A practical guide to moving to the UK as a student

PTE Author
PTE Author
Image, a girl using ATM
Reading time: 7 minutes

Studying abroad is the experience of a lifetime. You’ll have an untold number of opportunities,  make friends, grow your network and broaden your horizons. But there are nerves too – and lots of questions before you start packing your bags.  

So, if you’re considering moving to the UK to study for a pre-sessional English language course, a degree, or even a Ph.D., we have some top tips.  

Read on to explore our short guide to studying in the UK for international students. 

1. Setting up a bank account 

Unless you plan to stuff your money in your mattress (not recommended), you’ll probably need to open a bank account in the UK. The process is usually completed in one or two days and is much simpler if you do it once you’re living in the country.   

If you’re a student and come from abroad, you’ll need to show the bank a number of things before you can open your account, including: 

  • A valid passport and visa; 

  • Proof you are studying in the UK (your student ID or a letter from your university); 

  • Recent proof of address in the form of a utility bill that’s less than three months old (e.g. electricity bill); 

  • A bank or credit card statement that’s less than three months old. 

Note that the requirements may differ from bank to bank and you may also need to show proof of employment. Some banks, like HSBC, also allow you to set up your account in your own country before leaving for the UK.  

2. Student accommodation in the UK 

You have two main options when it comes to student accommodation in the UK:  

On-campus accommodation 

In the UK, on-campus student accommodation is often referred to as living in halls. When you apply to live in halls, you are given a room in shared accommodation. Your room is usually private, however you will often share bathrooms, kitchen, and other communal areas with other students.  

Living in halls is recommended if you’re coming from abroad. Not only does the university manage the housing, but it will be easier for you to find a place with other students.  

Shared student accommodation 

You can also opt to go through the university and find a place in privately rented accommodation. Second and third year students usually choose this option and move in with friends. Generally, this type of housing has been approved by the university, but you will be responsible for paying rent to a private landlord.  

Ask your university admissions department or student services about the right option for you.  

Alternatively, you may wish to rent privately, through a real estate agent. However, this is likely to be a far more expensive option and you won’t necessarily have university support. 

Average student rental prices 

The cost of living in the UK varies from region to region. According to a Save the Student survey in 2021, the average rent for students in the UK is £146 per week.  

Here’s the breakdown of costs: 

  • Scotland: £127 per week 

  • Northern England: £122  

  • Wales and the Midlands: £119 to £129 per week 

  • East Anglia: £132 per week 

  • Southwest: £147 per week 

  • Southeast:  £146 per week 

  • London:  £152 per week 

Living cost in the UK for international students 

On top of rent, you also have to consider how much food, leisure, transport, and other expenses will be. Our handy guide to living expenses in the UK for international students, outlines the following, and also compares costs in different cities: 

  • Groceries – £100 per month  

  • Going out – £46 per month  

  • Transportation– £46 per month  

  • Household bills (like electricity and water) – £37 per month 

  • University tuition fees for international students – £10,000–£38,000 per year (Reddin survey of university tuition fees) 

3. Health care systems in the UK 

Image - scientist

The UK National Health Service (NHS) is a group of publicly funded healthcare systems. Each covers the healthcare needs of residents in England, Scotland, and Wales. In Northern Ireland, it’s officially known as the Health and Social Care system.  

UK residents are not charged for most medical treatments. However, they may have to pay for some prescriptions and standard charges apply for dental treatment.  

So what about the NHS for foreign students? 

If you are from the European Economic Area (EEA) and need emergency treatment, you may use the NHS free of charge with a valid European Health Insurance Card. Likewise, you may be entitled to free emergency treatment if your country has a reciprocal arrangement with the UK.  

On the other hand, if you are not an EEA national, and will be in the UK for more than 6 months, you will be required to pay an immigration health surcharge on top of your visa cost. This will entitle you to free NHS treatment. This includes international students, however you receive a discount on this fee.  

Find out more about your healthcare payment obligations as an international student in the UK.  

Register with a general practitioner (GP) 

Once you arrive in the UK, you’ll need to register with a GP at your local doctor’s surgery​​ so you can access health care. Note that hospital Accident and Emergency departments (A&E) are only for urgent medical care.  

Private health insurance 

Medical insurance is also an option, as both private and public health care is available in the UK.  

4. Driving in the UK 

You probably already know that you have to drive on the left in the UK (if you don’t – that’s important!). But how can you drive legally in the country?  

  • To drive a car or motorbike in the UK, you must be at least 17 years old. Bus or lorry drivers need to be at least 21. 

  • If you have a full, valid driving license – you can drive for 12 months before you need to take a driving test or exchange it  

There are different rules, depending on where your driving licence was issued. 

If you’re a European Union license holder: 

You can keep driving without an International Driving Permit. You will need to carry an insurance green card (or similar) to prove your vehicle is insured if it is registered in: 

  • The EU 

  • Andorra 

  • Iceland  

  • Liechtenstein 

  • Norway 

  • Serbia  

  • Switzerland 

You must change your EU license to a UK one: 

  • 3 years after you become resident 

  • Or if you reach the age of 70 

If you’re a non-EU license holder: 

You can drive in the UK for 12 months. After this time, you’ll need to get a provisional UK license, then pass the UK driving test. 

Car insurance requirements 

At a minimum, you must have third-party coverage to drive in the UK. If you have an accident or injure someone, the insurance company will cover costs. However, third-party insurance doesn't cover repairs to your own vehicle.  

For more information on driving, please visit the UK government website or this helpful guide. 

5. Employment options  

Most international students in the UK opt to work to support their studies. There are different rules for different visas and study:

Degree-level for more than six months 

If you are studying at degree-level for more than six months, you will probably be permitted to work up to 20 hours a week in term time and full-time during vacation time. 

Foundation subject for more than six months 

If you are studying a pre-sessional English course or a foundation subject, you will only be permitted to work for ten hours a week. 

Studying on a short term visa 

You can’t work in the UK if you hold a short-term visa as an international student. 

The new Graduate Immigration Route 

The Graduate Immigration Route is a type of post-study work visa, which was implemented in July 2021. Graduates can work for up to two years after a degree-level qualification and up to three years after completing a Ph.D. 

In all cases, be sure to confirm your visa conditions with an immigration adviser before starting work. For more information, see the UKCISA website. 

Student life in the UK: Your next great adventure 

Once you have control of all your paperwork, student life in the UK is exciting – and we’re sure it will be full of positive adventures.  

While it might seem a little overwhelming, remember you won’t have to do everything yourself. Your future universities will provide support, advice, and resources to help you. And when you arrive, you’ll be joining a thriving international community of students.  

PTE Academic helps you prove your level of English for visa and study purposes – and is accepted by 99% of UK universities.  

Find out more about how it can help you achieve your goals of living and studying in the UK. 

Related Content

  • Image- study group 800px
    Part 1: English Speaking & Writing Test Introduction
    By PTE Author
    Reading time: 5 minutes

    Part 1 of PTE Academic will take 77-93 minutes and will test your speaking and writing skills.

    To test speaking skills, you will be assessed on your ability to produce spoken English in an academic environment.

    Your writing skills will be assessed by giving written responses in academic English using correct grammar, spelling, and structure.

    Personal Introduction

    First, you will be asked to give a personal introduction to give some information about yourself.

    You will have 25 seconds to read the prompt and prepare your response. You will only have 30 seconds to record a response and can only record this once.

    Don’t worry, your personal introduction is not scored but will be sent together with your score report to the institutions selected by you.

    For the speaking and writing test, there are seven types of questions that you will be scored on. Below, we will break down each part of this section of the test.

    Read Aloud

    The first question type to test your reading and speaking skills will be the Read Aloud assessment. In this test there are 6-7 questions.

    You will be shown a text prompt that will be up to 60 words. You will have 30-40 seconds to prepare by reading the passage. You will also have a set time to read aloud, which will vary by item, depending on the length of the text.

    To complete the question, speak clearly and straight away after you hear a tone. You must finish speaking before the progress bar on the screen reaches the end.

    You can receive a maximum of 3 points for the content spoken, a maximum of 5 points for oral fluency, and a maximum of 5 points for pronunciation.

    Repeat Sentence

    The second question type is Repeat Sentence, which will test listening and speaking skills.

    You will listen to a recording between 3-9 seconds and are given 15 seconds to answer.

    Once the microphone shows as recording, you will need to speak straight away and say all the words that the speaker uses, in the same order.

    For this question, you can receive a maximum score of 3 for content, a maximum 5 for oral fluency, and a maximum of 5 points for pronunciation.

    Describe Image

    The third question type will test speaking skills by describing an image. There are 6-7 questions.

    You will be shown an image and have 25 seconds to study the image and prepare your response. For this task, use the Erasable Noteboard Booklet to take short notes.

    After a short tone is heard, start speaking straight away. You will have 40 seconds to answer and must finish speaking before the progress bar reaches the end.

    In this question type, you can receive a maximum of 5 points for content, a maximum of 5 points for oral fluency, and a maximum of 5 points for pronunciation.

    Re-tell Lecture

    The fourth question type, Re-tell Lecture, will test your listening and speaking skills. There are 3-4 questions in this test.

    You will be given a prompt of up to 90 seconds and will have 40 seconds to answer.

    Audio will be played straight away and you may also see an image related to the audio. While you are listening use the Erasable Noteboard Booklet to take short notes.

    Once the audio finishes you have 10 seconds to prepare. To complete the task, in detail, you will need to cover the situation, characters, aspects, actions, and developments given in the recording.

    You can receive a maximum score of 5 points on content, a maximum of 5 points on your oral fluency, and a maximum of 5 points for pronunciation.

    Answer Short Question

    The fifth question type, Answer Short Question, will assess listening and speaking skills. There are 10-12 questions in this test.

    Here, you will be given a prompt of 3-9 seconds and will have 10 seconds to answer the question.

    You will be required to answer a short question with a clear, simple, single word or a few words. This will not test general knowledge, it will simply test your vocabulary.

    You will receive 1 point per correct word. No points are given for no response or incorrect response.

    Summarize Written Text

    In the first question type in the writing section, you will be required to Summarize Written Text, which will test reading and writing skills.

    You will read a text of up to 300 words and have 10 minutes to write your summary. You will do 2-3 of these questions depending on the combination of tasks in the given test.

    In this assessment, you must write just one sentence. Try using the Erasable Noteboard Booklet to take notes of the main points.

    Make sure to include the main points of the text in a full, single sentence of no more than 75 words.

    You can receive a maximum score of 2 points for content, maximum 1 point for the formal requirements, a maximum of 2 points for grammar and a maximum of 2 points for vocabulary.

    Essay

    The last question type of the Speaking and Writing Test will test writing skills.

    In this question type, you will be provided with 2-3 sentences of text prompt and have 20 minutes to answer, by writing a 200-300 word argumentative essay on a given topic.

    Time management is important for this task as you will need to plan, write and proofread your essay.

    In this question, there are many parts where you can receive points. You can receive a maximum of 3 points for the content, maximum of 2 points for the formal requirements and maximum 2 points for development, structure and coherence.

    You can also receive a maximum score of 2 points for grammar, maximum 2 points for general linguistic range, maximum 2 points for vocabulary range and a maximum of 2 points for no spelling errors.

    There is a total of 15 points that you can pick up in this question type.

    What's next?

    Read more about Part 2: Reading Test Introduction.

    Want more prep ideas?

    Plus, explore Smart Prep, which combines all our practice materials in one place, so it's easier for you to stay on track with your PTE preparation.

    • Smart Prep is a clear path to test day, guiding you through the official paid and free resources available for your test

    • It can be accessed whether you’ve booked a test or not – just create, or sign in to your myPTE account

    • Preparation materials include guided practice tests, introductory videos, video courses and test tips.

    Ready to get started?

  • Image, student, 800px x 451px
    Australian loans for international students
    By PTE Author
    Reading time: 5 minutes

    It’s not hard to understand why so many international students want to move to Australia. The country has a world-class education system, excellent climate, and high quality of life. But studying in Australia can be expensive – and you need to be financially prepared before you take the leap.  

    In this blog, we’ll help you get started. We’ll explore the student loan options available for international students in Australia, as well as other ways to fund your studies.  

    How much money will I need? 

    Before you begin to research student loans, it’s important to understand how much it costs to live and study in Australia. You can use the Course Search Tool to find out detailed tuition fee for your dream course and the Cost of Living Calculator to estimate the living cost based on the city you want to move to.  

    What student loans in Australia could I be eligible for? 

    Australia’s student loan system is known as the Higher Education Loan Program (HELP).  Unfortunately, HELP can only be accessed by Australian citizens or individuals who hold a humanitarian visa. However, there are still lots of other student loans available for international students in Australia.  

    University loans 

    Universities across Australia provide loans for local and international students. Most institutions offer both short-term and long-term loans; these can help students cover emergencies, as well as pay for bigger expenses.  

    Here are a few examples of what some universities offer:  

    • The University of Melbourne will loan eligible students up to$5,000 AUD ($3,883 USD) if they have an Australian co-signer. They’ll loan students up to $3,000 AUD ($2,330 USD) if their co-signer lives overseas or isn’t an Australian citizen/ permanent resident. 

    • The University of Sydney offers loans up to $2,000 ($1,550 USD), which can be paid back up to two years after graduation.  

    • Students in need of financial assistance at Monash University can take out loans between $750-$3,000 AUD ($544 – $2,330 USD), to be paid back within 6-12 months. 

    Universities across Australia offer similar loans. It’s best to check directly with your institution to see exactly what loans are available to students – and to make sure you’re eligible.  

    International student loan schemes  

    You might be eligible to take out federal student loans in your home country to study in Australia. For example, students from the U.S., Canada, Sweden, Norway, or Denmark who attend the University of Sydney can access government funding from home.  

    Private loans  

    A private loan is one of the simplest forms of international student loans in Australia: you borrow money from a bank or similar lender and repay the loan (with interest) over an agreed-upon period of time. These loans can be secured – which means they’re tied to collateral – or unsecured. But with unsecured loans, interest rates are usually higher. 

    How else can I pay for my studies? 

    Student loans aren’t the only way to pay for your education in Australia. Here are a few other options to consider:  

    Work in Australia  

    Many international students are attracted to Australia because they know they’ll be able to work. Unlike other studies abroad destinations, you can work up to 48 hours every two weeks while studying and unlimited hours during study breaks on an Australian student visa. Even more, the minimum wage in Australia is $24.10 per hour or $915.90 per week – meaning many international students are able to pay for some of the costs associated with living in Australia while they study.   

    Apply for scholarships 

    There are a number of scholarship opportunities for international students in Australia – both funded by the government, and universities. Some, like Australia Awards scholarships, support students with full tuition, living costs, and airfare. Check out the Australian Government’s search tool to find a scholarship that’s right for you.  

    Read more: scholarships for international students in Australia 

    Take out a private loan in your home country

    To apply for a student visa in Australia, you need to prove you have sufficient funds. For this reason, many students decide to take out a private bank loan in their home country before coming to study in Australia.

    As you can see, there are lots of ways to fund your studies in Australia as an international student. But everyone’s financial situation is different, so we recommend doing lots of research to find a loan you feel confident about – and one that will work for you both during, and after university.

    Still, deciding where in the world you want to study? Check out our article types of loans for international students, which explores more loan options in Canada, the U.S., and the U.K.

    We are not immigration agents. For all up-to-date information about visa rules and regulations, see the official guidelines on the Australia Department of Home Affairs website.

    Last updated 20 December 2024.

  • Image- scholarships, 800px x 451px
    Scholarships for international students in the UK
    By PTE Author
    Reading time: 3 minutes

    The UK is home to some of the most prestigious universities in the world. And, being awarded a scholarship to study in the UK can give you access to a top-level education at a more affordable price.  

    So, how do you apply? UK university scholarships are offered by both the UK government and individual universities – and are available for undergraduate, postgraduate, and PhD students alike. In this blog, we’ll highlight some of the top scholarships for international students in the UK:  

    Undergraduate scholarships in the UK