Features & benefits

Your overdraft explained

Important information

How to apply

Help & support

We're committed to supporting you through university

Changes to your student circumstances

If you leave your course before completing it, you'll need to let us know and we'll discuss your options.

You can:

We’ll close your FlexStudent account but you may choose to open one of our other current accounts that suits your needs.

You’ll need to let us know so that we can keep your details up to date and are able to give you the right support when you need it.

The sorts of things we need to know about are:

  • changes to your personal details, such as your name, address, email, phone number; or
  • if your course details change, for example you change or extend your course or take time out of your studies. We may ask you for evidence of any changes.

You can:

Some changes, such as a change of course, can only be made in branch or over the phone, especially where evidence is required.

When you graduate from your course, unless you make alternative arrangements with us, we'll move your account to a FlexGraduate account.  We’ll ask you to start paying back your overdraft in clear and steady steps.

Getting the most from your account

If you bank online or use our Banking App, you can register within the 'Manage my details & settings' section.

If you don't bank online, please either:

Paym is a free service that lets you send and receive money securely to and from your friends and family using just a mobile phone number.

Make in store and in app payments using just your mobile. †

Remember, if you register for mobile payments and you lose your card, you’ll still be able to make payments (up to £30) until your replacement card is received.

Whether you’re going on holiday, taking a long trip or gap year, or even planning to work abroad for a while, it’s important to get the travel basics right. That way, you’ll save money and hassle.

You can use your FlexStudent debit card overseas to make purchases and withdraw cash from the cash machines. We do not charge any fees for using your card abroad.

Our handy guide has all the things you need to know before you set off and while you're away (including charges for using your card abroad) – plus our emergency numbers, just in case.

Support with your account

If you’ve lost your card or think it’s been stolen, call us immediately. We’re here 24 hours a day, 7 days a week.


Remember if you're registered for Apple Pay/Android Pay, you can continue to use them to make purchases while you wait for your new card to arrive.

Please get in touch. The earlier you talk to us, the sooner we can help you get things back on track.

We've got loads of useful information and helpful links in our money worries support section.

This can often be caused by a retailer having a trading name that is different to the actual shop or company name that you might be more familiar with.

You should check your account regularly and tell us straight away if there are any transactions which you weren’t expecting or you don’t recognise.

When we talk about a term, we mean the following three periods during a study year:

  • Autumn term - 1 September to 31 December
  • Spring term - 1 January to Easter Sunday
  • Summer term - Easter Monday to 31 July

In order to be eligible for the FlexStudent overdraft, we ask that you pay in at least £500 in each of these terms from the date the account is opened.

From 1 September 2017 at least £500 per term from the date the account was opened must be paid into the account.

However, if you opened your FlexStudent account before 1 October 2017, you can still pay in the previous amount of £1,500 in two or more transactions until the end of July 2018.

Your student money

University here you come!

Moving away, making friends, managing your money: there’s so much to think about as a new student.

Visit yourstudentmoney.co.uk for the big picture on student life… what you’ll need to know from taking control of your finances and where to go for funding, through to finding the best student deals!

How to contact us

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† Available on selected Apple devices only and Android devices using Android 4.4 (KitKat®) and higher. In app payments are not currently available through Samsung Pay.
Apple Pay is a trademark of Apple Inc. registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
*Android Pay and Google Play are trademarks of Google Inc. Samsung and Samsung Pay are trade marks or registered trade marks of Samsung Electronics Co., Ltd. Use only in accordance with the law. Samsung Pay is available on select Samsung devices.