Smile Student Current Account
Full product details for the Smile Student Current Account, including account details, application criteria, facilities, rates, overdraft, fee & charges, incentives, student & graduate incentives and business accounts.
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Smile Student Current Account Features & Benefits
| Representative Example | If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable). | |
| Account Type | student | |
| Monthly Charge | £0 | There is no monthly charge. |
| Minimum Monthly Credit | £0 | The minimum monthly credit required is £0. |
| Interest Free Overdraft Limit | varies | The interest free overdraft available with this account is:Year 1 -£1000 Year 2 -£1400 Year 3 -£1800 Year 4 -£2000 |
| Standard Overdraft Rate | 0% | Authorised overdraft rate is 0%. 9.9% EAR for formal overdrafts above this limit. |
| Daily Overdraft Charge | £0 | There is no daily authorised overdraft charge. |
| Headline Interest Rate | 0.12% | The headline interest rate is 0.12% AER. |
| Reward Payment | £0 | There is no reward payment. |
| Minimum Investment | £0 | The minimum investment is £0 although the debit card and cheque book will not be issued until at least £300 has been deposited or an LEA grant cheque, or a student loan (proof will be required that the customer has a minimum funding of £2,500). |
| Internet Banking | yes | Internet banking is available. |
| Branch Banking | no | This facility is not available. |
| Telephone Banking | yes | Telephone banking service is available. |
| Account Promotions | no | None. |
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Compare Smile Student Current Account With These Current Accounts
Bank of Ireland Clear Account - Level 2
- Rewards payment of £0 is offered.
- O/D letter charge of £0.00 is available with Clear Account - Level 2.
First Trust Classic Account
- Customers benefit from 0% ATM withdrawal fee UK from this current account.
- Get £1 minimum withdrawal.
- Have the benefit of a mthly charge of £0 from the current account.
Northern Bank Northern Prestige
- The current account offers a £500 max ATM withdrawal.
- You get £0 cash back from this Northern Prestige.
- 2 employment days cheque deposit clearance time.
- This current account offers an expense for copy of cheque of £0.
Barclays Additions Active
- Get cheque clearance time of 4 days.
- 0 percent ATM withdrawal expense UK is offered to new customers.
- The Barclays Additions Active current account has an average overdraft rate of 18.3%.
- £0 minimum extra deposit is offered to new customers.
- Representative Example: Up to £300, 0% interest per annum (variable). £301-£5,000, 18.3% interest per annum (variable). Subject to status and application.
Ulster Bank U First Private Account
- Benefit from limitless maximum high interest balance from Ulster Bank.
- New customers get same day interest paid on withdrawals from the current account.
- You get £0 money back from this current account.
- Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 10.5% EAR (variable).
Barclays Graduate Additions
- Graduate Additions offers a cash back of £0.
- Debit card charges europe of 0 percent.
- £0 payment for copy of cheque is offered.
- This current account offers a standing order cost of £0.
- Cheque clearance time of 4 days.
- Take advantage of an O/D letter charge of £0.00 from this Graduate Additions.
- Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 0% EAR (variable).
