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Student bank accounts without the freebie distraction

The perk is nice. The overdraft terms matter more.

Student bank accounts often compete with freebies, vouchers and shiny offers. Those are fine, but the boring details can matter more if money gets tight.

What to compare

Look at the interest-free overdraft size, how it changes by year, what happens after graduation, app quality, and whether the freebie is actually useful.

Do not choose a bank account only because it waved a voucher at you.
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