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Private banking

A personal touch for your banking services

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.

Contact us

Contact your Private Manager

Call
0800 587 5871
Monday to Friday 8am - 9pm
Saturday 8am - 9pm
Sunday 10am - 5pm

Alternatively use our online contact form and we will call you.

This service may be temporarily unavailable during periods of routine maintenance.

Financial Services Compensation Scheme Logo

Private Current Account

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).

Please note, Virtual Medical Care has now replaced Second Medical Opinion- this provides you, your partner or your dependent children with unlimited, around the clock access to a GP via the GP Consultant Service. To contact Virtual Medical Care, please call +44 (0)20 7486 2300 and quote your sort code as your reference/policy number.

If you have any questions regarding this, please contact the following numbers below;

For Emergency Assistance: +44 (0)1273 401090

For general enquiries;
Yorkshire Bank Signature: 0345 602 2369
Yorkshire Bank Private: 0330 123 3129
Yorkshire Bank Retail Policies: 0345 605 0057

Coronavirus Update - Travel Insurance

As of 11 March 2020, the World Health Organisation (WHO) declared coronavirus (COVID-19) a pandemic. As of that date, COVID-19 is considered a foreseen event.

Coronavirus related claims will be considered for any element of travel booked on or before 11 March 2020, provided your Private Current Account was opened on or before this date. Subject to the policy conditions and Foreign, Commonwealth & Development Office (FCDO) guidance.

We’ve upgraded our cover* and will now consider certain coronavirus-related claims for trips booked or accounts opened after 11 March*.

For any trips booked after 11 March 2020:

  • Insured travellers who become ill with coronavirus (COVID-19) during their trip will be covered for emergency medical expenses (subject to policy terms and conditions). This includes cover for the reasonable and necessary additional travel expenses to return to the UK
  • If you have been diagnosed with coronavirus (COVID-19) and need to cancel or cut your trip short, you will be covered, provided you did not know you had the illness or were not in the process of being tested for the illness at the time of booking your trip.
  • Your cancellation claim will not be covered if you’re cancelling because the FCDO is advising against ‘all but essential travel’ to your destination. In this instance you should contact your travel provider – they may be able to change your booking or arrange a refund. If you paid for any part of your trip with your credit or debit card, you could also check with your card provider to see if you’re entitled to a refund.

*This change took effect on 18/11/2020 . You won’t see this change in your policy booklet or terms and conditions – we will be updating our documentation in due course. General Exclusion 2 has been removed and has been added to the exclusions in Section A – Cancelling your trip and Section C – Cutting your trip short.

If you have booked to travel and now need to cancel as a result please speak to your ATOL-protected tour operator, your cruise provider, airline or accommodation provider in the first instance. In many cases, you will be able to re-arrange or get a full refund on your trip.

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.)

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.

Medical Cover Directory – Access to Cover for Medical Conditions

The Money & Pensions Service has introduced a directory of travel insurance firms who can help consumers with existing medical conditions access to travel insurance that covers their conditions. This will help customers better understand how and where to get more affordable insurance if they are travelling with a medical condition(s). For example, this might include how you can get cover for a condition that may be currently excluded on your policy or where you are paying an additional premium to cover your medical condition(s).

If you would like further information, please visit the Money & Pensions Service website at https://traveldirectory.moneyadviceservice.org.uk/en or call 0800 138 7777.

Brexit Update - Travel Insurance

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.

How will Brexit affect your Private Account travel insurance?

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.

Changed your mind?

You can cancel your policy within 30 days of opening your Private Account.

Here to help

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 yorkshirebanktravel@aig.com.

Current Account Tracker

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

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.

Current Account Switch Service

The Current Account Switch Service makes moving your current account to us simple. Find out moreabout our current account switch service.

Calculate the cost of an overdraft

Private savings

It's always good to have some funds tucked away. We offer a range of options that may suit your savings goals. You'll find our wide range of tax efficient savings accounts, plus our Cash ISA Exclusives (open to customers with an eligible current account) on the Virgin Money website. Visit the Virgin Money website.

Private mortgages

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

For more informationon our private mortgages.

Private asset finance

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.

Wealth Referral Advice Service

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.

Access to Foreign Exchange Solutions

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.

Find your nearest Business & Private Banking Centre

Or call 0800 587 5871 available - Mon - Fri (8am - 5pm), Sat (9am - 1pm)

For details of ISAs, investment limits and how they might suit you, contact your relationship manager.

Financial Services Compensation Scheme (FSCS)

Protecting your money

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.

Please see FSCS leaflet download (Opens in a new window) for further information or visit www.fscs.org.uk  

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