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Paying your fees - postgraduate

There are a number of options for paying your fees, which are explained on this page.

The University does not send out invoices, so if you need to find out how much you need to pay, please go to the tuition fees page or the accommodation fees page.

Pay in full or in instalments

You can pay for tuition and accommodation all at once or you may be able to pay in instalments. However, the option to pay by instalment is not available to:

  • students who have repeatedly defaulted on instalments in the past
  • visiting students admitted for one semester only
  • sponsors (this does not include family and friends, who are able to pay by instalments). 

International students

If you are an international student who requires a visa to study in the UK, you must ensure that you have the means both to pay your fees and to cover your living expenses while you are living in St Andrews. This is a requirement of current UK immigration rules.

Tuition fee payment options

Payment optionPayment deadline dateWays to pay
Pay in full

September start
6 September 2021

January start
20 January 2022

Debit or credit card

Bank transfer and eWallet

Cheque

Two instalments

Instalment 1 (50%) - prior to the start of your academic year

Instalment 2 (50%) - six months from your start date/card plan set up date

Debit or credit card (or by recurring card plan)

Bank transfer and eWallet

Cheque

Three instalments (for postgraduate Student Loans Company students - aligned with loan payments)

September start

Instalment 1 (33%)
30 September 2021

Instalment 2 (33%) 
13 January 2022

Instalment 3 (34%)
14 April 2022

Debit or credit card (recurring card plan only)

Monthly instalments

Instalment 1 (1/12 of your fees) - prior to the start of your academic year

Remaining 11 instalments collected automatically on the first of the month 

Debit or credit card (recurring card plan only)

Accommodation fee payment options

Payment optionPayment deadline dateWays to pay
Pay in full

September start
6 September 2021

January start
20 January 2022

Debit or credit card

Bank transfer and eWallet

Cheque

Two instalments

Instalment 1 (50%) - prior to the start of your academic year

Instalment 2 (50%) - six months from your start date/card plan set up date

Debit or credit card (or by recurring card plan)

Bank transfer and eWallet

Cheque

Monthly instalments

Instalment 1 (1/12 of your fees) - prior to the start of your academic year

Remaining 11 instalments collected automatically on the first of the month

Debit or credit card (recurring card plan only)

 

Ways to pay

You can pay your fees through the different methods described here. 

Bank transfer and eWallet

International bank transfer

For EU and international students who wish to pay in their local currency without incurring transaction charges, please use our international payments platform. This service allows you to pay your international fees by bank transfer or online payment options such as Alipay, UnionPay, WeChat Pay, Klarna and more. Gain peace of mind that the University will receive your payment in full.

Western Union bank logos for international students making payments by bank transfer


UK bank transfer

When sending payments by UK bank transfer (sometimes referred to as Bank Giro Credit or BGC), it is strongly recommended that all payments are sent directly to the University's bank account. You should allow a minimum of five working days for the payment to clear.

The University's bank account details are as follows:

The Royal Bank of Scotland
113-115 South Street
St Andrews
Fife
Scotland
KY16 9QB

Account name: University of St Andrews Income Account
Bank sort code: 83-26-28
Account number: 00279295

Reference: Please quote your 9-digit student ID number and student name on the bank transfer. This is to ensure that your payment can be allocated to your account.

Debit or credit card (including card plans)

You can make a payment by debit or credit card using the online payments options. We accept all major credit and debit cards except for American Express, JCB and Diners cards.

You will need your 9-digit student ID number and your date of birth.

For high-value transactions, it is strongly recommended that you contact your bank or credit card issuer to advise them you are intending to process a transaction for the payment of fees.

Recurring card plan

You can pay fees by instalment using a credit or debit card (known as a recurring card payment).  To set up an instalment plan please go to our online payment options.  

If you choose this option to pay by instalment, you must set up your recurring card plan before the start of each academic year.

If your fees or card details changes during the year, you must contact the Cash Office by emailing studentfinance@st-andrews.ac.uk and they will amend your plan. If you make a one-off payment before the due date, you should contact the Cash Office to prevent them collecting payment twice. 

You may be charged a late fee for any payments that are declined. The University will not be liable for any charges incurred as a result of any overdraft or credit card charges being applied to the payer's account.  

Overseas credit cards

If you are offered the option to pay in your home currency, FEXCO is offering an 'exchange rate guarantee'. This means that you have the certainty of knowing the exact value of your payment at the point of sale. The exchange rate used is based on Reuters Wholesale Interbank Exchange Rate.

The currency conversions service is provided by FEXCO Merchant Services on behalf of the University of St Andrews. FEXCO provide the University of St Andrews customers an exchange rate guarantee. See further details about FEXCO's currency conversion.

Please be mindful when comparing rates online as the rate quoted is likely to be an interbank rate representative of a midpoint between buying and selling and will generally not be available from a bank for processing payment. If you choose not to take advantage of paying in your home currency, then the transaction will be processed in GBP.

Cheque

If you would like to pay your fees by cheque, please make cheques payable to 'University of St Andrews' and send to:

University of St Andrews
Finance Operations Team
Walter Bower House
Guardbridge
KY16 0US
 

Please ensure that you include both your 9-digit student ID number and student name on the back of the cheque so that Student Finance can allocate your payment to your account.

If you pay with a US dollar or a Euro cheque, then Student Finance will convert it to sterling on the day the cheque is received using the exchange rate that is used for our online card payments that day.


Late penalties

The University operates strict payment deadlines for each academic year.

Penalty charges

Late penalties:

  • Late payment of tuition fees - 3% of outstanding fee
  • Late payment of accommodation fees - 3% of outstanding fee
  • Failure to make any payment plan - 3% of outstanding fee

Registration

You will not become a fully registered student until you have paid your fees in full or set up an instalment plan.

Returning students may not be allowed to matriculate if they have an outstanding debt owed to the University. Students with outstanding debts should contact Credit Control as soon as possible to discuss their situation.

Library and Sports Centre access

Students who do not respond to correspondence requesting payment for outstanding debt may have their access to the Sports Centre denied and may be unable to withdraw books from the Library.

Accommodation

Any student living in University accommodation failing to keep to their payment schedule will be referred to the Head of Student Accommodation Services, who will decide whether to serve a notice of eviction. Availability of University accommodation in the future may also be jeopardised.

Failure to pay policy

Students who are are behind on their payment plan will be referred to the credit-control section of Finance, who will take the appropriate action in line with the University's Failure to pay policy to ensure that all payments are made in full. 

Communication will be sent to the student's University email, and this should be checked regularly.

Final decisions on late payment penalties will lie with the Finance Operations Manager.


Advice about fee payment scams

Please be safe when making payments or providing your personal details, particularly to third parties. The University of St Andrews is not responsible if you make a payment to sources outside of officially advertised University payment channels. If you are unsure what the official payment channels are, please contact the University directly before making any payments to anyone.

If you need more information, help or support with making a payment to the University, please contact the Cash Office by emailing studentfinance@st-andrews.ac.uk.

Also, read the following advice for how to avoid scams:

  • Do not provide your personal University login credentials or access to your University accounts to anyone.
  • Never share personal, banking or financial information with anyone who lacks a verifiable relationship with the University. 
  • Be wary of any person offering to make a tuition payment on your behalf or promising a discount on payment. If the offer sounds too good to be true, it almost certainly is.
  • The University does not usually specify new payment methods or channels, so be cautious of any new payment channels via third parties claiming to be affiliated to the University of St Andrews.
  • Avoid any individuals and companies in your home country advertising tuition payment services that are not listed on the University’s website.
  • Be cautious of any social media posts that reference discounts to fees. Some scammers will go as far as to create legitimate-looking social media or websites.
  • Always check with the University before agreeing to process any payment through a third party that is not directly affiliated with the University, and not visible on the University’s payment website or included in previously provided payment instructions.
  • Always be vigilant about how and where you may be approached by scammers (in person, by phone, via social media). When in doubt, contact the Cash Office (studentfinance@st-andrews.ac.uk). Never be pressured by any proclaimed deadline, threats of retaliation or threats to revoke your student visa if a payment is not made.

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