Company	Credit Interest ?	Credit Card Limit?	Interest Free o/d per year?	Auth Fees?	Unauth Fees?
Abbey Account The Abbey Account (Student) Package Year 2009/10 Authorised Overdraft: 9.9% APR (0.79% pm) - £1 Unauthorised Overdraft: 28.7% APR (2.12% pm) - £1 After Graduation: Transferred to Graduate account Incentive: £50 cash incentive, paid into the account after one month of it being opened Fee: Nil	1.98%	£350	Year 1 £1000 Year 2 £1250 Year 3 £1500 Year 4 £1800 Year 5+ £2000	Nil	£25 per month
Abbey Account International Student Account Package Year 2009/10 After Graduation: Transferred to Graduate account Fee: £5.00 pm	2.96%	-	None	-	-
Bank of Ireland (NI) Account Student C/A Package Year 2008/09 Authorised Overdraft: 0.0% EAR (0.00% pm) - £1 Unauthorised Overdraft: 12.68% EAR (1.00% pm) - £1 After Graduation: Transfer by 2 years after graduation Incentive: Translink Student Discount card offering discounts on travel in NI, discounts at Domino's Pizza, O'Briens Sandwich Bar, Topshop/Topman & Waterstones Fee: Nil	0.50%	£250	Year 1 £400 Year 2 £500 Year 3 £500 C	Nil	1% pm min £2
Barclays Bank Account Student Additions Package Year 2008/09 Authorised Overdraft: 8.9% EAR (0.72% pm) - £1 to £3K Unauthorised Overdraft: 0.0% EAR (0.00% pm) - £1 After Graduation: Transfer by 2 years after completion of studies Fee: Nil	0.10%	£600	Year 1 up to £1000 Year 2 up to £1250 Year 3 up to £1500 Year 4 up to £1750 Year 5 up to £2000	Nil	£22j
Clydesdale Bank Account Student Account Package Year 2009/10 Authorised Overdraft: Year 1: 7.49% EAR (0.60% pm) - £1 to £1K. Year 2 onwards: 7.49% EAR (0.60% pm) - £1 to £3K Unauthorised Overdraft: 29.99% EAR (2.21% pm) - £1 After Graduation: Transfer by 6 months after graduation Fee: Nil	-	£500	None	Nil	Nil
The Co-operative Bank Account Student Package Year 2009/10 Authorised Overdraft: 9.9% EAR (0.79% pm) - £1 Unauthorised Overdraft: 15.9% EAR (1.24% pm) - £1 After Graduation: Transfer by 12 months after graduation Fee: Nil	-	Neg	Year 1 £1400 Year 2 £1700 Year 3 £2000	Nil	Nil
First Trust Bank (NI) Account Student+ Account Package Year 2008/09 Authorised Overdraft: 0.0% EAR (0.00% pm) - £1 Unauthorised Overdraft: 9.0% ABR + 1.00% pm - £1 After Graduation: Transfer by 2 years after graduation Incentive: Entry into prize draw to win 1 of 100 Student Survival Packs for accounts opened before 10.10.08. Fee: Nil	-	Neg	Year 1 up to £1850 Year 2 up to £1850 Year 3 up to £1850 Year 4 up to £1850	Nil	Nil
HSBC Account Student Bank Account Package Year 2008/09 Authorised Overdraft: 3.0% ABR - £1 After Graduation: Transferred to Graduate account Fee: Nil	2.47%	£500	Year 1 up to £1000 Year 2 up to £1250 Year 3 up to £1500 Year 4 up to £1750 Year 5+ up to £2000	Nil	-
Halifax Account Student Package Year 2008/09 Authorised Overdraft: 7.2% EAR (0.58% pm) - £1 Unauthorised Overdraft: 24.2% EAR (1.82% pm) - £1 After Graduation: Transfer by 12 months after graduation Incentive: Discounts on AA breakdown and Cardcare cover Fee: Nil	0.10%	Neg	Year 1 up to £3000 Year 2 up to £3000 Year 3 up to £3000 Year 4 up to £3000 Year 5+ up to £3000	Nil	£28 pm
Lloyds TSB Account Student Package Year 2009/10 Authorised Overdraft: 8.2% EAR (0.66% pm) - £1 Unauthorised Overdraft: 8.2% EAR (0.66% pm) - £1 After Graduation: Transfer by 30 September after graduation Fee: Nil	0.10%	£500	Year 1 £1500 Year 2 £1500 Year 3 £1500 Year 4 £2000 Year 5 £2000 Year 6 £2000	Nil	£15 pmG
Lloyds TSB Account Islamic Student Account Package Year 2009/10 Authorised Overdraft: 0.0% EAR (0.00% pm) - £1 Unauthorised Overdraft: 0.0% EAR (0.00% pm) - £1 After Graduation: Transfer by 30 September after graduation Fee: Nil	-	-	Year 1 £1500 Year 2 £1500 Year 3 £1500 Year 4 £2000 Year 5 £2000 Year 6 £2000	Nil	£15pmG
NatWest Account Student Package Year 2008/09 Unauthorised Overdraft: 17.81% EAR (1.38% pm) - £1 After Graduation: Transferred to Graduate account Incentive: 5 Year 16-25 Rail Card (worth £120). Fee: Nil	0.10%	£500	Year 1 up to £1250 Year 2 up to £1400 Year 3 up to £1600 Year 4 up to £1800 Year 5 up to £2000	-	Nil
Royal Bank of Scotland Account Student Royalties Package Year 2008/09 Unauthorised Overdraft: 29.84% EAR (2.20% pm) - £1 After Graduation: Transfer by 12 months after graduation Incentive: Free webcam with online applications. Discounts on shopping, entertainment and selected holidays Fee: Nil	1.02%	£500	Year 1 up to £2750 Year 2 up to £2750 Year 3 up to £2750 Year 4 up to £2750 Year 5 up to £2750	-	£10 pm
Smile Account Student Account Package Year 2009/10 Authorised Overdraft: 9.9% EAR (0.79% pm) - £1 Unauthorised Overdraft: 15.9% EAR (1.24% pm) - £1 After Graduation: Transfer by 4 years from account opening Fee: Nil	0.12%	Neg	Year 1 £1000 Year 2 £1400 Year 3 £1800 Year 4 £2000	Nil	Nil
Ulster Bank Account Student Account Package Year 2009/10 Authorised Overdraft: Negotiable - £1 Unauthorised Overdraft: 12.7% EAR (1.00% pm) - £1 After Graduation: Transfer by 1 year after graduation Incentive: Discounts at Toshiba laptops, 3 Mobile, EA mobile Games, Squirrel save and a complimentary make-up lesson at Benefit Cosmetics Fee: Nil	0.01%	£350	Year 1 up to £1250 Year 2 up to £1400 Year 3 up to £1600 Year 4 up to £1800 Year 5 up to £2000	Nil	Nil
Yorkshire Bank Account Student Account Package Year 2009/10 Authorised Overdraft: Year 1: 7.49% EAR (0.60% pm) - £1 to £1K. Year 2 onwards: 7.49% EAR (0.60% pm) - £1 to £3K Unauthorised Overdraft: 29.99% EAR (2.21% pm) - £1 After Graduation: Transfer by 6 months after graduation Fee: Nil	-	£500	None	Nil	Nil

Company

Credit
Interest
?

Credit
Card
Limit?

Interest
Free o/d
per year?

Auth
Fees?

Unauth
Fees?

Account
Features?

Abbey
Account The Abbey Account (Student)
Package Year 2009/10
Authorised Overdraft: 9.9% APR (0.79% pm) - £1
Unauthorised Overdraft: 28.7% APR (2.12% pm) - £1
After Graduation: Transferred to Graduate account
Incentive: £50 cash incentive, paid into the account after one month of it being opened
Fee: Nil

1.98%

£350

Year 1 £1000
Year 2 £1250
Year 3 £1500
Year 4 £1800
Year 5+ £2000

Nil

£25 per month

Abbey
Account International Student Account
Package Year 2009/10
After Graduation: Transferred to Graduate account
Fee: £5.00 pm

2.96%

None

Bank of Ireland (NI)
Account Student C/A
Package Year 2008/09
Authorised Overdraft: 0.0% EAR (0.00% pm) - £1
Unauthorised Overdraft: 12.68% EAR (1.00% pm) - £1
After Graduation: Transfer by 2 years after graduation
Incentive: Translink Student Discount card offering discounts on travel in NI, discounts at Domino's Pizza, O'Briens Sandwich Bar, Topshop/Topman & Waterstones
Fee: Nil

0.50%

£250

Year 1 £400
Year 2 £500
Year 3 £500 C

Nil

1% pm min £2

Barclays Bank
Account Student Additions
Package Year 2008/09
Authorised Overdraft: 8.9% EAR (0.72% pm) - £1 to £3K
Unauthorised Overdraft: 0.0% EAR (0.00% pm) - £1
After Graduation: Transfer by 2 years after completion of studies
Fee: Nil

0.10%

£600

Year 1 up to £1000
Year 2 up to £1250
Year 3 up to £1500
Year 4 up to £1750
Year 5 up to £2000

Nil

£22j

Clydesdale Bank
Account Student Account
Package Year 2009/10
Authorised Overdraft: Year 1: 7.49% EAR (0.60% pm) - £1 to £1K. Year 2 onwards: 7.49% EAR (0.60% pm) - £1 to £3K
Unauthorised Overdraft: 29.99% EAR (2.21% pm) - £1
After Graduation: Transfer by 6 months after graduation
Fee: Nil

£500

None

Nil

The Co-operative Bank
Account Student
Package Year 2009/10
Authorised Overdraft: 9.9% EAR (0.79% pm) - £1
Unauthorised Overdraft: 15.9% EAR (1.24% pm) - £1
After Graduation: Transfer by 12 months after graduation
Fee: Nil

Neg

Year 1 £1400
Year 2 £1700
Year 3 £2000

Nil

First Trust Bank (NI)
Account Student+ Account
Package Year 2008/09
Authorised Overdraft: 0.0% EAR (0.00% pm) - £1
Unauthorised Overdraft: 9.0% ABR + 1.00% pm - £1
After Graduation: Transfer by 2 years after graduation
Incentive: Entry into prize draw to win 1 of 100 Student Survival Packs for accounts opened before 10.10.08.
Fee: Nil

Neg

Year 1 up to £1850
Year 2 up to £1850
Year 3 up to £1850
Year 4 up to £1850

Nil

HSBC
Account Student Bank Account
Package Year 2008/09
Authorised Overdraft: 3.0% ABR - £1
After Graduation: Transferred to Graduate account
Fee: Nil

2.47%

£500

Year 1 up to £1000
Year 2 up to £1250
Year 3 up to £1500
Year 4 up to £1750
Year 5+ up to £2000

Nil

Halifax
Account Student
Package Year 2008/09
Authorised Overdraft: 7.2% EAR (0.58% pm) - £1
Unauthorised Overdraft: 24.2% EAR (1.82% pm) - £1
After Graduation: Transfer by 12 months after graduation
Incentive: Discounts on AA breakdown and Cardcare cover
Fee: Nil

0.10%

Neg

Year 1 up to £3000
Year 2 up to £3000
Year 3 up to £3000
Year 4 up to £3000
Year 5+ up to £3000

Nil

£28 pm

Lloyds TSB
Account Student
Package Year 2009/10
Authorised Overdraft: 8.2% EAR (0.66% pm) - £1
Unauthorised Overdraft: 8.2% EAR (0.66% pm) - £1
After Graduation: Transfer by 30 September after graduation
Fee: Nil

0.10%

£500

Year 1 £1500
Year 2 £1500
Year 3 £1500
Year 4 £2000
Year 5 £2000
Year 6 £2000

Nil

£15 pmG

Lloyds TSB
Account Islamic Student Account
Package Year 2009/10
Authorised Overdraft: 0.0% EAR (0.00% pm) - £1
Unauthorised Overdraft: 0.0% EAR (0.00% pm) - £1
After Graduation: Transfer by 30 September after graduation
Fee: Nil

Year 1 £1500
Year 2 £1500
Year 3 £1500
Year 4 £2000
Year 5 £2000
Year 6 £2000

Nil

£15pmG

NatWest
Account Student
Package Year 2008/09
Unauthorised Overdraft: 17.81% EAR (1.38% pm) - £1
After Graduation: Transferred to Graduate account
Incentive: 5 Year 16-25 Rail Card (worth £120).
Fee: Nil

0.10%

£500

Year 1 up to £1250
Year 2 up to £1400
Year 3 up to £1600
Year 4 up to £1800
Year 5 up to £2000

Nil

Royal Bank of Scotland
Account Student Royalties
Package Year 2008/09
Unauthorised Overdraft: 29.84% EAR (2.20% pm) - £1
After Graduation: Transfer by 12 months after graduation
Incentive: Free webcam with online applications. Discounts on shopping, entertainment and selected holidays
Fee: Nil

1.02%

£500

Year 1 up to £2750
Year 2 up to £2750
Year 3 up to £2750
Year 4 up to £2750
Year 5 up to £2750

£10 pm

Smile
Account Student Account
Package Year 2009/10
Authorised Overdraft: 9.9% EAR (0.79% pm) - £1
Unauthorised Overdraft: 15.9% EAR (1.24% pm) - £1
After Graduation: Transfer by 4 years from account opening
Fee: Nil

0.12%

Neg

Year 1 £1000
Year 2 £1400
Year 3 £1800
Year 4 £2000

Nil

Ulster Bank
Account Student Account
Package Year 2009/10
Authorised Overdraft: Negotiable - £1
Unauthorised Overdraft: 12.7% EAR (1.00% pm) - £1
After Graduation: Transfer by 1 year after graduation
Incentive: Discounts at Toshiba laptops, 3 Mobile, EA mobile Games, Squirrel save and a complimentary make-up lesson at Benefit Cosmetics
Fee: Nil

0.01%

£350

Year 1 up to £1250
Year 2 up to £1400
Year 3 up to £1600
Year 4 up to £1800
Year 5 up to £2000

Nil

Yorkshire Bank
Account Student Account
Package Year 2009/10
Authorised Overdraft: Year 1: 7.49% EAR (0.60% pm) - £1 to £1K. Year 2 onwards: 7.49% EAR (0.60% pm) - £1 to £3K
Unauthorised Overdraft: 29.99% EAR (2.21% pm) - £1
After Graduation: Transfer by 6 months after graduation
Fee: Nil

£500

None

Nil