🇬🇧 The Luodi settlement guide

Settling in the UK, sorted

Practical guides for international students — banking, council tax, NHS, visas, housing and the bits no one explains.

Accessing mental health support as an international student cover image
NHS & Health4 min

Accessing mental health support as an international student

Where to get free mental health support in the UK as an international student — university counselling, NHS Talking Therapies, and crisis lines explained.

23 Sept 2026

Switching from BRP to eVisa: what international students need to do cover image
Visas & BRP5 min

Switching from BRP to eVisa: what international students need to do

BRPs have been replaced by digital eVisas. Here's how to create your UKVI account, link your BRP, and use share codes to prove your status.

21 Sept 2026

Living with non-students: what happens to your council tax cover image
Council Tax4 min

Living with non-students: what happens to your council tax

Full-time students are disregarded for council tax, not simply exempt. When you share with a non-student, the rules change — here's how the discount works and what you need to do.

18 Sept 2026

How to get a UK address letter for opening a bank account cover image
Settling In5 min

How to get a UK address letter for opening a bank account

Getting a UK address letter as an international student isn't complicated — but you need to know exactly what banks accept. Here's what to ask for and who to ask.

16 Sept 2026

Can you open a UK bank account before arriving? cover image
Banking4 min

Can you open a UK bank account before arriving?

Yes — Monzo, Starling, Revolut and Wise all let you sign up from abroad with just your passport and a selfie. High-street banks need a UK address first.

14 Sept 2026

How to avoid rental scams as a student in the UK cover image
Accommodation5 min

How to avoid rental scams as a student in the UK

Rental scams target students before they even arrive in the UK. Here is how to spot fake listings, verify landlords, and protect your deposit before you hand over any money.

11 Sept 2026

The Immigration Health Surcharge (IHS) explained cover image
NHS & Health5 min

The Immigration Health Surcharge (IHS) explained

The IHS is the fee international students pay for NHS access when applying for a UK visa. Here's what it covers, what it costs, and how it works.

9 Sept 2026

Tax on part-time work as a UK student: do you owe anything? cover image
Money Admin4 min

Tax on part-time work as a UK student: do you owe anything?

Working part-time in the UK as a student? Here's what you owe in income tax and National Insurance — and how PAYE handles it all automatically.

7 Sept 2026

TfL student Oyster card explained cover image
Transport4 min

TfL student Oyster card explained

The 18+ Student Oyster photocard gives London students 30% off Travelcards and Bus & Tram Passes. Here's who qualifies, how to apply, and what the discount actually covers.

4 Sept 2026

How much a UK Student visa really costs cover image
Visas & BRP5 min

How much a UK Student visa really costs

A clear breakdown of the UK Student visa application fee and Immigration Health Surcharge, with worked totals for a one-year Master's and a three-year degree.

2 Sept 2026

16–25 vs 26–30 Railcard: which one to get as a UK student cover image
Transport8 min

16–25 vs 26–30 Railcard: which one to get as a UK student

Both railcards cost £30 a year and cut a third off National Rail fares. Find out which suits international students best, by age and course length.

31 Aug 2026

UK scholarships for international students: what exists and how to apply cover image
Universities & applications11 min

UK scholarships for international students: what exists and how to apply

UK scholarships range from fully-funded government programmes like Chevening and Commonwealth to £10,000+ university awards. Here's what exists, who qualifies, and how to apply.

28 Aug 2026

University halls vs private renting: which is right for you cover image
Accommodation9 min

University halls vs private renting: which is right for you

Halls or private renting as an international student in the UK? A plain breakdown of costs, guarantors, bills, and contracts — with the details most guides skip.

26 Aug 2026

Monzo vs Starling vs Revolut for UK students cover image
Banking9 min

Monzo vs Starling vs Revolut for UK students

Monzo, Starling and Revolut compared for international students opening a first UK account — with the fees, transfers and setup that actually matter.

24 Aug 2026

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Settling In4 min

The Life in the UK test: do students ever need it?

Most students on a Student or Graduate visa don't need the Life in the UK test right now. Here's who does, what it costs, and how to prepare.

21 Aug 2026

Managing money as an international student in the UK cover image
Money Admin11 min

Managing money as an international student in the UK

Everything you need to know about banking, budgeting, tax, and sending money as an international student in the UK — from opening your first account to building a monthly budget.

19 Aug 2026

UK Student visa requirements: what you actually need cover image
Visas & BRP14 min

UK Student visa requirements: what you actually need

Everything you need to apply for a UK Student visa — CAS, maintenance funds, English tests, ATAS, TB test, and how long decisions take. Updated for 2026.

14 Aug 2026

Healthcare in the UK for international students cover image
NHS & Health13 min

Healthcare in the UK for international students

Everything you need to know about using the NHS as an international student: GP registration, what's free, prescriptions, mental health support and emergency care.

12 Aug 2026

How to apply for a student council tax exemption (step by step) cover image
Council Tax5 min

How to apply for a student council tax exemption (step by step)

Full-time students are exempt from council tax in the UK, but the exemption isn't automatic — you have to apply. Here's exactly how to get your certificate and submit it to your council.

10 Aug 2026

Affordable UK universities for international students cover image
Universities & applications8 min

Affordable UK universities for international students

Tuition at smaller UK universities starts around £13,000 a year — half the Russell Group rate. Here's where the real savings are and how to compare total cost, not just fees.

7 Aug 2026

Getting around the UK as a student cover image
Transport10 min

Getting around the UK as a student

How to travel the UK on a student budget — rail, bus, coach, cycling and driving explained, with Railcard discounts and London Oyster tips.

5 Aug 2026

Where to live as an international student in the UK cover image
Accommodation10 min

Where to live as an international student in the UK

A practical guide to university halls, private student halls, and private renting — covering costs, timing, contracts, deposits, and guarantors.

3 Aug 2026

How to apply for a National Insurance number as a student in the UK cover image
Money Admin4 min

How to apply for a UK National Insurance number as a student

Step-by-step guide to getting your NI number as an international student in the UK — what you need, how to apply online, and what to do while you wait.

31 Jul 2026

The UK post-study work visa (Graduate route) explained cover image
Visas & BRP5 min

The UK post-study work visa (Graduate route) explained

Everything international students need to know about the Graduate route: who qualifies, what it costs, how long it lasts, and what changes in 2027.

29 Jul 2026

How to register with a GP as an international student cover image
NHS & Health5 min

How to register with a GP as an international student

Registering with a GP in the UK is free for international students who paid the IHS — here's how to find a surgery, what documents to bring, and how the process works.

5 Jul 2026

Your first 30 days in the UK: the international student checklist cover image
Settling In14 min

Your first 30 days in the UK: the international student checklist

BRP collection, bank accounts, GP registration, council tax exemption and National Insurance numbers, in the order that actually works during your first month.

30 Jun 2026

Amber gradient cover with house emoji for the UK council tax student exemption guide
Council Tax6 min

Council tax student exemption in the UK: the complete guide

Full-time students don't pay council tax in the UK. Here's exactly how to claim the exemption, what proof you need from your university, and what happens when you live with non-students.

Luodi team · 26 Jun 2026

Coral gradient cover with debit card emoji for the UK bank account guide
Banking5 min

How to open a UK bank account as an international student

A step-by-step guide to opening a UK bank account as an international student — digital banks, high-street options, the documents you need, and what to do if you don't have a UK address yet.

Luodi team · 26 Jun 2026

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