Smile Student Account
Year 1 interest-free (0% EAR) overdraft: £1000
Year 2 interest-free (0% EAR) overdraft: £1400
Year 3 interest-free (0% EAR) overdraft: £1800
Year 4 interest-free (0% EAR) overdraft: £2000
Year 5 interest-free (0% EAR) overdraft: £2000
Arranged overdraft interest rate (EAR): 9.9%
Unarranged overdraft interest charges: 15.9%
Interest on account when in credit (AER): 0.12%
Banking Services Available:
| Debit Card available: | ![]() |
| Credit Card available: | ![]() |
| Cheque book available: | ![]() |
Incentives:
Smile Student Account,







