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Nowadays, most banks offer specific student accounts. They offer so-called “educative credits” or raise the amount that can be negative on your balance (some banks even have a maximum of € 4500,-!). It is also cheaper for a student to have a debt than for a non-student. But remember having a negative balance cost you in the long run. So our advice is to avoid it as much as possible. Further you can lay down your own limits, for example, no further than - € 500. Different banks may put different costs into account for the use of a cash card, credit cards and so on. It is therefore wise to compare the various banks before opening an account. Sometimes you can only open a student account if you receive some kind of grant or fund.