This year's standout offer comes from Nationwide Building Society, which is giving eligible students £100 in cash plus £120 in Just Eat vouchers – a package worth £220. Close behind is Lloyds Bank, which is matching the £100 cash incentive and offering up to £120 in Deliveroo vouchers, while NatWest is paying £100 and including a four-year tastecard membership packed with restaurant discounts. She said: "Free cash and vouchers can make one student account stand out from another, but it's important students compare the overall package before being swayed by incentives. NatWest and Royal Bank of Scotland currently offer interest-free overdrafts of up to £3,250 by the end of a degree, while HSBC and Nationwide both increase to £3,000. For students who regularly order takeaways, Nationwide and Lloyds arguably offer the strongest incentives, with food vouchers worth £120 on top of £100 cash.