Summary box

Interest is calculated on a daily basis and is paid quarterly and at Maturity.

This is only an example and does not take into account your individual circumstances.

The examples assume that:

• no further deposits or withdrawals are made
• any interest earned stays in the account; and
• there will be no change to the interest rate during the term.

The account can only be opened online www.ybonline.co.uk.

Interest is paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter.

The rate of interest on this account is tiered. You will earn one rate based on your account balance.

These are only examples for illustrative purposes and do not take into account your individual circumstances.

The examples assume that:

• no further deposits or withdrawals are made;
• any interest earned stays in the account; and
• there is no change to interest rates and tiers.

You may only open a Signature Savings Account if you have a Signature Current Account with us in the same name(s). The Signature Savings Account will remain open, provided the Signature Current Account is maintained as described in the Terms and Conditions.

The account can be opened in branch or online, www.ybonline.co.uk or call us on 0800 678 3380.

There are no minimum or maximum balance restrictions or need to pay in on a regular basis. You must be aged 18 or over.

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter.

This is only an example and does not take into account your individual circumstances.

The examples assume that:

• no further deposits or withdrawals are made;
• any interest earned stays in the account; and
• there is no change to the interest rate.

You may only open a B Instant Savings Account if you have a B Current Account with us in the same name(s). The B Instant Savings Account will remain open, provided the B Current Account is maintained as described in the Terms and Conditions.

The account can be opened in branch or online, www.youandb.co.uk, or call us on 0800 121 7365.

There are no minimum or maximum balance restrictions or need to pay in on a regular basis.

B is available for anyone from the age of 16. If you want to apply online, you’ll need to be at least 18. Subject to status.

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter.

This is only an example and does not take into account your individual circumstances.

The examples assume that:

• no further deposits or withdrawals are made;
• any interest earned stays in the account; and
• there is no change to the interest rate.

The account can be opened in branch or online, www.ybonline.co.uk or call us on 0800 678 3380.

You must deposit at least £1 to open the account. There is no maximum balance restriction or need to pay in on a regular basis. You must be aged 16 or over.

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter. The rate of interest on this account is tiered. You will earn one rate based on your account balance.

These are only examples and do not take into account your individual circumstances.

The examples assume that:

• no further deposits or withdrawals are made;
• any interest earned stays in the account; and
• there is no change to interest rates and tiers.

The account can be opened in branch, or call us on 0800 678 3380.

The minimum amount to open and maintain the account is £500. You must be aged 16 or over.

Withdrawals require 40 days’ notice. Withdrawals without 40 days’ notice are not permitted except in the event of the death of an Account holder (or one of them if a joint account).

You can give notice in branch or by contacting your Relationship Manager.

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Interest is calculated on a daily basis and can be paid at maturity of the Term Deposit. On the 24, 36 and 60 month term deposits you can also select for interest to be added annually or paid out to you monthly or annually. Please note these rates are subject to change and are for illustrative purposes. If our rates have changed we will advise you of the correct rate before you open the Term Deposit.

These are only examples and show the balance at maturity and do not take into account your individual circumstances or the specific manner in which interest is calculated and applied. For example, if you opt to have interest paid out to you monthly or annually the balance would remain the same.

The examples assume that:

• no further deposits or withdrawals are made;
• any interest earned stays in the account; and
• there is no change to interest rates and tiers.

The account can be opened in branch or online, www.ybonline.co.uk or call us on 0800 587 5000, apart from the 60 month term deposit which can only be opened in branch or via telephone. You must be aged 16 or over. Minimum opening balance is £2,000 and maximum is £5,000,000.

We will contact you 35 days before the Term Deposit matures with a rate for another Term Deposit and details of how to add funds, withdraw funds, change the term or close the account. If you are happy to invest again, you do not need to take any action the Term Deposit will be rolled over for the same term.

No, withdrawals or early closure of the Term Deposit are not permitted.

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter. The rate of interest on this account is tiered. You will earn one rate based on your account balance.

This is only an example and does not take into account your individual circumstances.

The examples assume that:

• no further deposits or withdrawals are made;
• any interest earned stays in the account; and
• there is no change to interest rates and tiers.

This is an account for children aged from 6 to 16. If children are over 11 years of age, they can open and operate the account in their name provided their parent, guardian, grandparent or other responsible adult agrees. If children are under 11, the account can be opened in their name and operated by their parent, guardian, grandparent or other responsible adult. Children can have their own dual-function card (acts as a debit card to buy goods and services and for use at ATM’s) when they are 11, providing their parent, guardian, grandparent or other responsible adult agrees.

The account can be opened in branch. The minimum amount to open and maintain the account is £1.

Yes, the controlling adult or child if consent has been given to allow the child to operate the account may withdraw funds by using internet/telephone banking/Mobile Banking Service/ATM or in branch. There is no notice period.

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

The gross interest rate payable is 1% above the Bank of England base rate, which is currently 0.50%. Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter.

This is only an example and does not take into account your individual circumstances.

The examples assume that:

• no further deposits or withdrawals are made;
• any interest earned stays in the account; and
• there is no change to interest rates and tiers.

This is an account for children aged from 0 to 16. An Adult must open and operate the Account on behalf of the child;

The account can be opened in branch. The minimum amount to open and maintain the account is £1.

Withdrawals require 95 days’ notice. Withdrawals without 95 days’ notice are not permitted except in the event of the death of an Account holder. Notice to withdraw can be given in branch.

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Interest is calculated on a daily basis and is paid annually on 31st December or the first business day thereafter. The rate of interest on this account is tiered. You will earn one rate based on your account balance.

This is only an example and does not take into account your individual circumstances.

The examples assume that:

• no further deposits or withdrawals are made;
• any interest earned stays in the account; and
• there is no change to interest rates and tiers.

The account can be opened in branch or online, www.ybonline.co.uk or call us on 0800 587 5000. You must be aged 16 or over.

Minimum deposit required to open and maintain this account is £10. The overall ISA limit for 2018/2019 is £20,000.

Your money is not tied up and you can take your money out of a Flexi Cash ISA at any time without losing any tax benefits. You can carry out transactions online, by phone, at your local branch and by post. No notice is required to withdraw.

Any subscriptions you make in the current tax year can be withdrawn and replaced without the replacement money counting towards your annual subscription limit.

The replacement money has to be paid back into your ISA in the same tax year it is withdrawn or you will lose the ability to replace it.

Tax free - interest is paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.