In the scramble to sort out university accommodation, join freshers group chats and work out how a student loan payment is meant to stretch across a whole term, there is one big decision that is easy to put off but worth getting right: which student bank account to open.

Student accounts work like any other current account but come with two extras that don’t apply to the general public: an interest-free overdraft, and a lot of perks designed to hook you in as a customer for life.