You should be entitled to a student account with most of the big banks. I opened my first student account in 2001 and I finished my undergrad in 2006 like you. I worked for 5 years and I am starting my PGCE tomorrow (Eek!) I just went into a branch of my bank with my offer letter and my acceptance confirmation, as well as the proof I had met the conditions. I filled out an application for the student account and the girl in the branch switched my cuurent account over to a student account right there and then. I just wanted the interest free overdraft - that £2500 interest free will be used for emergencies and throughout next summer to pay my rent if I fail to find a full time post by the end of the PGCE. My bank is RBS btw.