Everything you need in one place for life after graduation
Overlay
Existing customers
Get more from Royal Bank
Tools to help on your graduate journey
Interest-free graduate overdraft
An arranged overdraft allows you to go overdrawn up to an agreed limit. So, if payday is still a long way off and you’re short of cash, an arranged overdraft could help to cover an unplanned expense. Think of it as a short-term safety net.
Information Message
Overdrafts are a way of borrowing money and you're responsible for repayments if you decide to use one. If you're unable to repay what is owed, you could impact your credit score, which most lenders use to decide whether they'll lend to you.
Interest-free limits
- Interest-free overdraft of up to £3,250 (for your first year after graduation).
- Year 2: £2,250 interest-free limit.
- Year 3: £1,250 interest-free limit
- Get handy text alerts to help you stay on top.
Information Message
Applying is really quick
- Applying through Online Banking takes around 5 minutes.
- Get an instant decision if you bank online with us.
Information Message
Access your funds, fast, once approved
- If your overdraft is approved, it’ll normally be available the next working day. But there might be a few exceptions to be aware of.
Information Message
Information Message
Graduate arranged overdrafts are only available to eligible UK residents who have a Royal Bank Graduate bank account. Subject to lending criteria. Over 18s only.
Keep track of spending
Ever got to the end of a month and wondered where your money went? Well wonder no more. Our expense tracker feature ‘Spending’ within the app tells you everything you need to know, from categorising your spend to surfacing personalised insights. You can even set budgets to help you track your spending. You can also get spending notifications every time you use your card.
Book a Financial Health Check
Whether you're on top of your finances or feel like you've been burying your head in the sand, we're here to help.
Our free Financial Health Check is a review of your personal finances, giving helpful hints, tips and ideas to help you get financially fitter both now and in the future.
You can complete an online review in under 5 minutes. If you’d rather speak to someone, you can book a video appointment or arrange to speak to someone over the phone or in a branch. These appointments usually last around one hour.
Check your credit score for free
Our personalised tips could help you improve your credit score and kick-start a brighter financial future. The higher your score, the more likely you are to get better deals and interest rates.
Credit score available once opted in through the app, to customers aged 18+, with a UK address and data is provided by TransUnion.
Request money or split a bill
Get paid back without the faff of sharing bank details. Ask someone for money you're owed through the Royal Bank app.
- Send a payment link via your device sharing options.
- Show your QR code to get paid by someone nearby.
- Or use Split the bill to share the cost of a transaction with friends.
Go to 'Payments' then 'Request money' to find these handy features.
Eligibility criteria and limits apply.
Information Message
Renters Insurance
Insuring your belongings is a wise move, especially during your student years. Take a look at Renters insurance to see if it suits your needs.
Information Message
Ready to start saving?
Life is full of big moments, and putting money aside regularly could help you be ready. But there’s no one-size-fits-all, you might:
- Need fast access to your cash
- Be looking for better interest rates on your nest egg
- Have spare cash and looking to save for a longer term.
Whatever the goal we could have a Royal Bank Savings Account for you. Specific account eligibility critieria apply.
Find the right account for you
If you'd prefer one of our other accounts, you can change your current account online. It's quick and easy to change.
- View our current account range. Specific account eligibility criteria apply. Monthly fees may apply.
- After choosing your preferred account option, follow the steps to apply for that account.
- When applying, make sure to choose the ‘change my existing account’ option and complete the application form.
Get set up for travelling
Apply for our travel account to spend your holiday euros like a local.
Our travel account links euros to your existing current account debit card, so you can spend euros without non-sterling fees when making purchases abroad.
You can use the app to:
- Open your travel account within minutes
- Track your euro spend to help you separate your holiday pot
- Exchange your euros between your linked current account and the Travel account
Available to existing sole account holders of eligible current accounts who are registered for mobile banking and are UK residents over 18.
