📚 Smart Ways International Students Save Money with Student Status | 留学生利用学生身份节省开支的实用方法
Studying abroad is an exhilarating adventure, yet the cost of living can quickly pile up. Your student ID is much more than just a library card – it is a golden key to hundreds of discounts, freebies and financial shortcuts that many learners overlook. Applying just a few of these tactics can free up cash for travel, hobbies or simply peace of mind.
留学是一场激动人心的探险，但生活开销可能迅速累积。你的学生证远不只是一张图书馆卡——它是一把金钥匙，能打开数百种折扣、免费福利和理财捷径，许多学生却常常忽略。只需运用其中几项技巧，就能省下资金用于旅行、爱好或仅仅是换来内心的安稳。
1. Student Discount Cards and Apps | 学生折扣卡与应用程序
An International Student Identity Card (ISIC) is recognised in over 130 countries and unlocks reduced museum entry, hostel stays and even flight bookings. In the UK, a TOTUM card (formerly NUS extra) gives you access to Co-op food discounts, gym memberships and fashion retailers. Always carry both physical and digital versions on your phone.
国际学生证（ISIC）在全球130多个国家通用，可享受博物馆门票、青旅住宿甚至机票预订的折扣。在英国，TOTUM卡（原NUS extra卡）能让你在Co-op超市、健身房和时尚零售商处享受优惠。记得在手机上同时保存实体卡和数字版本。
Download UNiDAYS and Student Beans as soon as you enrol. These free apps verify your academic status instantly and release unique promo codes for brands such as Nike, Apple, HelloFresh and ASOS. Check the apps before any online purchase – you will often find 10–20% off or free delivery.
入学后请立刻下载UNiDAYS和Student Beans。这两款免费应用能立即验证你的学生身份，并发布Nike、Apple、HelloFresh和ASOS等品牌的专属优惠码。在任何网购前先查看这些应用——你经常能找到8折到9折或免费配送的优惠。
2. Banking without Fees | 免手续费银行服务
Many high-street banks offer student current accounts with no monthly fee, an interest-free arranged overdraft and a free gift such as a railcard. In the UK, look at accounts from Santander, Barclays or Nationwide. Compare the overdraft limits and ensure the account does not charge when you use it abroad.
许多主流银行提供学生活期账户，免月费、提供免息透支额度，并附赠铁路卡等礼品。在英国，可留意桑坦德、巴克莱或Nationwide银行的学生账户。比较透支额度，并确保在海外使用时不会产生额外费用。
For international transfers, open a digital multi-currency account with Revolut, Wise or Monzo. These fintech services convert currencies at the interbank rate with minimal mark-up, often saving £20–40 per transaction compared to traditional banks. You can also hold and spend local currency directly via the app.
进行国际转账时，可开设Revolut、Wise或Monzo的数字多币种账户。这些金融科技服务按银行间汇率兑换，加成极低，因此每笔交易比传统银行通常能节省二三十英镑。你还可以直接在应用内持有并支出当地货币。
3. Transport Savings | 交通出行省钱攻略
In cities with buses and trams, buy a student travel card or a term pass rather than single tickets. A Transport for London 18+ Student Oyster photocard offers 30% off adult-rate Travelcards and bus passes. Many German states provide a semester ticket that covers all regional public transport for a flat fee.
在有公交和电车的城市，购买学生交通卡或学期通票，而不要买单程票。伦敦交通局的18+学生Oyster照卡可享受成人票价交通卡和公交卡的7折优惠。德国许多联邦州提供学期票，缴纳一次统一费用后即可覆盖区域内所有公共交通工具。
If you travel between cities by train, invest in a 16-25 Railcard (UK) or a Eurail/Interrail youth pass. Both cut standard fares by one-third or more, and the cost is often recovered in a single return trip during reading week. Always book in advance and check if your university has a discount partnership with local coach companies like FlixBus.
如果你乘火车在不同城市间往返，可办理16-25铁路卡（英国）或Eurail/Interrail青年通票。两者均能将标准票价降低1/3或更多，且成本常常在阅读周的一次往返中就能收回。记得始终提前订票，并查看你所在的大学是否与FlixBus等长途客车公司有折扣合作。
4. Affordable Textbooks and Supplies | 平价教材和学习用品
Avoid the campus bookshop at peak times. Search for used copies on BookFinder, World of Books or university Facebook groups. Many international students sell their entire reading list for half the retail price. The library usually keeps core texts on short-term loan, so photograph or scan essential chapters instead of buying the whole book.
避免在高峰期去校园书店购书。可在BookFinder、World of Books或大学Facebook群组中寻找二手书。许多国际生以半价出售整套阅读书单。图书馆通常会将核心书籍保留为短期借阅，因此可拍摄或扫描关键章节，无需购买整本书。
Stationery and lab coats are often cheaper when bought with a student discount at Ryman, Staples or via Amazon Student. Amazon Student provides six months of free Prime delivery and exclusive deals on electronics and textbooks. Combine this with cashback sites like TopCashback for additional savings.
在Ryman、Staples或通过Amazon Student购买文具和实验服时，使用学生折扣往往更便宜。Amazon Student提供6个月免费Prime配送及电子产品和教材的独家优惠。可将其与TopCashback等返现网站结合使用，进一步省钱。
5. Food and Grocery Deals | 食品杂货优惠
Supermarkets near campuses often run a “student night” with 10–15% off. In the UK, Co-op and Lidl accept a TOTUM card or a student union coupon. Download the Too Good To Go app to collect surplus bakery, stir-fry and salad boxes for a fraction of the price at the end of the day.
校园附近的超市经常举办“学生之夜”，提供9折至85折优惠。在英国，Co-op和Lidl接受TOTUM卡或学生会优惠券。下载Too Good To Go应用，可以在当天结束时以极低价格领取余量的烘焙食品、小炒盒和沙拉盒。
Cook in bulk with housemates and split the bill. Ethnic grocery stores and wholesale markets often sell rice, spices and vegetables much cheaper than supermarket chains. A large 5 kg bag of basmati rice and dried lentils can sustain several weeks of nutritious meals for under £10 total.
与室友一起批量烹饪并分摊费用。民族杂货店和批发市场出售的大米、香料和蔬菜通常比连锁超市便宜得多。一袋5公斤的巴斯马蒂大米和一些干扁豆，总共不到10英镑，就能维持数周的营养餐食。
6. Technology and Software Licenses | 科技与软件许可
Apple, Dell, HP and Lenovo all run education stores that slice 5–15% off laptops and tablets. In addition, Apple frequently includes free AirPods during back-to-school promotions. Always verify your institution through UNiDAYS or the manufacturer’s portal to unlock these lower prices.
苹果、戴尔、惠普和联想均运营教育商店，笔记本电脑和平板可享8.5折至9.5折优惠。此外，苹果在开学季促销中常附赠免费AirPods。务必通过UNiDAYS或制造商门户验证你的学校信息，以解锁这些更低的价格。
Your university email grants free or low-cost access to Microsoft Office 365, Adobe Creative Cloud (often 60–70% off) and professional tools like AutoCAD and SPSS. Check the institution’s IT services page before subscribing anywhere else; you might already have a license waiting.
你的大学邮箱让你能够免费或以低廉价格使用Microsoft Office 365、Adobe Creative Cloud（通常低至三到四折）以及AutoCAD和SPSS等专业工具。在别处订阅之前，先查看学校IT服务页面；或许你已有一份现成的许可证。
7. Entertainment and Leisure | 娱乐休闲折扣
Cinema chains such as ODEON and Vue charge student prices with a valid ID, often reducing tickets to £6 or less. Museums and galleries across Europe are either free or heavily discounted for students – the Louvre and the Prado, for instance, offer free admission to under-26 residents and students.
ODEON和Vue等连锁影院凭有效学生证收取学生价，票价通常降至6英镑甚至更低。欧洲各地的博物馆和美术馆要么免费，要么为学生提供大幅折扣——例如卢浮宫和普拉多博物馆对26岁以下居民和学生免票。
Spotify Premium Student, Apple Music Student and YouTube Premium Student plans all cost roughly half the normal subscription. Amazon Prime Student starts with a six-month free trial and then charges around half the standard monthly fee. Split a family plan legally with housemates to drive the cost down further.
Spotify Premium Student、Apple Music学生计划和YouTube Premium学生方案的费用大约为正常订阅的一半。Amazon Prime Student前六个月免费试用，之后每月收费约为标准月费的一半。与室友合法地共用家庭方案，可进一步降低开支。
8. Health and Insurance Options | 健康与保险选择
In countries with a health surcharge like the UK, your Immigration Health Surcharge already covers most NHS services. However, dental and optical care often require extra payment – many university health centres offer discounted check-ups, and vision chains such as Specsavers give student discounts on eye tests and glasses.
在收取健康附加费的国家，如英国，你的移民健康附加费已覆盖大部分NHS服务。但牙科和验光通常需要额外付费——许多大学健康中心提供折扣检查，而Specsavers等连锁眼镜店则为学生提供视力检查和眼镜折扣。
Review your university’s compulsory insurance policy before buying additional cover. Some institutions include personal accident or travel insurance within the tuition fee. For mobile phone or gadget insurance, a student-specific policy from Endsleigh or Protect Your Bubble may be cheaper than adding it to your parent’s home insurance.
在购买额外保险之前，先检查你所在大学的强制保险政策。有些学府已将人身意外或旅行保险包含在学费内。对于手机或电子设备保险，Endsleigh或Protect Your Bubble提供的学生专属保单可能比附加在父母家庭保险中更便宜。
9. Travel and Accommodation Perks | 旅行与住宿福利
Youth hostels and budget hotel chains like YHA (England & Wales) or a&o Hostels give automatic discounts to ISIC or student card holders. For longer stays, websites such as StudentUniverse and STA Travel filter flights and tours specifically for full-time students and under-26 travellers.
青年旅社以及YHA（英格兰和威尔士）或a&o Hostels等经济型连锁酒店会自动为ISIC或学生证持有人提供折扣。对于较长时间的停留，StudentUniverse和STA Travel等网站专门为全日制学生和26岁以下旅客筛选机票和旅行套餐。
During university holidays, consider subletting your room to cut rent or house-sitting for local families. Platforms like TrustedHousesitters connect students with homeowners who need pet care in exchange for free accommodation. Always inform your landlord and check local regulations before subletting.
大学假期期间，可考虑转租自己的房间以降低租金，或为当地家庭看管房屋。TrustedHousesitters等平台为学生联系需要宠物照看的房主，以换取免费住宿。转租前务必告知房东并查阅当地法规。
10. Part-time Work and Tax Benefits | 兼职工作与税务优惠
Your student visa usually permits you to work up to 20 hours per week during term time. Use the university careers portal to find paid internships, campus brand ambassador roles or library desk jobs that fit around lectures. Earnings help build a credit history and offset daily costs without overloading your schedule.
学生签证通常允许你在学期期间每周工作不超过20小时。利用大学职业门户网站寻找与课程不冲突的有薪实习、校园品牌大使或图书馆前台工作。这些收入有助于建立信用记录并贴补日常开销，同时不会让你的日程过于紧绷。
In many jurisdictions, students pay little or no income tax if their earnings fall below the personal allowance (£12,570 in the UK for 2024/25). Keep payslips and apply for a National Insurance number early. At the end of the tax year, you may claim a refund if too much tax was deducted from a short-term summer job.
在许多司法管辖区，若收入低于个人免税额（英国2024/25年度为12,570英镑），学生仅需缴纳极少的所得税甚至无需缴纳。请保存好工资单并尽早申请国民保险号码。若短期暑期工被多扣了税款，可在税务年度结束后申请退税。
11. Student Housing and Utilities Tips | 学生住宿与水电杂费技巧
Organise a shared utility account and carefully split bills using an app like Splitwise. Many energy providers offer a fixed student tariff that includes unlimited usage during certain hours. Register every housemate as a student to claim council tax exemption – a single non-student occupant can trigger a full bill, so communicate with the local authority.
开设合用的水电账户，并使用Splitwise等应用仔细分摊账单。许多能源供应商提供固定学生套餐，特定时段内不限用量。将每位室友注册为学生，即可申请市政税豁免——只要有一位非学生住客就可能产生全额账单，因此一定要与当地市政部门沟通。
To reduce heating costs, buy thick curtains, draught excluders and a hot water bottle before winter. A dehumidifier can make a damp room feel warmer without turning up the thermostat. Landlords in many regions are legally required to maintain a minimum indoor temperature, so know your tenancy rights.
为降低取暖费用，可在入冬前购买厚窗帘、门底挡风条和热水袋。一台除湿机能驱散湿冷感而不必调高暖气温度。在许多地区，房东有法定义务维持最低室内温度，因此务必了解自己的租住权益。
12. Building a Budget with Student Perks | 利用学生福利制定预算
List all your guaranteed student discounts – from Spotify to bus pass – and deduct them from your monthly budget. Use a simple spreadsheet to track weekly spending and colour-code the areas where student status saves the most. This visibility stops small savings from being forgotten and reinvests them into experiences that matter.
列出你所有有保障的学生折扣——从Spotify到公交卡——并将其从月度预算中扣除。使用简易电子表格追踪每周支出，并用颜色标注学生身份节省最多的领域。这种可视化管理让小笔积蓄不被遗忘，并重新投入到重要的体验之中。
Reassess your subscriptions and memberships at the start of each term. Never auto-renew without checking whether a new student offer or a cheaper annual plan has appeared. Set a calendar reminder two weeks before any free trial ends, and consider sharing family plans with trusted coursemates to slash per-head costs by 50% or more.
每个学期初重新评估你的订阅和会员服务。在没有检查是否有新的学生优惠或更便宜的年度方案前，绝不要自动续订。在任何免费试用结束前两周设置日历提醒，并考虑与信得过的同学共享家庭方案，将人均成本砍掉一半甚至更多。
Published by TutorHao | Overseas Student Savings Revision Series | aleveler.com
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