Ensure that your finances are not a law unto themselves.

The First Trust Bank Postgraduate Law package is designed to support you when you need it most. You will receive all the benefits of the Student+ Account, with additional financial support to make it easy for you to manage your finances whilst studying for your professional qualification.

 

This account is available as a sole account to new and existing customers aged 18 years who are a postgraduate law student and who are enrolled on a professional course, with a recognised college of law, leading to qualification as a solicitor, barrister or equivalent qualification.

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Features and benefits

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    No monthly maintenance fees during the term of the account

    The Student+ Account and postgraduate law package is valid for the duration of your course.

     

    However, you may have to pay support fees for certain services. Please see our price list for more details.

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    An interest-free overdraft of up to £1,850 (subject to status)

    The first £1,850 of any arranged overdraft (subject to status) will be interest-fee (0% EAR variable).  This is not an automatic overdraft and you must apply if you require one.

     

    There is no fee for arranging or using the agreed overdraft whilst you hold your Student Account.

     

    See the 'Important information' section below for more details about borrowing us.

     

    *EAR stands for equivalent annual rate and does not include any extra charges (for example arrangement fees) that may apply.

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    No commission charge for foreign currency

    You will not pay any commission charges on foreign currency notes transactions.

     

    For more information on the currencies First Trust Bank offer and on how to order, please click here.

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    Easy access to your money with our Visa debit card

    A Visa debit card allows you to make purchases and withdraw money from your bank account worldwide*. You can use your card in shops, at cash machines and online wherever Visa Debit is accepted. You can also check your balance at any First Trust Bank or AIB cash machine.

     

    *Charges may apply for using your card abroad.  See our price list for more details.

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    Bank securely at a time and place that suits you

    First Trust Bank OnlineMobile or Phoneline Banking puts you in control of your finances. Many of the things you do at the branch counter you can do sitting at home with Online Banking - checking your balances, paying your bills, transferring money, ordering a statement and carrying out a cheque search.

     

    See our full range of Ways to Bank options.

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    Student MasterCard facility available to help you budget during term time

    We have a range of flexible finance options in addition to an overdraft to help you manage the cost of investing in education throughout the full university cycle.

     

    Our Student MasterCard also gives you spending power in your pocket whether it's for every day essentials or to take advantage of those last minute online deals.

     

    Ask one of our in-branch student advisers for more details or if you need any advice on managing your finances. The Student MasterCard are subject to eligibility requirements.

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    Seamlessly move into the Graduate Account when you are finish your studies

    When you finish your studies, we will convert your account to a Graduate Account.

     

    Your account details will not change and we will contact you at this stage to confirm this change.

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    Switch your student banking to us 'stress-free' in seven working days

     
     

    Switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current account provider we offer the following guarantee:

     

    • The service is free to use and you can choose and agree your switch date with us.
    • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
    • If you have money in your old account, we will transfer it to your new account on your switch date.
    • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
    • If there are any issues in making the switch, we will contact you before your switch date.
    • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

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    Open your account today

    To open a new Student+ Account with the postgraduate law package, simply call into your local First Trust Bank branch or call us on 0345 6005 925 if you would prefer to make an appointment.

     

    You will need to bring evidence of your acceptance to the course.

     

    If you hold an existing Current Account with us, you can swap to the Student+ Account without opening a new account.

     

    We will need to see proof of your identity and address (such as your passport, driving licence and a gas or electricity bill).  If you are not sure what proof we accept, click here or speak to a customer service adviser on 0345 6005 925.  

     

    Complete the relevant forms and we will do the rest.

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Summary box

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    Key product services available on the Student+ Account

    Choose from a range of services to ensure you get the best from your bank account.

     

    The below table summarises the services available on the Student+ Account.

    Account Name Student+ Account
    Visa debit card
    yes
    Online, Mobile & Phoneline Banking
    yes
    eStatements
    yes
    Direct debits
    yes
    Standing orders
    yes
    Chequebook
    yes
    Lodgement book
    yes
    Overdraft facility (if eligible)
    yes

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Important information

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    Information about borrowings

    As a responsible lender, we will only lend you money after assessing whether you are able to make the repayments.

     

    We will only issue credit facilities depending on your financial circumstances. You must be aged 18 or over. Please ask us for full details of terms and conditions and written quotations.

     

    We adhere to the Standards of Lending Practice which sets standards for banks when dealing with lending and overdrafts for personal customers. You can get more information on the Standards from any branch or at www.lendingstandardsboard.org.uk. Under the Standards we have also developed a Statement of Lender and Borrower Responsibilities to ensure that the relationship works well for both of us.

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Talk to us

Simply call 0345 6005 925 or drop in to any First Trust Bank branch and talk to one of our experienced student advisers. We’ll be happy to answer any questions you may have and help find the right kind of account for you.

 

† Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.

Help and guidance

 

Identification requirements

Find out what documentation we will need to verify both your identity and your current permanent address in order to open an account.

 

Help Centre

For service related queries, please visit our Help Centre.

 

Glossary of Terms

This document explains the fees outlined in the Fee Information Document.

Related Products/Services

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