Graduate Bank Account

Graduate Bank AccountGraduate Bank Account

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Graduate bank accounts are now offered by a number of banks and building societies to those who have graduated university in recent years. Requirements can vary between different organisations, with some graduate bank accounts requiring the customer to have held a student account with the same organisation.

Graduate bank accounts typically contain features such as interest free overdrafts and the potential for tie-in loans. Credit cards can also be included with some accounts, allowing new graduates to help establish a credit history.


 AccountOverdraft (EAR%)FeaturesApply
up to £5000 (from 19.3%)Telephone and Online Banking - Simply, free and easy to use 
0% on arranged overdrafts!Interest free overdrafts 
19.99%A flexible current account for day-to-day banking 
19.24%0.10% interest is calculated daily and paid into your account on a monthly basis 
0% for 12 months, max limit £2500Earn 5.0% on balances up to £2500 
from £1 per day£5 cashback every month you deposit £1000 
from £1 per day£5 cashback every month you deposit £1000 
19.9%£50 cashback for new customers when you switch to HSBC Current Account or Current Account Plus. 
0% for 12 months, max limit £2500Earn 5.0% on balances up to £2500 + get £100 when you switch! 
interest free up to £300 and 16.9% thereafterUp to £213 benefits annually for just £5 per month 
up to £300 interest free (from 12.9% thereafter)Up to £800 of annual benefits for just £15 a month. Includes travel insurance, mobile insurance, breakdown cover and much more! 
18.49%Winter savings worth up to £704 incl. breakdown cover, annual travel insurance and mobile insurance incl. iPhones™. Conditions and monthly fee apply. 
17.00%Winter savings worth up to £704 incl. breakdown cover, annual travel insurance and mobile insurance incl. iPhones™. Conditions and monthly fee apply.