Clydesdale Bank

Better known as a provider of banking products, Clydesdale Bank also offers a number of insurance products.

Clydesdale Bank is part of CYBG, which also owns Yorkshire Bank. It was floated on the London Stock Exchange in 2016.

It offers a range of insurance products, from car to life, and its policies are underwritten by Royal Sun & Alliance.

Clydesdale Bank
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Bank accounts

Ranked 28th of 30 providers reviewed.

Customer happiness 52%
Customer trust 51%
Complaints performance 76%
Transparency rating 25%
Fairer Finance score
Reviewed Spring 2019
51%

Credit cards

Ranked 14th of 34 providers reviewed.

Customer happiness 55%
Customer trust 46%
Complaints performance 76%
Transparency rating 47%
Fairer Finance score
Reviewed Spring 2019
56%

Mortgages

Ranked 16th of 23 providers reviewed.

Customer happiness 52%
Customer trust 37%
Complaints performance 76%
Transparency rating 44%
Fairer Finance score
Reviewed Spring 2019
52%

Personal loans

Ranked 13th of 24 providers reviewed.

Customer happiness 60%
Customer trust 55%
Complaints performance 76%
Transparency rating 41%
Fairer Finance score
Reviewed Spring 2019
58%

Savings accounts

Ranked 17th of 42 providers reviewed.

Customer happiness 54%
Customer trust 55%
Complaints performance 76%
Transparency rating 55%
Fairer Finance score
Reviewed Spring 2019
60%

Bank accounts

Basic bank accounts

Foreign use bank accounts

Clydesdale Bank

Readycash Current Account

2 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Clydesdale Bank

Signature Current Account

2 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Overdrafts

Packaged bank accounts

Credit cards

0% balance transfers

Clydesdale Bank

Gold Credit Card

3 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 12 months
Representative APR i 18.90%
Risk based? i
Representative balance transfer rate i 0.95%

0% purchases

Clydesdale Bank

Gold Credit Card

5 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 26 months
Representative APR i 18.90%
Risk based? i
Representative purchase rate i 1.45%
Number of days before interest is charged on purchases i 59 days

Foreign use credit cards

Clydesdale Bank

Gold Credit Card

3 stars
Representative APR i 18.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.45%

Low rate

Clydesdale Bank

Gold Credit Card

4 stars
Representative APR i 18.90%
Representative cash transaction rate i 2.08%
Representative purchase rate i 1.45%
Risk based? i
Representative balance transfer rate i 0.95%
Representative money transfer rate i

Home insurance

Clydesdale Bank

Home Insurance

2 stars
Escape of water excess i £50
Matching sets i
Theft from outbuildings i £2,000
24hr helpline i
Alternative accommodation i £40,000
Cover for keys/locks if lost i £750
Money in the home i £0
New for old i

Buildings insurance

Clydesdale Bank

Home Insurance

3 stars
Trace & access i £0
Matching sets i
Cover for keys/locks if lost i £750
Compulsory excess i £50
Escape of water excess i £50
Alternative accommodation cover limit i £40,000
Cover for keys/locks if stolen i £750
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

Clydesdale Bank

Home Insurance

2 stars
Theft from outbuildings i £2,000
Matching sets i
Cover for keys/locks if lost i £750
Cycles included whilst in the home i £0
New for old i
Alternative accomodation i £10,000
Money in the home i £0
Cover for keys/locks if stolen i £750
24hr helpline i

Travel insurance

Annual multi-trip insurance

Clydesdale Bank

Travel Insurance

4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £200
Combined passport & travel i £200
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Single trip insurance

Clydesdale Bank

Travel Insurance

4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £1,000
Abandoning your trip i £5,000
Lost or stolen cash i £200
Combined passport & travel i £200

Winter sports add-on

Clydesdale Bank

Travel Insurance

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £50
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £250
Piste closure i £300
Unused ski pass due to illness or injury i £500