Yorkshire Bank

Yorkshire Bank is owned by CYBG, which also owns the UK's Clydesdale Bank. CYBG floated on the London Stock Exchange in February 2016.

CYBG was formed in 2016 by National Australia Bank who had acquired Clydesdale Bank in 1987 and Yorkshire Bank in 1995. In our Customer Experience ratings we use Clydesdale's complaints score for Yorkshire Bank as it handles Yorkshire's complaints.

Yorkshire Bank offers a range of banking products including current accounts, savings, personal loans, mortgages and credit cards. It also offers car, home, travel and life insurance.

Yorkshire Bank
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Bank accounts

Ranked 25th of 30 providers reviewed.

Customer happiness 59%
Customer trust 54%
Complaints performance 76%
Transparency rating 25%
Fairer Finance score
Reviewed Spring 2019
53%
Gold ribbon: first place

Credit cards

Ranked 12th of 34 providers reviewed.

Customer happiness 60%
Customer trust 53%
Complaints performance 76%
Transparency rating 47%
Fairer Finance score
Reviewed Spring 2019
59%

Mortgages

Ranked 19th of 23 providers reviewed.

Customer happiness 50%
Customer trust 30%
Complaints performance 76%
Transparency rating 44%
Fairer Finance score
Reviewed Spring 2019
50%

Personal loans

Ranked 16th of 24 providers reviewed.

Customer happiness 60%
Customer trust 45%
Complaints performance 76%
Transparency rating 41%
Fairer Finance score
Reviewed Spring 2019
56%

Savings accounts

Ranked 29th of 42 providers reviewed.

Customer happiness 47%
Customer trust 48%
Complaints performance 76%
Transparency rating 55%
Fairer Finance score
Reviewed Spring 2019
56%

Travel insurance

Ranked 42nd of 59 providers reviewed.

Customer happiness 44%
Customer trust 35%
Complaints performance 72%
Transparency rating 45%
Fairer Finance score
Reviewed Spring 2019
49%

Credit cards

0% balance transfers

Yorkshire 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

Yorkshire 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

Yorkshire Bank

Gold Credit Card

2 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

Yorkshire 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 2.08%

Money transfers

Yorkshire Bank

Gold Credit Card

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 18.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 2.08%

Home insurance

Yorkshire Bank

Premier Home Insurance (By Hiscox)

4 stars
Escape of water excess i £150
Matching sets i
Theft from outbuildings i £10,000
24hr helpline i
Alternative accommodation i £150,000
Cover for keys/locks if lost i Sum insured
Money in the home i £2,500
New for old i

Yorkshire 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

Yorkshire Bank

Premier Home Insurance (By Hiscox)

4 stars
Trace & access i £10,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Compulsory excess i £150
Escape of water excess i £150
Alternative accommodation cover limit i £150,000
Cover for keys/locks if stolen i Sum insured
Property owner liability i Unlimited
24hr helpline i

Yorkshire 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

Yorkshire Bank

Premier Home Insurance (By Hiscox)

4 stars
Theft from outbuildings i £10,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i Sum insured
New for old i
Alternative accomodation i Reasonable costs
Money in the home i £2,500
Cover for keys/locks if stolen i Sum insured
24hr helpline i

Yorkshire 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

Yorkshire 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

Yorkshire 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

Yorkshire 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