Changes to your student circumstances

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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.

    Find out more about FlexGraduate

    Getting the most from your account

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    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:

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      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.

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        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.

          Find out more

          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).

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            Support with your account

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            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.

              Find out more

              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.

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                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.

                For new accounts, we changed this on the 1 September 2017 to at least £500 per term from the date the account was opened.

                Existing account holders could still choose to pay in £1,500 in two or more transactions for a while, but this stopped on 31 July 2018.

                Now we can only accept £500 per term from the date the account was opened.

                For further support, take a look at our current account support pages