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# How To Find The Best Student Bank Account - Avoid The Gimmicks

### 3 Good Student Banks Accounts

> The Halifax Student Current Account
> - Not many gimmicks which itself is actually promising -

> - 10% discount on Travel insurance (but this is likely to be overpriced anyway) get a quote from them anyway if you're interested
> - 25% off a year's AA membership

- A flat rate £2,750 interest free overdraft per year which is outstanding, it blows away the competition
- The usual debit card and offers of credit card etc, internet banking as well
- 24.2% interest rate charged if you go above the £2,750 interest free overdraft - this rate is not good but the large initial overdraft level should be more than enough for most students especially when you see what the other banks are offering
- Halifax student account
Lloyds TSB’s Student Bank Account

> - First the signup gimmicks which aren’t actually that bad

> > - Free iPod shuffle worth about £50
> > - 1 year’s free Youth Hostel Association (YHA) membership worth about £10

> - Lloyds don’t offer a tiered interest free overdraft rather a flat £1,500 each year for 3 years (if the course lasts longer than 3 years they’ll up the overdraft level to £2,000 in year 4 )
> - If you breach these limits but agree an overdraft extension (unlikely) the interest rate will be 7.4%
> - Without this agreement the interest charged shoots up to a crazy, incredibly expensive and quite frankly offensive 29.9% (plus just to rub it is a fee of £30 a day, maximum £90 a month)
> - Debit card, option a credit card and interest banking facility etc
> - More details on this link of the Lloyds TSB website

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