Every student discount, credit, freebie and free tool — sorted by category and country.
| Offer | What you get | Verify via | Link |
|---|---|---|---|
| ⭐ Student bank accounts | Most banks offer no-fee accounts + signup bonuses for students — compare locally (see countries.md) | Proof of enrollment | local banks |
| ⭐ YNAB | Budget app — free year for college students (eligible countries) | Proof of enrollment | ynab.com/college |
| Housing aid / guarantor programs | Most countries have student housing subsidies — check your government (see countries.md) | Application | national portals |
| Student food programs | Food banks, subsidized canteens (Mensa, CROUS, campus dining plans) | Student card | your institution |
| Back Market student | Refurbished tech discounts | Student Beans | backmarket.com |
| Student insurance rates | Cheaper renters/health insurance for students (varies by country) | Student status | local providers |
| Offer | What you get | Limits | Link |
|---|---|---|---|
| Revolut Standard | Free multi-currency account — great for travel/exchange | Free plan; fair-use limits on exchange/ATM | revolut.com |
| Wise | Low-fee international transfers & multi-currency | Free account; per-transfer fees | wise.com |
| N26 | Free account (EU) | Free plan; card delivery may cost | n26.com |
| Cashback apps | Rakuten, iGraal, TopCashback — money back on purchases | Free | varies by country |
| Actual Budget | Open-source budgeting, self-hosted | Fully free | actualbudget.org |
| Firefly III | Open-source finance manager | Fully free (self-hosted) | firefly-iii.org |
| Money Manager Ex | Desktop budgeting | Fully free | moneymanagerex.org |
| Splitwise / Tricount | Split shared flat expenses | Free tier (ads / limits) | splitwise.com · tricount.com |
| Google Sheets budget templates | Free budget spreadsheets | Fully free | sheets.google.com |
| Textbook exchange | Buy used, resell at term end — campus groups, AbeBooks, your library | Free | local |