Clydesdale Bank’s business is transferring to Nationwide on 2 April. Because Nationwide is a building society, we will no longer be a bank, and our name will change at the same time.

You’ll notice that our statements, letters and emails will look different. To begin with, you may still receive some communications in the current branding, while we make the switch to Clydesdale branding.

We’re sharing the new brand and logo with you in this message.

Today	From 2 April

And the names of our variable interest rates will change:

Your mortgage amount, payment dates, interest rates, account numbers or Terms aren’t affected by these changes. The telephone numbers and customer service contact details will also remain the same.

On 2 April 2026, Clydesdale Bank PLC’s business will become part of Nationwide. This means that Nationwide will become the administrator for your mortgage. Nationwide is the world’s biggest building society and is the second biggest mortgage lender in the UK.
Source: UK Finance

When companies change ownership, it can seem complicated. So, we’ve included in our recent communication, a summary so you can see at a glance what remains the same, and what is changing.

Your mortgage amount, payment dates, interest rates, account numbers, or Terms are not affected by these changes.

Clydesdale branding will replace Yorkshire Bank.

You will still see Virgin Money branding for services that are shared between Clydesdale and Virgin Money – such as for online banking, or when you visit a Virgin Money branch.

You don’t need to do anything. We will manage your mortgage in the same way that we do today. Your mortgage amount, payment dates, interest rates, account numbers, or Terms aren’t affected by these changes. The telephone numbers and customer service contact details will also remain the same.

The changes you will notice are:

• Any communications we send will have our new Clydesdale brand.
• You’ll see Nationwide Building Society (trading as Clydesdale) at the bottom of anything we send you.
• From 3 April, our website address will change to www.clydesdaleonline.co.uk. But don’t worry, the current website address will remain in place for some time. We recommend you bookmark the new address when you first visit. There’s no change to your existing log in details.

Yes. If you are unhappy with the changes we’re making, you can make a complaint. Simply contact us on 0800 048 7013* (or 0113 224 1180** if you’re outside the UK). We’re here from 8am to 6pm, Monday to Saturday, and 9am to 3pm on Sundays. We’ll do everything we can to help.

To make a complaint about a product or service (other than our brand update), please follow our complaints process at virginmoney.com/make-a-complaint. You’ll find the right number to call for the product you have with us.

You can also complete our online complaint form at virginmoney.com/make-a-complaint

Alternatively, write to: The team at Virgin Money, Sunderland, SR43 4JB

Or speak to us in branch. To find your nearest branch, visit virginmoney.com/branch-finder

Whatever question you have, we’re here to help, in person, over the phone and online.

Questions about my mortgage administrator changing, or the Clydesdale rebrand

Give us a call on 0800 048 7013*. We’re here 8am to 6pm, Monday to Friday and 9am to 3pm on Saturdays.

If you prefer, you can email us at yorkshire-rebrand@virginmoney.com or speak to us in branch. To find your nearest one, head to virginmoney.com/branch-finder

Questions about our transfer to Nationwide

Call our dedicated team on 0800 048 7013* (or 0113 224 1180** if you’re outside the UK). We’re here 8am to 6pm, Monday to Friday and 9am to 3pm on Saturdays.

Or head to ‘Questions about the transfer’ section at virginmoney.com/nationwide-transfer

If you prefer, email us at nationwide-transfer@virginmoney.com, or write to us at:
Nationwide Transfer
The team at Virgin Money
Sunderland
SR43 4JB

You can also speak to us in branch. To find your nearest one, head to virginmoney.com/branch-finder

Questions about your mortgage or payments

Call us on 0800 121 4203*. We’re here 8am to 5pm, Monday to Friday (9.30am to 5pm on Wednesdays).

If you’re struggling to make your mortgage payments, you don’t need to face it alone. Call us on 0800 141 2261*

You can also speak to us in branch. To find your nearest one, head to virginmoney.com/branch-finder

Yes. You’ll still be able to visit any Virgin Money branch.

It was recently announced that we’ve extended our Branch Promise. This means we’ll continue to keep all our branches open until at least the start of 2030.

When the business of Clydesdale Bank PLC becomes part of Nationwide, any personal data we use or hold will transfer over with the business, making Nationwide a data controller. As your mortgage lender, Yorkshire Bank Home Loans Ltd will continue to be a data controller.

Data controllers are responsible for how your data is stored and used. The transfer won’t change how you update your personal details or how you exercise your data subject rights.

We may make some changes as we bring the two businesses together. We’ll keep our Privacy Notice up to date at ybonline.co.uk/privacy until 2 April, and at clydesdaleonline.co.uk/privacy-notice from 3 April.

Your marketing permissions will transfer from Clydesdale Bank PLC to Nationwide at the same time as Nationwide becomes the administrator for your mortgage. Your preferences will stay the same, even if you’re also a Nationwide customer and have opted out of their marketing.

Similarly, if you’ve opted out of marketing with us, that won’t change. But you’ll keep getting any marketing communications from Nationwide if you’ve given them permission. For example, if you’ve opted out of marketing with us, but opted into marketing with Nationwide, that won’t change – you’ll continue to receive marketing communications from Nationwide as you do today.

If you want to change your marketing permissions with us, you can do that in our app or by visiting a branch. You can also call us on 0800 048 7013* (or 0113 224 1180** from outside of the UK). We’re here from 8am to 6pm, Monday to Friday and 9am to 3pm on Saturdays.

Fraudsters often try to take advantage of times of change like this.

We'll never:

• Send you a text or email with a link to enter your details, passwords or any security information.
• Ask for your PIN, online password or a one-time passcode that you may have received on your phone.
• Ask you to download software, ask you to allow us to access your device or share your screen.
• Ask you to move your money to a 'safe', ‘holding’ or ‘new Nationwide’ account.

If someone gets in touch and asks you to share financial details or change the way you make your payments, it's a scam. Stop all contact and call us. You can find our number at virginmoney.com/report-fraud

No. We will update your credit file to show your mortgage is with Clydesdale, but it won’t affect your credit score.

If you are signed up to any credit file alerts, your provider may send you a notification when this happens.

No. There won’t be any changes to how offsetting works with your Virgin Money savings or current accounts.

Your mortgage may have ended after we arranged this mailing. We’re sorry if this caused confusion. If you have received this mailing in error, please let us know and we’ll update our records.You can call us on 0800 048 7013*. We’re here 8am to 6pm, Monday to Friday and 9am to 3pm on Saturdays.