Leeds Building Society

Leeds Building Society was founded in the late 19th century, and is now the UK's fifth largest building society.

As a building society, it's owned by its members. This means it doesn't answer to shareholders, so can focus on providing its members with great service instead.

Leeds Building Society offers savings accounts and mortgages, but no current account. They also provide home insurance underwritten by Aviva and life cover provided by Legal & General.

Leeds Building Society
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Mortgages

Ranked 14th of 23 providers reviewed.

Customer happiness 58.56%
Customer trust 47.79%
Complaints performance 83.16%
Transparency rating 59.41%
Fairer Finance score
Reviewed Spring 2023
62%
Gold ribbon: first place

Savings Accounts

Ranked 8th of 53 providers reviewed.

Customer happiness 64.25%
Customer trust 61.09%
Complaints performance 82.91%
Transparency rating 81.35%
Fairer Finance score
Reviewed Spring 2023
72%

Children's Accounts

Children's Savings Accounts

Account Type i Easy Access
Interest Rate (AER) i 4.25%
Minimum Opening Balance i £10.00
Maximum Balance i £1,000,000.00
Notice Period i
Fixed Term Length i
Minimum Age to Open Account i 12
Maximum Age i 17
Withdrawal Penalty i 1 w/dl per week between £10 and £250, signed for by a/c holder. W/dls over £250 and extra w/dls in week signed by both a/c holder and authorised signatory.
Part of FSCS i
Sharia Account i
Additional Opening Criteria i
Additional Information i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Leeds Building Society

Ronnie the Rhino Youngsaver

Account Type i Easy Access
Interest Rate (AER) i 4.25%
Minimum Opening Balance i £10.00
Maximum Balance i £1,000,000.00
Notice Period i
Fixed Term Length i
Minimum Age to Open Account i 0
Maximum Age i 17
Withdrawal Penalty i For individuals aged 0 to 11, there are no restrictions on the number of withdrawals. However, each withdrawal must be signed for by an authorized signatory. One withdrawal per week is allowed for individuals aged 12 to 17, ranging from £10 to £250. The account holder must sign for these withdrawals. Withdrawals exceeding £250 or additional withdrawals within the same week require signatures from both the account holder and an authorized signatory.
Part of FSCS i
Sharia Account i
Additional Opening Criteria i
Additional Information i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Home emergency cover

Leeds Building Society

Home Emergency Cover

4 stars
Home Security Cover i
Home Emergency Cover limit i £1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £250.00
Unoccupied period i 60
Claims limit i Unlimited

Home insurance (building and contents)

Leeds Building Society

Extra Home Insurance

4 stars
Alternative accommodation cover limit for buildings i £80,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £100.00
Alternative accommodation cover limit for contents i 20% of the sum insured
Keys/locks if lost or stolen (Buildings) i Sum insured
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Escape of water excess (Minimum) i £100.00
Contents compulsory excess i £100.00
Additional flood excess i £0.00
Liability as a tenant i £8,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit (Maximum) i Unlimited
Contents cover limit (Maximum) i £60,000.00
Cancellation fee after 14 days i £10.00
Cancellation fee before 14 days £0.00
Visitor's possessions £1,000.00
Office equipment £5,000.00

Leeds Building Society

Standard Home Insurance (with matching sets selected)

4 stars
Alternative accommodation cover limit for buildings i £80,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £100.00
Alternative accommodation cover limit for contents i 20% of the sum insured
Keys/locks if lost or stolen (Buildings) i Sum insured
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Escape of water excess (Minimum) i £100.00
Contents compulsory excess i £100.00
Additional flood excess i £0.00
Liability as a tenant i £8,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit (Maximum) i Unlimited
Contents cover limit (Maximum) i £60,000.00
Cancellation fee after 14 days i £10.00
Cancellation fee before 14 days £0.00
Visitor's possessions £1,000.00
Office equipment £5,000.00

Leeds Building Society

Basic Home Insurance (With matching sets selected)

3 stars
Alternative accommodation cover limit for buildings i £80,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £200.00
Alternative accommodation cover limit for contents i 20% of the sum insured
Keys/locks if lost or stolen (Buildings) i Sum insured
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Escape of water excess (Minimum) i £200.00
Contents compulsory excess i £200.00
Additional flood excess i £0.00
Liability as a tenant i £8,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit (Maximum) i Unlimited
Contents cover limit (Maximum) i £60,000.00
Cancellation fee after 14 days i £10.00
Cancellation fee before 14 days £0.00
Visitor's possessions £1,000.00
Office equipment £5,000.00

Leeds Building Society

Basic Home Insurance

2 stars
Alternative accommodation cover limit for buildings i £80,000.00
Matching sets (contents) i Optional
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £200.00
Alternative accommodation cover limit for contents i 20% of the sum insured
Keys/locks if lost or stolen (Buildings) i Sum insured
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Escape of water excess (Minimum) i £200.00
Contents compulsory excess i £200.00
Additional flood excess i £0.00
Liability as a tenant i £8,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit (Maximum) i Unlimited
Contents cover limit (Maximum) i £60,000.00
Cancellation fee after 14 days i £10.00
Cancellation fee before 14 days £0.00
Visitor's possessions £1,000.00
Office equipment £5,000.00

Leeds Building Society

Standard Home Insurance

2 stars
Alternative accommodation cover limit for buildings i £80,000.00
Matching sets (contents) i Optional
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £100.00
Alternative accommodation cover limit for contents i 20% of the sum insured
Keys/locks if lost or stolen (Buildings) i Sum insured
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Escape of water excess (Minimum) i £100.00
Contents compulsory excess i £100.00
Additional flood excess i £0.00
Liability as a tenant i £8,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit (Maximum) i Unlimited
Contents cover limit (Maximum) i £60,000.00
Cancellation fee after 14 days i £10.00
Cancellation fee before 14 days £0.00
Visitor's possessions £1,000.00
Office equipment £5,000.00

Buildings insurance

Leeds Building Society

Standard Home Insurance

4 stars
Matching sets (Buildings) i Optional
Escape of water (plus compulsory excess) i £100.00
Buildings compulsory excess i £100.00
Escape of water excess i £100.00
Unoccupied period i 30
24hr helpline i
Cancellation fee after 14 days i £10.00
Amendment fee (telephone) i £0.00
Property owner liability i £2,000,000.00

Leeds Building Society

Extra Home Insurance

4 stars
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £100.00
Buildings compulsory excess i £100.00
Escape of water excess i £100.00
Unoccupied period i 30
24hr helpline i
Cancellation fee after 14 days i £10.00
Amendment fee (telephone) i £0.00
Property owner liability i £2,000,000.00

Leeds Building Society

Basic Home Insurance

3 stars
Matching sets (Buildings) i Optional
Escape of water (plus compulsory excess) i £200.00
Buildings compulsory excess i £200.00
Escape of water excess i £200.00
Unoccupied period i 30
24hr helpline i
Cancellation fee after 14 days i £10.00
Amendment fee (telephone) i £0.00
Property owner liability i £2,000,000.00

Contents insurance

Leeds Building Society

Basic Home Insurance

4 stars
Matching sets (contents) i Sum Insured
Theft from outbuildings cover limit i £2,500.00
Windspeed (mph) i Not Defined
Property owner liability i £2,000,000.00

Leeds Building Society

Extra Home Insurance

4 stars
Matching sets (contents) i
Theft from outbuildings cover limit i £2,500.00
Windspeed (mph) i Not Defined
Property owner liability i £2,000,000.00

Leeds Building Society

Standard Home Insurance

3 stars
Matching sets (contents) i Sum Insured
Theft from outbuildings cover limit i £2,500.00
Windspeed (mph) i Not Defined
Property owner liability i £2,000,000.00

Savings Accounts

1 Year Fixed Rate Accounts

Leeds Building Society

1 Year Fixed Rate Monthly Income Bond (Issue 4)

Interest Rate (AER) i 5.5%
Minimum Opening Balance i £100.00
What happens at maturity? i Your provider will contact you before when the account is approaching maturity date requesting instruction. If they receive no further instructions by the maturity date they will move the funds into a variable account.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Leeds Building Society

1 Year Fixed Rate Bond (Issue 555)

Interest Rate (AER) i 5.5%
Minimum Opening Balance i £100.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

2 Year Fixed Rate Accounts

Leeds Building Society

2 Year Fixed Rate Monthly Income Bond (Issue 3)

Interest Rate (AER) i 5.5%
Minimum Opening Balance i £100.00
What happens at maturity? i Your provider will contact you before when the account is approaching maturity date requesting instruction. If they receive no further instructions by the maturity date they will move the funds into a variable account.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Leeds Building Society

2 Year Fixed Rate Bond (Issue 556)

Interest Rate (AER) i 5.5%
Minimum Opening Balance i £100.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a fixed term account with similar terms.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

3 Year Fixed Rate Accounts

Leeds Building Society

3 Year Fixed Rate Monthly Income Bond (Issue 3)

Interest Rate (AER) i 5.3%
Minimum Opening Balance i £100.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be paid into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Leeds Building Society

3 Year Fixed Rate Bond (Issue 557)

Interest Rate (AER) i 5.3%
Minimum Opening Balance i £100.00
What happens at maturity? i The provider will contact you to request if you would like the funds to be transferred to another fixed term account or an easy access account.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Easy Access Accounts

Leeds Building Society

Limited Issue Online Access Account (Issue 50)

Interest Rate (AER) i 5.1%
Minimum Opening Balance i £1,000.00
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Additional Information i Account will mature on 02/06/24 into an instant access maturity account.

Leeds Building Society

Five Access Saver

Interest Rate (AER) i 4.15%
Minimum Opening Balance i £5,000.00
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i 5 penalty free withdrawals per year, any further withdrawals will incur 30 day loss of interest.
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Additional Information i

Leeds Building Society

Access Saver

Interest Rate (AER) i 2.45%
Minimum Opening Balance i £1.00
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Additional Information i
Interest Rate (AER) i 2.45%
Minimum Opening Balance i £100.00
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Additional Information i

Regular Savers

Leeds Building Society

Home Deposit Saver

Interest Rate (AER) i 5.15%
Maximum Balance i £30,000.00
Withdrawal Penalty i
Minimum Monthly Investment i £0.00
Maximum Monthly Investment i £500.00
Minimum Opening Balance i £100.00
Minimum Age to Open Account i 18
Sharia Account i
Part of FSCS i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Notice Period i
Fixed Term Length i
Additional Information i

Leeds Building Society

Regular Saver (Issue 44)

Interest Rate (AER) i 5.25%
Maximum Balance i £6,000.00
Withdrawal Penalty i 1 withdrawal may be made per annum with no penalty, any further penalties will cost a 30 day loss in interest.
Minimum Monthly Investment i £0.00
Maximum Monthly Investment i £250.00
Minimum Opening Balance i £100.00
Minimum Age to Open Account i 18
Sharia Account i
Part of FSCS i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Notice Period i
Fixed Term Length i 01.09.25
Additional Information i Matures on 30.4.25 into an instant access maturity account.

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Leeds Building Society

1 Year Fixed Rate Cash ISA (Issue 191)

Interest Rate (AER) i 5.5%
Minimum Opening Balance i £100.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 60 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

2 Year Fixed Rate ISAs

Leeds Building Society

2 Year Fixed Rate Cash ISA (Issue 185)

Interest Rate (AER) i 5.5%
Minimum Opening Balance i £100.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 150 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

3 Year Fixed Rate ISAs

Leeds Building Society

3 Year Fixed Rate Cash ISA (Issue 145)

Interest Rate (AER) i 5.3%
Minimum Opening Balance i £100.00
What happens at maturity? i When the account matures the funds will automatically be transferred into an instant access Cash ISA maturity account, unless you provide alternative instructions.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Withdrawals will be charged at 240 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

Leeds Building Society

Limited Issue Online Access ISA (Issue 65)

Interest Rate (AER) i 4.8%
Minimum Opening Balance i £1,000.00
Part of FSCS i
Withdrawal Penalty i Withdrawals can be made via nominated account
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?
Interest Rate (AER) i 2.45%
Minimum Opening Balance i £1.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?
Interest Rate (AER) i 2.45%
Minimum Opening Balance i £1.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Leeds Building Society

Six Access ISA

Interest Rate (AER) i 4.1%
Minimum Opening Balance i £5,000.00
Part of FSCS i
Withdrawal Penalty i 6 penalty free withdrawals per year, further withdrawals cost 30 days interest
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?