Written on: 02/06/2014 by Abigaylep201 (1 review written)
I've had my student account since 2009, graduated in 2010 and have £2k overdraft I havent even started to pay off. The halifax renew it each year without even checking with me and I've paid no interest on it. I love them!… Read Full Review
Written on: 02/04/2013
NOT USE THEM! They claiming can give you up to 3k overdraft and you'll never see that amount! I been in college 2 years and went to 3rd year to Uni, at start they'll give you 500GBP, after a year I extend to 1k, and when I start third year I asked for 1,5k and I got it. Now when I have 3-4mths left I need extra cash for degree show, own branding (art&design faculty) I have been refused to have even 2k! I was working part time during the school time (20hrs pw) and full time during the summer (I… Read Full Review
Written on: 02/05/2012
Worst bank EVER! They had me running all over the place trying to find documents in order to open a student account, which they said I was entitled to, even going to get a second opinion from someone higher up in their management to confirm so. I only went in there to take out a couple months' rent and had no idea that I was eligible due to my past poor credit rating. I had to go through papers that were filed from UCAS over a year ago, go to the university and ask them for the paperwork that I… Read Full Review
Written on: 23/03/2011
Nothing but trouble with this student bank account. Having to phone up once a year and ask to keep the overdraft is not only annoying but frustrating. If you go into the bank to sort it out, they have to do it over the telephone any way.
Avoid this bank account… Read Full Review
Written on: 09/01/2011
I have been a customer with Halifax since I was a toddler- having numerous standard accounts, saving accounts, credit card and ISA. Despite this I was refused a student account with them TWICE (undergrad and postgrad). At 18 and 24 I had no overdraft, no credit card debt and have always paid my bills on time/stayed within overdrafts. They simply couldn't explain why I had being refused, especially as I have been a customer all my life, so much for customer loyalty! I will be moving my accounts… Read Full Review
Written on: 03/11/2010
At first it seemed to be a good idea to have a Halifax Student Account because i have been a customer with Halifax atleast 3 years before going to Uni. Also my parents were with them which made it practical.
BIG MISTAKE!! Although i got a decent overdraft starting with 1,000 and increasing to 17,000 in my second year that was all they were willing to give me. It started with me going overdrawn by accident by 20p yes 20p!! They charged me £28.00 for this. I couldnt believe it i rang them up… Read Full Review
Written on: 29/10/2010
The Halifax Student account is the worst account out there! When I first got it it was fine, until they one day decided just to get rid of my overdraft and leave me paying all my overdraft back at £150 a month! Never go with this account, you'll have so many problems!… Read Full Review
Written on: 30/08/2010
At first I thought the Halifax Student account was a good thing. I had no problems for the first two year, yes it was annoying having to keep going in to renew my overdraft limit, but I could live with that.
However this year Halifax decided using all their wisdom that I am no longer a student (I am going into my third year of my first degree) and that I do not need a free overdraft anymore. Without consulting me they have changed me to a regular account, where I have to pay a £1 a day if i… Read Full Review
Written on: 24/08/2010
I have had a student acocunt with halifax for 5 years now (I am a veterinary student undertaking a course that totals 6 years). I have had nothing but trouble renewing my overdraft yearly with them as they are never satisfied with the paperwork I supply even if I bring in exactly what they have asked for. This year they have given me two weeks notice to renew the overdraft. I have been unable to get to a branch personally as I am working on my course all weekdays and also the weekend days… Read Full Review
Written on: 20/08/2010
My sister just applied online for the student account with halifax and was refused with no explanation! Customer service said she probably had bad credit. She is 18, has never had an overdraft to go over, never had a ny direct debits or bills. So now she has this on her banking record forever for no good reason. Incredibly useless pile of **** student account which assumedly will refuse all students… Read Full Review
Written on: 16/07/2010
I had a huge problam with Natwest and now I'm having the same with Halifax. I have been with halifax since I remember and have never ever had any problems with them until now. I have an unconditional university place and I booked an appointment and took in all the paper work I needed. I was then told that i'd failed the credit check!!
How on EARTH does an 18 year old girl with no mortgage and only just got a contract phone in her name even GET a credit rating?!
And Natwest told me I have to… Read Full Review
Written on: 05/07/2010
Applied for a Halifax student account, and was refused outright on the basis of 'failing' the credit check. I am a student, who has never owned a credit card, never had bills (let alone unpaid ones!) or store cards, or bank charges... When I called Halifax to explain to them, a woman quite rudely stated "No credit score is the same to us as a poor credit score" and when I asked if there was someone I could speak to in order to explain/get an explanation, her reply was "No, no one here can help… Read Full Review
Written on: 02/06/2010
Absolutely awful. Would not extend my overdraft past £1000 despite advertised potential of £3000. Also their bank charges are diabolical if you go over your limit, which by the way wouldn'nt have happened to me if they ad extened my overdraft in the first place! I would advise anyone to stay well away from Halifax, I'm switching banks ASAP!!… Read Full Review
Written on: 01/06/2010
Just wait until you stop being a student and still have an overdraft in your student account. They then start to charge you £60 a month, which you have to pay just to stand still!
Never, ever use The Halifax.
… Read Full Review
Written on: 20/03/2010
Advertised a maximum £3000 overdraft available, I am now in my third year and been told I am still only entitled to £1000. Also, as I have been mainly overdrawn, I have had interest debited from my account - despite it being interest free. I would warn students not to go for this account, it is very unlikely you will be entitled to the huge overdraft they boast, and even if you are you could be debited for using it… Read Full Review
Written on: 12/02/2010
It looks like other reviewers have been slightly confused by the Student Account.
Being a student does not mean that any account you hold will become a student account. You have to specifically request it.
But once you've got it, you can get up to £3000 interest free (although I don't think they give more than £1750 in the first year).
Excellent customer service and internet banking.
Although Natwest's free railcard can be very useful for those students who travel by train a lot, if you can… Read Full Review
Written on: 12/01/2010
Worst Bank Ever. PERIOD.
Literally they are the worst people to deal with!
Their overdraft facility is terrible, a small £100 which they'll do ANYTHING not to extend for you, regardless of the situation.
For example I had a bill due in a few days time that would take me £11 overdrawn so I asked for an extension on my overdraft that I could then reduce it again at a later date, but they of course said NO, knowing that they would charge me £38 for the privilege of the extra money.
THEN after… Read Full Review
Written on: 05/11/2009
Very disappointing. Eventhough it says interest free they do CHARGE A RIDICULOUSLY HIGH AMOUNT!! Speaking from experience! I overdrew with less than £0.40 (thats 40PENCE!!!) and was charged £38 pounds! This happend three times. I've switched now!… Read Full Review
Written on: 10/08/2009 by icicle123 (1 review written)
As a mature student already banking with the halifax I opened a Halifax Student Current Account. I used the available overdraft (2000) and started paying it back once working. I was unable to pay it back as quickly as I would of hoped because I had not yet got a permanent full-time job. The bank asked for all of the money back, I arranged with them to pay £90.00 a month back. I now owe £300.00. i have been working as a supply teacher and do not get paid for the six wks holidays and so asked if… Read Full Review
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