First Trust Student+ Account

Full product details for the First Trust Student+ Account current account, including account details, application criteria, facilities, rates, overdraft, fee & charges, incentives, student & graduate incentives and business accounts.
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5 customers rated their First Trust current account as 2.6 out of 5 in our 2010/2011 Consumer Finance Awards.
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First Trust Student+ Account Features & Benefits

Representative ExampleIf you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable).
Account Typestudent 
Monthly Charge£0There is no monthly charge.
Minimum Monthly Credit£0No minimum monthly credit required.
Interest Free Overdraft LimitvariesThe interest free overdraft available with this account is:Year 1 -£1850 Year 2 -£1850 Year 3 -£1850 Year 4 -£1850
Standard Overdraft Rate0%Authorised overdraft rate is 0%.
Daily Overdraft Charge£0There is no daily authorised overdraft charge.
Headline Interest Rate0%The headline interest rate is 0% AER.
Reward Payment£0No reward payment payable.
Minimum Investment£0The minimum investment is £0.
Internet BankingyesInternet banking is available.
Branch BankingyesThis account can be operated through a branch.
Telephone BankingyesTelephone banking service is available.
Account PromotionsyesMobile phone top-ups available at First Trust cash machines. A loan may be available (subject to status). Commission free foreign currency is available.
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Terms & Conditions
Great article, nice and precise
Rob

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First Trust Plus Current Account

  • Get a transaction charge of £0.
  • The Plus Current Account has a same day cash deposit clearance time.
  • 1 employment day BACS deposit clearance time is available to you.
  • Same day interest rate paid on withdrawals is offered to new customers.
  • Max ATM withdrawal of £500 is offered with Plus Current Account.
  • 2 working days cheque deposit clearance time.

Smile Smilemore (Gadget)

  • Customers get same day BACS deposit clearance time from the Smilemore (Gadget).
  • Mobile phone insurance limit of £1,000 is offered to new customers.
  • Money back of £0.
  • Debit card charge europe of 0 percent is offered.
  • New customers get 15.9% unauthorised overdraft rate from the current account.
  • Customers get cover person in any car breakdown cover from this Smilemore (Gadget).
  • Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 11.9% EAR (variable).

Clydesdale Bank Signature Current Account

  • Purchase charge of £0 is offered with the current account.
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  • A £0.00 overdraft letter charge is offered.
  • Signature Current Account gives an O/D buffer limit of £25.
  • Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 12.5% EAR (variable).

Lloyds TSB Cash Account

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Nationwide Cash Card Account

  • Customers enjoy £0 mthly charge from the current account.
  • The current account gives a £0 direct debit amendment fee.
  • A £1 minimum withdrawal is available.
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Bank of Scotland Vantage Classic Account

  • The current account has a headline interest rate of 3%.
  • Get cheque clearance time of 4 days.
  • Customers get max ATM withdrawal of £300.
  • Bank of Scotland gives rewards payment of £0.
  • Get a minimum extra deposit of £1.
  • Get expense for copy of cheque of £0.
  • Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.28% EAR (variable).
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