Everyday life can throw many challenges at us, so it's good to have an extra help with managing our finances. As a private banking customer with Yorkshire Bank, you will have access to a Private Manager who can help you with your more complex banking needs and act as a gateway to a range of specialist or bespoke services.
Private banking is available to customers who have individual earnings of more than £75,000, joint incomes of £100,000 or investable assets of £100,000. A fee of £25 per month applies.
Product fees may apply.
Terms and conditions apply. All credit facilities are subject to status and applicants must be aged 18 or over.
The Private Current Account delivers all the everyday banking services you might need, including instant access to your money. It also comes with the option of linking your surplus credit balances to a Private Savings Account.
You and your family will also receive Worldwide Family Multi-Trip Travel Insurance, provided by American International Group UK Limited. This multi-trip travel insurance policy provides up to 31 days cover per trip and there's no annual limit on the number of times you can travel. Your travel insurance includes up to 17 days winter sports, business and golf cover. You and your partner are covered, provided you live together and are under 75 years old, plus up to four dependant children under the age of 18. Cover is not provided for undeclared pre-existing medical conditions or for any claims arising before or during trips in, to or through Cuba, Iran, Syria, Sudan, North Korea , the Crimea region, or countries where the Foreign office has warned against all but essential travel.
Full details of the cover available can be found in the Private Current Account policy summary (PDF, opens in a new window), Worldwide family multi-trip travel insurance policy document (PDF, opens in a new window) and Private Current Account Insurance product information document (PDF, opens in a new window).
If you have any questions regarding this, please contact the following numbers below;
For 24 Hour Emergency Assistance: +44 (0)1273 401090
Flybe has confirmed that it has entered Administration on 5 March 2020 and all flights have been grounded. This means that all flights provided by Flybe have been cancelled and are no longer operating.
If you are a Flybe customer, you are advised to make your own alternative travel arrangements via other airlines, rail or coach operators.
There is no cover provided for this event under the travel insurance policy provided by the Private Account. However, please check the information below as you might be entitled to claim.
If you have booked flights or a trip that includes flights with a travel firm that holds an ATOL (Air Travel Organiser's Licence) and received confirmation that you are ATOL protected, the travel firm is responsible for your flight arrangements and must either make alternative flights available for you so that your trip can continue or provide a full refund. If you are abroad, it should make arrangements to bring you home at the end of your trip. Contact the ATOL travel firm for more information.
If you booked directly with Flybe and paid by credit card you may be protected under Section 75 of the Consumer Credit Act 1974 and should contact your card issuer for further information. Similarly, if you paid by debit or charge card you should contact your card issuer for advice as you may be able to make a claim under their charge back rules.
If you booked your ticket through an airline ticket agent, you should speak to the agent in the first instance; they may have provided travel insurance that includes Scheduled Airline Failure Insurance (SAFI) or taken out their own SAFI cover which will enable them to refund or cover the cost of a new ticket to get you home if you are currently abroad. If you did not book directly with Flybe and purchased your tickets through an intermediary, you should contact your booking or travel agent in the first instance.
If you are abroad, or have a future booking and have not yet travelled and require additional information or assistance, please contact the Administrators by phone on 0207 951 7801 or by email at firstname.lastname@example.org.
The UK Civil Aviation Authority is proving further advice and information via their website, for more information please visit www.caa.co.uk/News/Advice-to-UK-consumers-following-Flybe-entering-administration.
You can contact the insurer, AIG, in the normal way if you need to make a claim.
(Lines are open Monday to Friday between 8am and 8pm and on Saturdays and Bank Holidays between 9am and 5pm.)
On 11 March 2020 the World Health Organisation classified coronavirus as a pandemic. Unfortunately our travel insurance partner AIG does not provide cover for any claim relating to a set of circumstances which you were aware of at the time your Private Current Account was opened and/or the booking of your trip and which could reasonably be expected to lead to a claim.
Therefore, coronavirus related claims will be considered for any element of travel booked on or before 11 March, subject to the policy conditions and Foreign and Commonwealth Office guidance. Any element of your trip booked after this date will not qualify for coronavirus related claims.
For more information on how the coronavirus may impact you, please visit our dedicated coronavirus travel support centre.
You can contact the insurer, AIG, in the normal way if you need to make a claim.
If you’re planning a trip to a European country in the next few months, you might be wondering if everything will go according to plan in the event that the UK leaves the EU.
The UK government and the European Commission have said that everything should continue to run as normal, including your flights. But if you do need to make a Brexit-related claim, we’re here to help.
What happens if your baggage is delayed?
Your cover will work in the usual way, please double check the terms and conditions in your policy.
What happens if you have to pay for medical treatment while you’re away?
Your cover will work in the usual way. Your policy doesn’t require you to have a European Health Insurance Card (EHIC) so even if EHICs aren’t valid after Brexit, your policy and coverage will stay the same.
What happens if your trip is cancelled, cut short or you miss your departure?
Your travel insurance works on a ‘named perils’ basis. That means the insurance protects you against the problems or events specifically named in your policy.
Brexit isn’t one of these, so you won’t be covered if a Brexit-related event means you have to cancel or cut short your trip, or if you are delayed or miss your departure because of it. This includes if you are not able to get the passport or visa you need for your trip, so be sure to check yours is valid as soon as possible. You can head to www.gov.uk for lots of helpful information on this.
What happens if you experience any other problems?
If you (or any other person covered by this policy) are unable to complete your trip because of reasons out with your control and these reasons fall within the conditions of the policy, your cover will continue as normal.
You can cancel your policy within 30 days of opening your Private Account.
Every claim is handled on a case-by-case basis, according to your policy’s terms and conditions.
If you have any questions about travel insurance and Brexit, please contact AIG Travel on 0330 123 3129 or email@example.com.
Current Account Tracker provides the same features as our Private Current Account but without travel insurance cover.
The Financial Conduct Authority requires us to publish information about our personal current accounts, which can be found here.
B Traveller gives you six free visits to more than 800 airport lounges worldwide and discounts at selected airport restaurants. An airport lounge visit is one entry per person and additional visits can be booked via the app at a discounted rate.
The Current Account Switch Service makes moving your current account to us simple. Find out moreabout our current account switch service.
^ Anyone aged 16 years or over is eligible to apply for a Cash ISA and for a Stocks and Shares ISA applicants must be 18 or over. You must be resident or ordinarily resident in the United Kingdom.
Your Private Manager can introduce you to our mortgage specialists to ensure you find the mortgage that suits your circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage
Whether you would like to buy a car, or make any other capital purchase, an experienced Asset Finance specialist can provide you with competitive and convenient solutions that can be tailored to suit your situation and cash flow. Subject to status and eligibility. You do not legally own the asset until you have repaid the agreement.
Yorkshire Bank has chosen Origen Financial Services, one of the UK’s largest financial advisory businesses, as our Wealth Referral Partner and can introduce you to an Origen financial advisor if you have any financial planning needs. Origen provide high quality advice to high net worth individual and corporate clients and offer advice on a transparent fee basis. For providing this referral service, Yorkshire Bank will receive a percentage of the advice fee charged by Origen. Find out moreabout our Wealth Referral Advice Service.
It’s vital to plan your finances, particularly if you undertake transactions overseas. That’s where our Foreign Exchange Solutions can help, by reducing your exposure to currency fluctuations, and helping you budget and protect your money.
Subject to status and eligibility. Please be aware that this may stop you - either in part or full - benefiting from any favourable changes in the underlying market.
For more information, speak to your Private Manager today.
Or call 0800 587 5871 (Open 24 hours)
For details of ISAs, investment limits and how they might suit you, contact your relationship manager.
Your eligible deposits with Clydesdale Bank PLC are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme.
This limit is applied to the total of any deposits you have with the following: Clydesdale Bank, Yorkshire Bank, B and Virgin Money. Any total deposits you hold above the limit between these brands are unlikely to be covered.
Contact your Private Manager
0800 587 5871
24 hours, 7 days a week
Alternatively use our online contact form and we will call you.
This service may be temporarily unavailable during periods of routine maintenance.