Student bank accounts offered in 2007 are compared below. This includes HSBC, Barclays, NatWest and Abbey's student bank accounts. You're supposed to only take one student account, but most of us have two or more, and use both the overdrafts. But make sure you don't get caught up!
Provider name
Incentives
Overdraft
Credit interest rate
Phone banking
Internet banking
Credit card limit
Abbey National
Zilch!
£1,000 in year 1 rising to £1,800 in year 4
£1+ 2.5%
Yes
Yes
Not applicable
Barclays
£30 HMV voucher + 3 year Nat Express card, range of discounts
£1,000 in year 1 rising to £2,000 in year 5
£1+ 0.10%
Yes
Yes
Fee free, £30 HMV voucher
Co-operative Bank
Zilch!
£1,000 in year 1 rising to £2,000 in year 4
None
Yes
Yes
Negotiable
Halifax
Zilch!
£1,250 in year 1 rising to £2,000 in year 5
£1+ 2.53%
Yes
Yes
Negotiable
HSBC
£50 cash plus discounts on driving lessons &broadband
student finance UK - for students, by students 
