Where should I bank?

By This Is Money
Updated: 00:00 BST, 18 September 1999

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What is the best student account? SC, Kilmarnock.

Linda Whitney says: it depends what you want. Work out your 優先s - do you want a 解放する／自由な overdraft or low overdraft 率s, an easily accessible cash machine, high credit card 限界 or low card 利益／興味 率 or 簡単に a good 解放する／自由な gift?

A 最近の 調査する by Money Ma il 裁判官d Lloyds/TSB, NatWest and Barclays to be best for borrowing, with 解放する／自由な overdrafts 範囲ing up to £2,000 in some 事例／患者s, while most accessible were 王室の Bank of Scotland, Halifax and Barclays, 裁判官d by number of 解放する／自由な cash machines, but 明白に the most accessible for you will depend on where you 熟考する／考慮する and live.

Best give-away was 裁判官d to be Barclays with bookshop 保証人／証拠物件s, 動きやすい phone or electronic organiser. Barclays （機の）カム out best 全体にわたる.

Watch out for high 告発（する），告訴（する）／料金s on unauthorised overdrafts that go over the 解放する／自由な 限界 - you could 支払う／賃金 20-30%. And 公式文書，認める that high overdrafts are often 限られた／立憲的な to students taking four or five year courses. Credit card 率s are usually high too - it's often cheaper for students to 延長する their overdrafts (with the bank's 協定) than 支払う／賃金 by credit card. What's more, before you open an account check whether you 会合，会う the bank's 鮮明度／定義 of a student.