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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. All accounts are subject to status and eligibility. Terms and conditions apply.

Works with the B app

B Current Account [1]

  • No monthly account fee
  • 16 minimum age (18+ if you want to apply online)
  • Works with the B app
  • Interest paid on credit balances up to £2000
  • Comes with B Instant Savings Account
  • Planned [2] and Unplanned borrowing [3]
  • Unplanned borrowing 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 account fee
  • Apply in branch or by telephone
  • 18 minimum age
  • Option of linked savings account
  • Planned [2] and Unplanned borrowing [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 account fee
  • Apply in branch
  • 18 minimum age
  • Option of linked savings account
  • Extra account controls to help prevent unplanned borrowing fees
  • Planned borrowing [2]
  • 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 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 Clydesdale Bank

You can switch your existing bank account to us within 7 working days with the switch account 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. Planned borrowing (subject to status) is when you have agreed an overdraft limit with us on your current account, allowing you to continue to make payments up to the value of your agreed overdraft limit. A monthly planned usage fee is applied each month you use planned borrowing greater than the value of the planned borrowing buffer amount. B Current gives you two working days each month to reduce your borrowing to below the buffer (£25) before you're charged the monthly planned usage fee.
  3. Unplanned borrowing happens when you exceed the amount available in your account (including any agreed overdraft); a daily unplanned borrowing fee is applied on each business day that you are in an unplanned position which is greater than the value of your unplanned borrowing buffer amount. B Current gives 2 working days grace to bring your unplanned borrowing to less than the buffer amount (£10) before the fee is charged.
  4. The grace period gives you two business days to bring your Unplanned Borrowing to less than the buffer amount before the fee is charged. You qualify for another grace period when you reduce your Unplanned Borrowing to less than the buffer amount.
  5. A returned item fee will be charged when there is not enough money in your account or agreed overdraft to make a payment and we refuse the request. We will not charge the returned item fee if the value of the unpaid item is £15.00 or less. This is the returned item fee buffer amount.
  6. The fee cap means that you'll never pay more than the cap value per calendar month in monthly planned usage, daily unplanned borrowing and returned item fees. The cap does not apply to debit interest. We have a monthly cap on unplanned borrowing charges. This means you'll never pay more than the cap per month in Daily Unplanned Borrowing and/or Returned Item Fees. The banking industry definition of monthly cap on unarranged overdraft charges is set out below. Where you see the terms 'arranged overdraft' or 'unarranged overdraft', those have the same meaning as 'planned borrowing' and 'unplanned borrowing' as explained in your account terms and conditions and tariff. 1. Each current account will set a monthly maximum charge for: (a) going overdrawn when you have not arranged an 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 AIG Europe Ltd
  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

Branch locator

Find your nearest Yorkshire Bank branch, Business and Private Banking centre or ATM

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

  • We're here
  • Mon-Fri 8am - 8pm
  • Sat 9am - 5pm
  • Sun 10am - 5pm

For your security calls may be monitored or recorded.

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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.