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FlexStudent bank account

The student bank account for you while you're at uni. Join over 40,000 students who opened a FlexStudent last year and picked up an interest-free overdraft and our exclusive offers.

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£100 and free food. Our treat.

Starting uni this year? Open our student bank account, pay in £500 before 12 December 2025 and get these offers:

  1. £100 cash

    For whatever you like.

  2. £120 in Just Eat vouchers

    Tuck in with a £10 voucher every month for 12 months.

  3. A refer a friend bonus

    £40 in Just Eat vouchers if 2 freshers open a FlexStudent. Terms apply.

More reasons to open a Nationwide student bank account

Heading to uni? You'll need a student bank account. And ours comes with some nice extras to help you through your studies.

  • An interest-free arranged overdraft
    Apply to borrow up to £1,000 in your first year, £2,000 in your second year and £3,000 in your third year.
  • No Nationwide fees for using your debit card abroad
    We won't charge you for using your card while you’re on holiday.
  • Access to our member-only products
    Our student bank account gives you access to exclusive products. Like our Flex Regular Saver savings account.

  • You could get a Fairer Share Payment
    If you save with us and have a FlexStudent, you could get our Fairer Share Payment. For the last 3 years running, we’ve given £100 to eligible members. Terms apply.

Our interest-free arranged overdraft

Our student bank account comes with an optional overdraft that's interest-free. So if you find you're a bit short, you can dip into it without worrying about paying extra.

Ready to apply?

You can apply for a FlexStudent if you:

  • are 18 or older and have lived in the UK for at least 3 years
  • are able to pay in at least £500 each term
  • start your course in the next 5 months, or have been on a course for less than 12 months
  • have an unconditional or conditional offer on a full-time UCAS course of at least 2 years
  • do not have another student bank account (if you do, you could switch it to Nationwide)

Apply for FlexStudent

Apply for a new FlexStudent here. You'll need your 4-digit UCAS code.

The Nationwide Fairer Share Payment

If you save and bank with us, you could get an annual Fairer Share Payment. And that adds up: some members have received £300 in Fairer Share Payments since 2023.

We'd like to make Fairer Share Payments every year, but it depends how we perform financially. For future payments, we may change the eligibility criteria and the amount we pay.

More about the 2025 Fairer Share Payment

Bank where you are with our app

Our banking app has what you need at your fingertips. Rated 4.8 stars on the App Store and 4.3 stars on Google Play (ratings for the phone app as of June 2025).

  1. Make payments

    Send money to friends and family and pay bills.

  2. Bank and buy securely

    Log in with your fingerprint or face. Quickly confirm it's you when you make a big purchase.

  1. Control your card

    Freeze your debit card if it gets lost or stolen. Unfreeze it if it turns up or order a replacement if it doesn't.

  2. Saving made easier

    If you have a savings account, set up a savings goal and start putting money away for that holiday or car.

One of the best student bank accounts you can get.

FlexStudent has a Five-Star Rating from Moneyfacts. They compare thousands of products to recognise those that stand out from everyone else.

Already taken up our student offers?

Already enjoying your Just Eat vouchers? Log in to the voucher portal to get your next voucher or friend referral codes. You can also get help if you need it.

Log in to the voucher portalStudent offer FAQs

Our top student money management tips

Starting university is an exciting time. But it's normal to feel worried about managing your money by yourself.

Before you head off, read our top tips so you can feel more prepared. We've got a guide on how to get ready and how to budget while at uni.

Our guide to managing your money

FAQs

Need help with your account?

Our current account help section has the answers to our most commonly asked questions

We also have a quick guide to using your current account covering your everyday banking.

If you took up our £100 cash and Just Eat vouchers offer, you can find help on our FlexStudent offer help page.

Are you an international student?

You need to have been a UK resident for 3 years or more to apply for a FlexStudent account.

If you live in the UK, we have other current accounts that might be right for you.

Compare our bank accounts

Protecting your money

The Financial Services Compensation Scheme (opens in a new window) (FSCS) is a free, independent service that protects up to £85,000 of your eligible money at Nationwide.

Find out more about the FSCS - PDF, 2MB (opens in a new window)