Student Banking


Avoid Pay Day Loans as a Student

Avoid Pay Day Loans as a Student

Life as a student involves copious amounts of budgeting. If you don’t budget, your loans and grants will soon dwindle away – leaving you with precisely no money to cover bills with – and no money to buy food with. Even if you do budget you may still fall on hard times occasionally. In this article we’ll outline the main reasons why it’s important for students to stay well away from pay day loans as a source of cash. High interest rates: As if you didn’t know ...

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Taking out your First Credit Card or Loan: The Cost of Borrowing Money

Taking out your First Credit Card or Loan: The Cost of Borrowing Money

Borrowing money isn’t free, and it isn’t cheap. There are lots of different ways in which you can borrow money should you need to do so. Different lending packages are for different uses, and have different typical terms (some are long term, other forms of borrowing are temporary or short term). The thing to remember with loans and other form of borrowing is that the higher the interest rate is, the more expensive that money is to borrow – it’s pretty simple ...

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What’s the Best Credit Option for you?

What’s the Best Credit Option for you?

Different types of credit come with different merits. Some forms of borrowing are easily accessible and ideal for people who need money at short notice or in an emergency. Other forms of borrowing are harder to obtain, but the longer term nature of borrowing and the lower interest rates makes them a better deal for borrowers. It’s totally up to you what kind of credit you opt for, but we’ve decided to put together a short list on the best credit options for ...

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Student Food Shopping

Student Food Shopping

One of the biggest challenges any student will face is budgeting – and one of the biggest obstacles you’ll have to overcome when doing your budgeting is food shopping. If you’ve always relied on parents to feed you and stock up the fridge you’re in for a big shock – because food is pretty damn expensive! Food shopping is one of the main ways in which you’ll learn to look after yourself. Here are some top tips for those students embarking upon their very ...

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How to Check your Credit Score or History

How to Check your Credit Score or History

Your credit score is really important even though you might not realize it. Your credit score determines your ability (or inability) to obtain finance such as loans, overdrafts, credit cards, and even insurance. It’s imperative that you understand that your credit score stays looking healthy – because if you get any bad marks on your credit history your ability to obtain credit can be greatly reduced. There are several main credit rating agencies out there. ...

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How to Improve your Credit Rating

How to Improve your Credit Rating

Before you can think about improving your credit rating, it’s important that you first understand what it actually is. Each time you take out a loan, an overdraft, a credit card or another form of debt, you’re adding a new chapter to your credit history. A credit history is basically just a report on someone to say how reliable or unreliable they are when it comes to repaying money that they owe. Credit histories are usually given a score – typically the higher ...

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Tips for Choosing a Student Current Account

Tips for Choosing a Student Current Account

5 Important Tips To Consider When Choosing a Student Bank Account One of the most important decisions you’ll have to make before you scurry off to university to start your new life as a student is which bank account to go for. All of the high street banks tend to offer different deals on their student accounts, so before you set off for uni it’s a good idea to set aside a whole day in order to locate the account that’s best for you, and to go into the branch ...

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