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Graduate bank account

After uni, you might want some time to figure out what’s next.

Our graduate account helps you go from learning to earning.

Why open a Graduate bank account?

Interest-free overdrafts

For up to 3 years after you’ve finished studying.

Apply for a graduate loan

Borrow between £1,000 and £10,000. Subject to approval.

Manage your money on the go

Do all your day-to-day banking through the TSB App.

Benefits of our graduate account

Convenient banking options

Easy access to your money

  • A contactless Visa debit card for quick and simple spending
  • Pay by card or with your phone using Apple or Google Pay
  • Manage your account online, with the app, over the phone, or in branch
Person paying contactless

Graduate account overdraft

Get your post-uni finances in order

  • 0% APR variable graduate overdraft for 3 years
  • Apply for an interest free overdraft of up to £2,000. Subject to application and approval
  • Bring your debt together by applying for a graduate loan. 12.9% APR representative for loans between £5,000 and £10,000 for 1 - 5 years. Subject to approval
Overdraft mobile app screen

Put your savings on autopilot

Save the Pennies

  • Use Save the Pennies to round up card payments to the nearest pound
  • That change goes straight into your Savings Pot or another eligible TSB savings account
  • You can quickly set this up in the app or with Internet Banking
Save the pennies mobile app screen

Open a graduate bank account


You must be 18 or over

You have been a UK resident for at least 3 years

You graduated with a degree or diploma from a UK university or college within the last 3 years

Ready to apply

Apply for an account online

Open a graduate account online in as little as 10 minutes.

If accepted, you can then apply for an overdraft. You must be 18 or over and a UK resident to apply.

Ready to apply

Or apply in branch

Want to chat about your finances? Talk to one of our Money Confidence Experts by calling 03459 758 758.

Any questions?

Internet Banking

The quick and easy way to control your money. Pay bills, check balances, transfer money between accounts, set up and cancel standing orders, view and cancel Direct Debits and more.

Find out more and get started with Internet Banking

Mobile Banking

Make it easier to manage your money on the go. It means you can do your banking on the move from most internet-enabled mobile devices - either using our app or via your mobile device's browser.

Find out more and get started with Mobile Banking

Telephone Banking

You can call our Telephone Banking service on 03459 758 758.

Our automated service is open 24/7.

Use our quick automated service to:

  • Check your balance and recent transactions

  • Pay your bills

  • Transfer money

  • Check your Direct Debits or Standing Orders

And you can speak to one of our advisers if you have a more complex query between 8am – 8pm Monday to Sunday.

Find out more about Telephone Banking

These services are available if you are over 16.

Your TSB Visa debit card is an amazing piece of plastic. Accepted in millions of places and cash machines worldwide, it's incredibly convenient. It's just as safe to use abroad as at home, so it's a simple alternative to carrying cash.

More about the Visa debit card

An interest-free Arranged Overdraft of up to £2,000 in your first three years after graduation.

Overdrafts are subject to application and approval and are repayable on demand.

You can see full details about your overdraft and get an estimate of the costs of using this with our overdraft calculator.

If your account goes over its limit, our Grace Period means that you have until 10pm (UK Time) to pay in enough money to avoid any Overdraft interest you may incur that day.


This is a simple everyday way to save for the things you want. Add Save the Pennies on to your account and every debit card payment you make is rounded up to the nearest pound. All those spare pennies go straight into your Savings Pot or any other eligible TSB savings account you’ve set up. So even when you’re spending, you’re putting a little bit aside too.

You can set this up easily on our mobile app, Internet Banking or in branch.

Find out more about Save the Pennies

There may be lots of different reasons you might need to bank with us differently, either in the short term, or on a continuing basis. It could be because of your physical or mental wellbeing, or because of a life event you’ve experienced. Whatever the reason, we are committed to tailoring our support to your personal needs.

If you choose to tell us about your individual support needs, we will take the time to understand your circumstances and work with you to make sure you have the support you need when banking with TSB. We can add a Support Indicator to your account, which means whenever you talk to us, we'll be aware that you may need tailored support.

Find out more about how we can support you

When you have had your Graduate account for three years, we’ll move you to a Spend & Save account. We’ll write to you two months before we do this.

Important information

TSB adheres to The Standards of Lending Practice which are monitored and enforced by the LSB:

To read more about our lending commitments to you, please click here to read the leaflet.

Account Opening is subject to our assessment of your circumstances. You must be 18 or over and a UK resident to apply.

Overdrafts are subject to application and approval and are repayable on demand.

Text alerts are free but your mobile operator may charge for some services. Please check with them.

We don’t charge for your use of Mobile Banking but your mobile operator may charge for some services, please check with them. Mobile Banking is available on most internet enabled mobile devices. Services may be affected by phone signal and functionality. You must be registered for Internet Banking. Terms and conditions apply.

APR definition: A good way to compare the cost of our overdraft with other overdrafts or other ways of borrowing is to look at the APR. The APR shows the cost of borrowing for a year.

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