the banks are giving away to students and take it. You don't have to have an overdraft if you don't want one. Just get the freebies, then if you do hit financial trouble, they're there to help you! I have a cinema unlimited pass for cineworld as well as a railcard (I travel a lot ). Apart from this there aren't many other benefits that I would want/use. Also, like I said if I hit financial problems I have support from relatives who could easily transfer money straight to me. Although I guess it's true I can't predict what may happen in the next 3 years. If I was to get a student account with no overdraft would there be any benefits extra such as interest on money in my account? And if I just got one with my current bank (HSBC) would my account number change so my student loan would just be floating around somewhere? I don't really understand banking so please be as simple as possible if u can help! ( Originally Posted by Hanny18 ) The title says it all really. I have more than enough money for uni (I have a budget of 200 a week after accommodation) as well as support from relatives. Is it advisable to get a student bank account anyway in case my situation changes next year? Or would I be able to get one if things get hard? Also, I'm not keen on the idea of getting one because I