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Comparing current accounts

An at-a-glance guide to our current account features

Current accounts are one of the most common ways of storing your money safely, with instant access to funds (subject to available funds).

All of our standard current accounts come with a contactless debit card, Apple and Google Pay, optional cheque book and access to our mobile, telephone and internet banking.

Browse our range of current account options to help you discover which account would suit you. This information can help you make an informed choice as well as using our Fee Information Documents and Glossary of Terms. All accounts are subject to status and eligibility. Terms and conditions apply.

Clydesdale Bank, Yorkshire Bank, B and Virgin Money are becoming one bank

In October 2018, Virgin Money plc (Virgin Money) joined forces with Clydesdale Bank PLC (Clydesdale). If you have any products with Virgin Money, we need you to read some information before you apply. This includes how your Financial Services Compensation Scheme (FSCS) protection could be affected.

Find out more (opens in a new window)

Works with the B app

B Current Account [1]

  • No monthly fee to maintain the account
  • 16 minimum age (18+ if you want to apply online)
  • Works with the B app. What is this?
  • Interest paid on credit balances up to £2000
  • Comes with B Instant Savings Account
  • Arranged [2] and unarranged overdraft [3]
  • Arranged and unarranged overdraft grace days [4]
  • Fees [5] and fee caps[6]
  • Offset mortgage facilities.

Find out more about our B current account (opens in a new window)

Signature Current Account

  • £13.50 Monthly Fee For Maintaining The Account
  • Apply in branch or by telephone
  • 18 minimum age
  • Option of linked savings account
  • Arranged [2] and unarranged overdraft [3]
  • Fees [5] and fee caps[6]
  • Offset mortgage facilities.
  • Worldwide travel insurance [7]
  • UK breakdown cover [8]
  • Mobile phone insurance [9]
  • Gadget insurance [10]
  • ID Defender. [11]
  • My Signature Rewards - access to offers and discounts on certain travel, leisure and shopping

Find out more about our Signature Current Accoun (opens in a new window)

Current Account Control

  • £7.50 Monthly Fee For Maintaining The Account
  • Apply in branch
  • 18 minimum age
  • Option of linked savings account
  • Arranged overdraft [2]
  • Controls in place to help prevent unarranged overdrafts. If this does happen, we won’t charge you a fee.
  • Offset mortgage facilities.

Find out more about our Current Account Control (opens in a new window)

Our other accounts

Readycash account

Our basic bank account, only available to customers who are aged 16 years and over and not eligible for one of our standard Current Accounts. May also be available for customers experiencing financial difficulties.

Find out more

Private Current Account

Our Private Current Account is available to individuals with annual earnings of at least £75,000, joint incomes of £100,000, or investable assets of £100,000. Access is through our private banking service which has a monthly fee to maintain the account of £25 and includes access to a Private Development Manager. Subject to status and eligibility. 18+ T&Cs apply.

Find out more

Switching your account to Yorkshire Bank

You can switch your existing bank account to us within 7 working days with the Current Account Switch Service. The service is easy to use and we'll do everything for you.

Find out more about switching
FSCS

Please see FSCS leaflet download for futher information or visit www.fscs.org.uk

  1. Both a B Current and B Instant Savings account must be opened at the same time and both held to take full advantage of all the features of the accounts and the B app. You’ll also need a compatible smartphone or tablet to take advantage of all the tools.
  2. Arranged overdraft (subject to status) is when you have arranged an overdraft limit with us on your current account, allowing you to continue to make payments up to the value of your limit. A Monthly Arranged Overdraft Fee is applied each month you use arranged overdraft greater than the value of the Arranged Overdraft Buffer Amount. B Current gives you two working days each month to reduce your arranged overdraft to below the buffer (£25) before you're charged the Monthly Arranged Overdraft Fee.
  3. Unarranged overdraft happens when you exceed the amount available in your account (including any arranged overdraft); a Daily Unarranged Overdraft Fee is applied on each business day that you are in an unarranged overdraft which is greater than the value of the your Unarranged Overdraft Buffer Amount. B Current gives 2 working days grace to bring your unarranged overdraft to less than the buffer amount (£10) before the fee is charged.
  4. The grace period gives you two business days to bring your arranged and unarranged overdraft to less than the buffer amount before the fee is charged. You qualify for another grace period when you reduce your unarranged overdraft to less than than the buffer amount.
  5. A Refusing A Payment Due to Lack of Funds Fee will be charged when there is not enough money in your account or arranged overdraft to make a payment and we refuse the request. We will not charge this fee if the value of the payment that is refused is £15.00 or less. This is the Refusing A Payment Due to Lack of Funds Fee Buffer Amount.
  6. The fee cap means that you'll never pay more than the cap value per calendar month in Monthly Arranged Overdraft, Daily Unarranged Overdraft and Refusing A Payment Due to Lack of Funds Fees. The cap does not apply to debit interest. We have a Monthly Cap on Unarranged Overdraft Charges. This means you'll never pay more than the cap per month in Daily Unarranged, Overdraft and/or Refusing A Payment Due to Lack of Funds Fees. 1. Each current account will set a Monthly Maximum Charge for: (a) going overdrawn when you do not have an arranged overdraft; or (b) going over/past your arranged overdraft limit (if you have one). 2. This cap covers any: (a) interest and fees for going over/past your arranged overdraft limit; (b) fees for each payment your bank allows despite lack of funds; and (c) fees for each payment your bank refuses due to lack of funds.
  7. Provided and underwritten by American International Group UK Limited.
  8. Provided by Green Flag and underwritten by U K Insurance Ltd
  9. Provided by Lifestyle Services Group Ltd and underwritten by Assurant General Insurance Ltd
  10. Provided by Lifestyle Services Group Ltd and underwritten by Assurant General Insurance Ltd
  11. Provided by Lifestyle Services Group Ltd

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Branch locator

Prefer to talk to us?

Call us to speak to an advisor or apply for a current account by phone

0800 678 3380

Or if you're abroad / Outside UK

+44 141 952 4068

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You can find impartial information and guidance on money matters on the “Money advice service” website.
Yorkshire Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.