Student support through Barclays Bank

(0% interest on arranged overdraft)

The Student Additions Account helps you stay in control of your finances while you study. By using the Barclays app, you could manage your budget better with features such as:

  • Track your outgoings
  • Set your own spending/cash withdrawal limits
  • Temporarily freeze your card if you’ve misplaced it.

You must:

  • Be 18 years or older
  • Be studying full-time in the UK
  • Have lived in the UK for at least 3 years
  • Intend to use this account as your main bank account where your student loan and/or income will be paid
  • Be studying as part of
  • An undergraduate degree (2 years’ minimum length)
  • A postgraduate degree (1-year minimum length)
  • A Higher Apprenticeship (Level 4+)

How to apply

Download UK App Store or UK Playstore, depending on your device, to get the Barclays app

  • You must to be at your UK address when downloading the app and completing the account opening
  • Have photo ID
  • Full and valid UK or foreign passport with a Machine readable zone
  • Full UK or EU/EEU photocard driving licence
  • Provisional UK photocard driving licence
  • UK biometric resident permit
  • UK mobile number
  • An email address

If you are referred to a branch for any reason, you must make an appointment first, either at a branch or by calling the number given, and you must take all the relevant documents with you.

What you can get:

If you’re a UK student, you don’t need to pay interest on arranged overdrafts up to £1,500.
Our maximum interest-free arranged student overdraft limits are

  • From account opening and during your first term: up to £500
  • Year 1: up to £1,000
  • Year 2 and beyond: up to £1,500

No interest is payable on arranged overdrafts. The maximum arranged overdraft amount could be different than the amounts shown above (subject to application, financial circumstances, borrowing history and lending criteria). Arranged overdrafts are repayable on demand. Interest charges are variable.

General information

  • What is an overdraft?

    An overdraft limit is a borrowing facility which allows you to borrow money through your current account. There are two types of overdraft – arranged and unarranged

  • What is an arranged overdraft?

    An arranged overdraft is a pre-agreed limit, which lets you spend more money than you have in your current account. It can be a safety net to cover short-term outgoings, such as an unexpected bill. It is not suitable for longer-term borrowing. We charge you for every day of the month that you use your arranged overdraft where you go beyond any interest-free limit you may have.

  • What is an unarranged overdraft?

    An unarranged overdraft is when you spend more money than you have in your current account and you have not agreed an arranged overdraft limit with us in advance or you have exceeded an existing arranged borrowing facility.

  • Useful tool

    Our eligibility tool can show you the likelihood of getting an arranged overdraft and the overdraft calculator lets you see how much it could cost to use an overdraft. To use these tools and find out more about overdraft charges, please visit