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Banking - Graduate Accounts

Company Credit
Interest

Credit Interest
Credit
Card
Limit
Credit Card Limit
Max
Free o/d
per year
Max Free o/d per year
Auth
Fees

Auth Fees
Unauth
Fees

Unauth Fees
Account
Features

Account Features
1Abbey
Account The Abbey Account (Graduate)
Package Year 2007/08
Authorised Overdraft: 9.9% APR (0.79% pm) - £1
Unauthorised Overdraft: 28.7% APR (2.12% pm) - £1
After Graduation: Apply within 3 years after graduation
Fee: Nil
1.49%£350Year 1  £2000
Year 2  £1000
Year 3  £500
Nil£25 per monthTelephone Banking AvailableInternet Banking AvailableSpecialist Service Available
2Bank of Ireland (NI)
Account Graduate C/A
Package Year 2007/08
Authorised Overdraft: 0.0% EAR (0.00% pm) - £1
Unauthorised Overdraft: 12.68% EAR (1.00% pm) - £1
After Graduation: Apply within 2 years after graduation
Fee: Nil
-NegYear 1  up to £1000
Year 2  up to £1000
Nil1% pm min £2Commission Free Currency and Travellers ChequesTelephone Banking AvailableInternet Banking AvailableSpecialist Service Available
3Barclays Bank
Account Graduate Account
Package Year 2007/08
Authorised Overdraft: 15.6% EAR (1.22% pm) - £1 to £3K
Unauthorised Overdraft: 27.5% EAR (2.05% pm) - £1
After Graduation: Apply within 2 years after graduation
Fee: Nil
0.10%£4000Year 1  up to £1500
Year 2  up to £1000
NilNilTelephone Banking AvailableInternet Banking AvailableSpecialist Service Available
4Barclays Bank
Account Graduate Additions
Package Year 2007/08
Authorised Overdraft: 9.9% EAR (0.79% pm) - £1 to £3K
Unauthorised Overdraft: 27.5% EAR (2.05% pm) - £1
After Graduation: Apply within 3 years after graduation
Incentive: Discounts on shopping and leisure on website www.Barclaysandme.com, free mobile phone insurance & free Greenflag roadside assistance
Fee: £5.00 pm
0.10%£4000Year 1  up to £3000
Year 2  up to £2000
Year 3  up to £1000
Year 4  up to £500
Year 5  up to £200
NilNilTelephone Banking AvailableInternet Banking AvailableSpecialist Service Available
5First Trust Bank (NI)
Account Graduate Account
Package Year 2007/08
Authorised Overdraft: Negotiable - £1
Unauthorised Overdraft: 9.0% ABR + 1.00% pm - £1
After Graduation: Apply within 2 years after graduation
Fee: Nil
-NegYear 1  up to £1000
Year 2  up to £1000
Year 3  up to £1000
NilNilCommission Free Currency and Travellers ChequesTelephone Banking AvailableInternet Banking AvailableSpecialist Service Available
6HSBC
Account Graduate Bank
Package Year 2007/08
Authorised Overdraft: 9.9% EAR (0.79% pm) - £1
After Graduation: Apply within 3 years after graduation
Incentive: Discounts on entertainment, shopping and driving lessons
Fee: Nil
0.10%NegYear 1  £1500
Year 2  £1000
Nil-Commission Free Currency and Travellers ChequesTelephone Banking AvailableInternet Banking AvailableSpecialist Service Available
7HSBC
Account Graduate Plus
Package Year 2007/08
Authorised Overdraft: 15.9% EAR (1.24% pm) - £1
After Graduation: Apply within 3 years after graduation
Incentive: Discounts on entertainment, shopping and driving lessons
Fee: Free for 3 months, then £9.95 pm
0.10%NegYear 1  up to £1500
Year 2  up to £1000
Year 3  up to £500
Nil-Telephone Banking AvailableInternet Banking AvailableSpecialist Service Available
8Lloyds TSB
Account Graduate
Package Year 2007/08
Authorised Overdraft: 16.8% EAR (1.30% pm) - £1
Unauthorised Overdraft: 16.8% EAR (1.30% pm) - £1
After Graduation: Apply within 3 years after graduation
Incentive: £50 paid within 31 days of receiving first regular salary credit over £1000 into account. Dial-a-phone offer inc £40 cash back on take up of line rental. For new Lloyds TSB custs return flight voucher to 1 of 6 European destinations
Fee: Nil
0.10%NegYear 1  £2000
Year 2  £1500
Year 3  £1000
Nil£15 pm
Unauthorised overdraft fee and paid referal fee only charged on excess of any agreed interest free overdraft.
Commission Free Currency and Travellers ChequesTelephone Banking AvailableInternet Banking AvailableSpecialist Service Available
9Lloyds TSB
Account Islamic Graduate Account
Package Year 2007/08
Unauthorised Overdraft: 16.8% EAR (1.30% pm) - £1
After Graduation: Apply within 3 years after graduation
Incentive: £50 within 31 days of receiving first regular salary credit over £1K. Dial-a-phone offer inc £40 cash back on take up of line rental. New custs recieve return flight voucher to 1 of 6 European destinations.
Fee: Nil
-NegYear 1  £1500
-£15pmCommission Free Currency and Travellers ChequesTelephone Banking AvailableInternet Banking AvailableSpecialist Service Available
10NatWest
Account Graduate
Package Year 2007/08
Authorised Overdraft: 17.81% EAR (1.38% pm) - £1
Unauthorised Overdraft: 17.81% EAR (1.38% pm) - £1
After Graduation: Apply within 3 years after graduation
Fee: Nil
0.10%NegYear 1  £2000
Year 2  £1000
Year 3  £500
NilNilCommission Free Currency and Travellers ChequesTelephone Banking AvailableInternet Banking AvailableSpecialist Service Available
11Royal Bank of Scotland
Account Graduate Royalties
Package Year 2008/09
Authorised Overdraft: 9.9% EAR (0.79% pm) - £1
Unauthorised Overdraft: 29.84% EAR (2.20% pm) - £1
After Graduation: Apply within 2 years after graduation
Incentive: Discounts on selected hols/travel/car ins/home ins/over 450 restaurants/theatre & concert tickets/DVDs/videos/CDs/computer games/books
Fee: Nil
2.00%NegYear 1  up to £2000
Year 2  up to £1500
Year 3  up to £1000
Nil£10 pmCommission Free Currency and Travellers ChequesTelephone Banking AvailableInternet Banking Available
12Ulster Bank (NI)
Account Graduate Account
Package Year 2007/08
Authorised Overdraft: Negotiable - £1501
Unauthorised Overdraft: 12.7% EAR (1.00% pm) - £1
After Graduation: Apply within 1 year after graduation
Fee: Nil
0.10%NegYear 1  up to £1500
NilNilCommission Free Currency and Travellers ChequesTelephone Banking AvailableInternet Banking AvailableSpecialist Service Available
  • Commission Free Currency and Travellers Cheques   Commission Free Currency and Travellers Cheques
  • Telephone Banking Available   Telephone Banking Available
  • Internet Banking Available   Internet Banking Available
  • Specialist Service Available   Specialist Service Available
  • Notes: All rates subject to change without notice. Please check all rates and terms before investing or borrowing.
  • Source: www.moneyfacts.co.uk
  • Date Compiled: 25 July 2008

Product Guide

  • Graduate Bank Accounts

    Graduate Bank Accounts - If you're looking for a graduate bank account then Moneyfacts.co.uk is the place for you. Find the best graduate bank account deals and the best graduate bank account rates.

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