefits of Natwest’s Overdraft. Your overdraft limit will stay the same for another year. Consider bankruptcy. A £1,000 overdraft costing £20 a month in interest costs £240 a year, but the same in easy-access savings earns about £50 a year – at best. - Graduate loan system provides between £1,000 and £10,000 at 9. Hi guys, so I used my NatWest student bank account's arranged 0% interest overdraft today, and used the max, so £2000. Already have overdraft increased to 2k for my post grad degree starting in september. Best High Yield Savings Accounts. I currently have £0 deposited… WVL. Open a bank account online - FAQs. Yes, you can go into your local branch with your offer letter and they will extend your student terms by a year. 5. uk Gift Card. No Charge. Get more financial flexibility. I already had an early student bank account so had a £200 overdraft, I then went and applied for the £500 overdraft when my university place was confirmed. NatWest student bank account NatWest’s student account offers a tastecard, Amazon Prime membership or a National Express Coachcard, plus an interest-free overdraft of up to £2,000. These accounts include certain benefits tailored to students. Apply today and you could get a £500 interest free student overdraft for term one year one, with the option to increase up to £2,000 from term two year one. If you don't have Online Banking, you can register and then sign up for alerts. The Natwest student bank account works and operates like any typical banking account and has a fee-free overdraft of up to £2,000 from year two onwards. Please Help. Arranged overdraft of up to £1,500 interest free (subject to application, financial circumstances, borrowing history and lending criteria) Now available to Higher Apprentices (Level 7+)Persistent credit card debt, also known as long term credit card debt, applies when you’ve paid more in interest, fees and charges than you’ve paid back on the amount you’ve borrowed over an 18 month period. You can ask us for an arranged overdraft when you apply or any time afterwards. Natwest International Student Account has a lot of benefits like arranged overdrafts for eligible students’ accounts and other perks. By mobile - your step-by-step guide: Open the NatWest banking app and select the ‘Payments’ icon at the bottom of the screen. I started off with £500 but ended up with £1000 after I was told it would be better and also I needed the money to help me financially. Only individuals who have a NatWest account and authorised access to Online Banking should proceed beyond this point. ². The Arranged Overdraft limit you can apply for depends on what term and year of study you are currently in. Card payment support. The Tastecard gets you discounts at. Open a student bank account. An Unarranged Overdraft is when you spend more money than you have in your account and you haven’t previously arranged an overdraft limit with us, or have gone over your existing limit. Up to £3,250 interest free from year three onwards*. Does anyone know if Natwest let you increase the overdraft early if you call them?Current accounts. 2 Offer ends 18 December 2023. What is the interest rate on a NatWest student graduate account? Representative 39. Graduate accounts may continue to offer a low or interest-free overdraft facility which decreases over time, giving you the opportunity to. Unfortunately, for all other. Explore our overdrafts. Always make sure you have enough money in your current account, or a. Manage your car insurance.