{"id":9787,"date":"2021-05-03T13:53:31","date_gmt":"2021-05-03T08:23:31","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=9787"},"modified":"2023-11-29T12:00:40","modified_gmt":"2023-11-29T06:30:40","slug":"student-overdraft-everything-you-need-to-know","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/student-overdraft-everything-you-need-to-know\/","title":{"rendered":"A Quick Guide on What is a Student Overdraft You Need To Know"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/unicreds.com\/blog\/student-overdraft-everything-you-need-to-know\/#What_Is_A_Student_Overdraft_And_How_Does_It_Work\" >What Is A Student Overdraft And How Does It Work?&nbsp;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/student-overdraft-everything-you-need-to-know\/#Key_Features_How_To_get_Out_of_Your_Student_Overdraft\" >Key Features: How To get Out of Your Student Overdraft<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/student-overdraft-everything-you-need-to-know\/#Tips_To_Utilise_The_Overdrafts_In_Best_Possible_Manner\" >Tips To Utilise The Overdrafts In Best Possible Manner<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/unicreds.com\/blog\/student-overdraft-everything-you-need-to-know\/#How_To_Get_Out_of_Your_Student_Overdraft\" >How To Get Out of Your Student Overdraft?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/unicreds.com\/blog\/student-overdraft-everything-you-need-to-know\/#Conclusion_on_How_to_Get_Out_of_Your_Student_Overdraft\" >Conclusion on How to Get Out of Your Student Overdraft<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p>Being a student myself I understand that the financial burden at times can be very high. Often the maintenance loans barely cover the rent and the general living expenses. In such situations where the funds are running low, a student bank account overdraft can be of huge help. It is a good way of juggling your money. You may ask, what is a student overdraft? This guide &#8211; \u2018Student Overdraft: Everything You Need To Know\u2019 &#8211; will explain everything that student overdraft entails.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_A_Student_Overdraft_And_How_Does_It_Work\"><\/span><strong>What Is A Student Overdraft And How Does It Work?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Let\u2019s get to the basics first. What is an overdraft? An overdraft is where you can spend more than what\u2019s in your current account. It will be up to a pre-agreed set amount and you may be charged interest for using it.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>About Student Overdraft<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>Student overdrafts work in a similar fashion but these are usually interest-free. It means that you may borrow some money for unprecedented situations (maybe towards the end of the term). For example, you have used all your money and now you must buy a big fat textbook, so you can borrow money for this. Keep in mind that overdraft isn\u2019t free money so you will have to repay it. However, since it is a student overdraft you won\u2019t be charged any interest (unlike your student loans).<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Understanding Student Overdraft<\/strong><\/p>\n\n\n\n<p>So..what happens to student overdraft when you graduate?<\/p>\n\n\n\n<p>To make it clearer, let\u2019s take an example. Suppose if you have \u00a3500 in the bank but you manage to spend \u00a3600, your bank balance will show -\u00a3100. But if your account has a pre-arranged overdraft agreed limit of say, \u00a31000, your statement will show you have an available balance of \u00a3900.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Debt is never a good thing, but a student overdraft is an excellent buffer to keep up your sleeve, in case of emergencies.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>There are <strong>two stages<\/strong> of a student overdraft. The first one is the <strong>Arranged Overdraft<\/strong> wherein there is a set pre-agreed amount that the student can borrow. There won\u2019t be any interest or transaction charges on this amount (at least until you\u2019re a student). Another one is the <strong>Unarranged Overdraft<\/strong> wherein you exceed the pre-agreed amount. In this case, the bank has the authority to charge you fees so avoid it as much as possible.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Features_How_To_get_Out_of_Your_Student_Overdraft\"><\/span><strong>Key Features: How To get Out of Your Student Overdraft<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Here are a few things that you should keep in mind before walking towards a bank to create a student overdraft. Oh, if you\u2018re wondering which bank to approach then you should consider reading our recommendation of <a href=\"https:\/\/unicreds.com\/blog\/top-uk-bank-accounts-for-international-students\" target=\"_blank\" rel=\"noreferrer noopener\">top UK bank accounts for students<\/a>. Let\u2019s have a look at the features.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Overdrafts aren\u2019t free money. They are essentially just another type of loan and you have to repay them. So borrow less in order to pay less tomorrow. Also, use them only in dire situations.&nbsp;<\/li>\n\n\n\n<li>The bank holds the right to cancel your overdraft at any time. This is hidden somewhere or the other in their terms and conditions. However, they will inform you in advance so keep a check on all emails you receive from the banks.<\/li>\n\n\n\n<li>You will be charged heavily if you run above your overdraft limit. Worry not, below I have provided the tips to ensure you don\u2019t face that situation.<\/li>\n\n\n\n<li>You can usually have only one student bank account overdraft. So don\u2019t listen to your friends who say that if you have exhausted the limit of one account just go open another one.&nbsp;<\/li>\n\n\n\n<li>Your credit rating is affected by student overdraft. Don\u2019t keep running out of your allotted amount every now and then or else you\u2019ll face the consequences for the rest of your life.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<p>Recommended Reading: <a href=\"https:\/\/unicreds.com\/blog\/fund-your-studies-in-the-uk\" target=\"_blank\" rel=\"noreferrer noopener\">Different ways to fund your studies in the UK<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tips_To_Utilise_The_Overdrafts_In_Best_Possible_Manner\"><\/span><strong>Tips To Utilise The Overdrafts In Best Possible Manner<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>If you do not pay attention to your overdraft balance, chances are high that you\u2019ll run into an<em> Unarranged Overdraft<\/em> and incur heavy charges. You are likely to get charged <strong>around \u00a313<\/strong> as a monthly fee for going over an arranged overdraft limit of \u00a3500 for 30 days. This guide -\u2018Student Overdraft: Everything You Need To Know\u2019- will be incomplete if I don\u2019t provide complementary hacks. In order to help you stick to your agreed amount, these are some <strong>good complementary tips<\/strong> for you.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Keep track of standard incomes and expenses<\/strong><\/h3>\n\n\n\n<p>Be mindful of your expenses. I know this doesn\u2019t sound like a tip but trust me the habit will help you big time. Make sure you keep a track of your rent, phone bills and outing expenses. This way you\u2019ll be far away from the overdraft limit and can cut down your expenses if you find yourself approaching the limit.&nbsp;<\/p>\n\n\n\n<p><strong><em>Looking for student loans without collateral? All you have to do is fill the form on this page! <\/em><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Use mobile banking&nbsp;<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Connecting your bank account to your phone could help you in the tip stated above. If you don\u2019t wish to constantly check your bank balance then you can get notified after every transaction. You will be aware of your balance which can help leaps and bounds. Even software such as Cleo can help you keep track of your account by sending you messages on social media platforms. Another good option could be using a prepaid card for spending money which will only allow you to spend as much it contains.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_To_Get_Out_of_Your_Student_Overdraft\"><\/span>H<strong>ow To Get Out of Your Student Overdraft?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Towards the end of our guide &#8211; Student Overdraft: Everything You Need To Know\u2019- the only aspect remaining is how do you pay off the overdraft. Once you graduate your bank will automatically change your student bank account to a graduate bank account. Although it won\u2019t necessarily happen immediately. These accounts have been specifically created to pay off your overdraft without incurring interest. Graduate bank accounts come with a 0% overdraft. You can usually hang on to this account for 3 years. The <strong>overdraft limit tends to decrease <\/strong>with every passing year and you\u2019re expected to clear the outstanding amount by the end of the agreed term. Clearing your student overdraft isn\u2019t much of a daunting task.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion_on_How_to_Get_Out_of_Your_Student_Overdraft\"><\/span><strong>Conclusion <\/strong>on How to Get Out of Your Student Overdraft<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>With this, I think I have mentioned all the details regarding this topic. Hope this guide to student overdrafts was beneficial for you. In case you need further information or want to get your doubts cleared then feel free to comment below and get in touch.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Thank you for reading this blog on \u2018Student Overdraft: Everything You Need To Know\u2019. If you enjoyed reading this blog then do check our following finance blogs as well.<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/unicreds.com\/blog\/total-cost-of-studying-in-the-uk\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Total Cost Of Studying In The UK&nbsp;<\/em><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/unicreds.com\/blog\/part-time-job-in-the-uk\" target=\"_blank\" rel=\"noreferrer noopener\"><em>How To Find A Part Time Job In The UK<\/em><\/a><\/li>\n<\/ul>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Being a student myself I understand that the financial burden at times can be very high. Often the maintenance loans barely cover the rent and the general living expenses. In such situations where the funds are running low, a student bank account overdraft can be of huge help. It is a good way of juggling [&hellip;]<\/p>\n","protected":false},"author":91,"featured_media":23629,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2579],"tags":[],"class_list":["post-9787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-living"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A Quick Guide on What is a Student Overdraft You Need To Know - UniCreds Blog<\/title>\n<meta name=\"description\" content=\"Understanding Finance schemes of UK isn&#039;t very difficult with Unicreds. Here&#039;s student overdraft: everything you need to know about.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/unicreds.com\/blog\/student-overdraft-everything-you-need-to-know\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Quick Guide on What is a Student Overdraft You Need To Know - UniCreds Blog\" \/>\n<meta property=\"og:description\" content=\"Understanding Finance schemes of UK isn&#039;t very difficult with Unicreds. 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