Moving to the UK can be a challenging and daunting journey, especially for Chinese and other international students. Whether it is adjusting to a different culture, managing finances or finding the best way to explore a new city, this guide covers what the international student should know ideally know as soon as possible to make the transition easier.
Therefore, if it is your first time in the UK or need some practical tips, keep reading to learn essential information from finding accommodation to accessing healthcare. Being well prepared will mean it will be easier to focus on studies, and embrace a new chapter.
Where to Live?
Choosing where to live is one of the most exciting and important decisions a student can make while at University. There are many factors to consider when choosing where to you live. The first decision to make is whether to live in student accommodations or private housing.
Student accommodation – large blocks of flats with many student individual furnished bedrooms, commonly with shared kitchens.

Private Housing – renting rooms in a shared household

Both options have its advantages and disadvantages, so here is a pros and cons list to think about:
Pros of living in Student Accommodations
- Social life – The more the merrier. Student accommodations often involve living with many other students who are similar ages and potentially those are also studying the same course, hence why its a great opportunity to meet those with similar interests!
- Convenience – Everything at your doorstep. Whether its a maintenance issue or having to do shopping, most student accommodations are designed to focus on student needs. Quite often the shops are not too far, the train stations close by and should there be any issues, staff members are on site to help you with any questions you may have.
- Facilities – Work hard, play harder. Accommodations provide free WIFI, and student lounge areas to relax and socialize. Some may also have gyms, swimming pools, cinemas and courtyards.
Cons of living in Student Accommodations
- Cost – Everything has a price to pay. Although this is dependent on location and type, most student accommodations tend to cost more due to the positive aspects they offer. Most students end up moving out of student accommodations for this reason after their 1st year.
- Rules – These ones are not to be broken. Most students prefer having rules in place to ensure safety and well being, however, rules such as visitor polices and alcohol polices may make some feel there is less freedom to do what they want.
- Other flatmates – Mess and stress. Most of the time you do not choose who to live with. A common issue is others not cleaning up in the kitchen and communal areas. However, this can be fixed by communicating and coming to an agreement.
Pros of living in private housing
- Choose who to live with – Quality over quantity. Live with your closest friends so there is an understanding from the start of what you expect when living with them.
- Independence – Also more freedom. Private housing can be a great way to do things your own, and explore the city you choose to study in. There are less rules and regulations to follow in terms of how guests you can bring.
- More Quiet – Sometimes less is more. Although it can be nice to be surrounded by more students in student accommodations, if you are someone who struggles to focus because you find yourself too easily distracted by others, less noise around you might be better for you.
Cons of living in private housing
- Less support – One of the biggest differences will be not having staff members on site to help you. This can be quite difficult for some, especially when it comes to overcoming language barriers.
- More responsibilities – This involves having to pay more bills, finding a suitable place to live, maintaining and handling disputes.
- Isolation – With fewer opportunities to socially interact and for networking, there is the possibility of feeling more disconnected.
Ultimately, it is a personal choice and it is important to consider both sides before making a decision. However, most students find living in student accommodation for the first year to be the better option and then consider moving into private housing for the 2nd and 3rd years. This allows them to save costs, but also experience the best of both options.
Managing Finances: Budgeting and Banking
Managing your finances is one of the best ways to ensure a smooth and stress free experience as an international student in the UK. This part of the guide will focus on setting up a bank account and creating a realistic budget, providing actionable steps for you to take, hopefully answering the questions you might have.
Opening a bank account in the UK
Opening a UK bank account after arriving in the UK is one of the very first things you will need to do. This will make it easier to pay bills, receive money from back home, and avoid transaction fees from international transfers that can be costly.
Which bank do I choose?
Many UK banks tend to international students such as HSBC, Barclays, Lloyds and Santander. Benefits include no monthly costs, contactless payments and ease of use mobile banking.

What documents I need?
- Passport and Visa
- Proof of address e.g. tenancy agreement or letter from your University
- A University offer letter or student ID
Bonus tip: Look for a student account that allows less transaction fees, and low overdraft fees.
Creating a budget as a student
Some cities in the UK can be expensive (for example London) and having a budget will help prevent overspending. The best way to start is to break down your expenses into categories.
- Accommodation/Rent
- Food
- Transportation
- Entertainment and Socializing
Bonus tips: Track your expenses on excel or Google sheets so you can keep track. Or use budgeting apps such as Monzo or Revolut to track and monitor to your spending instantly.
For more information and advise on how to manage your finances you can check other resources such as https://ukpersonal.finance/budgeting/.
Currency exchange and international transfer
Using online transfer services can save you on money as opposed to using traditional banks. Services like Wise, Revolut or PayPal can offer cheaper rates.

Healthcare: Medical and Mental Health Services
Healthcare in the UK is different to what Chinese and other international students maybe used to, which is why this guide aims to provide information on how to receive support when you need it.
To access the NHS services you will first need to register. You can click on this helpful guide for international students to find out more specific information: https://www.timeshighereducation.com/student/advice/guide-nhs-international-students-uk
Registering with your GP is also an important step for which you may require proof of identity (your passport is fine) and UK address.
Although GP appointments, hospital treatments and emergency services (dial 999 for this service) is free, prescriptions usually have a charge, as well as dental service and eye care (there may be discounts for students).
Mental Health Support
There is the possibility that adjusting to a new environment can affect a students mental health. In these cases, it is important to consider receiving support as a means of taking care of yourself.
Most universities offer free counselling services to students and can be a helpful way to manage stress, anxiety, homesickness, or any personal challenges you may face during your studies.
As well as the NHS, there is also the option of receiving support online. You can check out the following should you ever need extra support:
- Samaritans (116 123): A 24/7 helpline for people in distress or those needing emotional supports
- Shout (Text “Shout” to 85258): A free, confidential text service for anyone struggling with mental health issues.
- Togetherall: An online peer support community, often offered for free by universities.
Tip: Don’t hesitate to reach out if you’re feeling overwhelmed. It’s important to prioritize your mental well-being, and there are many resources available to help you manage the stresses of student life.
Emergency Support
In case of an emergency, the UK has several options:
- Emergency Number (999): Call 999 for life-threatening emergencies. Ambulances and emergency medical services are free of charge.
- Accident & Emergency (A&E): If you need urgent care but can make it to the hospital yourself, visit the nearest A&E department. You can find your nearest one using the NHS website or mobile apps like What3Words.
Non-Emergency Support
For non-life-threatening but urgent medical issues, you can:
- Call NHS 111 for advice.
- Visit a local walk-in centre or urgent care centre.
Hopefully this page has helped you with some insights about moving into the UK as a Chinese or any other international student. With the right preparation and knowledge, it can be an exciting and enriching experience. From finding the right accommodation to managing your finances, accessing healthcare, each step brings you closer to settling into your new life with confidence.
Best of luck on your journey, and remember to enjoy every step of this adventure! If you have any questions or if you are a student with experience, feel free to share your personal tips to help others in the comments below.
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