Yorkshire Building Society

Yorkshire Building Society is the third largest building society in the UK.  It was formed in 1864. 

The Yorkshire Building Society Group also owns Chelsea Building Society and Norwich and Peterborough Building Society, as well as Accord Mortgages and Egg.

They provide various savings accounts, mortgages, home insurance, life insurance, and funeral plans.

Their headquarters are based in Bradford, UK.


Yorkshire Building Society
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Gold ribbon: first place

Mortgages

Ranked 8th of 23 providers reviewed.

Customer happiness score 56.96%
Customer trust score 56.3%
Complaints performance 80.53%
Transparency rating 67.3%
Fairer Finance score
Reviewed Autumn 2023
65%
Gold ribbon: first place

Savings Accounts

Ranked 6th of 53 providers reviewed.

Customer happiness score 66.87%
Customer trust score 64.12%
Complaints performance 82.51%
Transparency rating 84.07%
Fairer Finance score
Reviewed Autumn 2023
74%

Children's Accounts

Children's Savings Accounts

Yorkshire Building Society

Access Saver Plus Issue 7

Account Type i Easy Access
Interest Rate (AER) i 3.45%
Minimum Opening Balance i £1.00
Maximum Balance i £2,000,000.00
Notice Period i
Fixed Term Length i
Minimum Age to Open Account i 0
Maximum Age i 0
Withdrawal Penalty i
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

Yorkshire Building Society

Fixed Rate Bond until 30 April 2026

Account Type i 2 Year Bond
Interest Rate (AER) i 4%
Minimum Opening Balance i £1,000.00
Maximum Balance i £2,000,000.00
Notice Period i
Fixed Term Length i 2 Year Bond
Minimum Age to Open Account i 0
Maximum Age i 0
Withdrawal Penalty i
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

Yorkshire Building Society

Fixed Rate Bond until 30 April 2029

Account Type i 5 Year Bond
Interest Rate (AER) i 3.5%
Minimum Opening Balance i £1,000.00
Maximum Balance i £2,000,000.00
Notice Period i
Fixed Term Length i 5 Year Bond
Minimum Age to Open Account i 0
Maximum Age i 0
Withdrawal Penalty i
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

Yorkshire Building Society

Rainy Day Account Issue 2

Account Type i Easy Access
Interest Rate (AER) i 5%
Minimum Opening Balance i £1.00
Maximum Balance i £2,000,000.00
Notice Period i
Fixed Term Length i
Minimum Age to Open Account i 0
Maximum Age i 0
Withdrawal Penalty i 2 withdrawal days per year plus closure of account.
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

Yorkshire Building Society

Home Emergency Cover

2 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Primary Heating System i
Cover Type i Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i £0.00
Unoccupied period i Not Mentioned
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i Unlimited

Home insurance (building and contents)

Yorkshire Building Society

You Choose Home Insurance (with optional matching sets cover)

5 stars
Alternative accommodation cover limit for buildings i £50,000.00
Theft from outbuildings i £5,000.00
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i £100.00
Property owner liability i £2,000,000.00
Cancellation fee within 14 days i £0.00
Contents cover limit i £60,000.00
Alternative accommodation cover limit for contents i £20,000.00
Buildings cover limit i £1,000,000.00
Cancellation fee after 14 days i £0.00
Liability to domestic employees i £2,000,000.00
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i Sum insured
Liability as a tenant i Limit shown in your policy schedule
Replace belongings new for old i
Flood excess i £50.00
Escape of water excess (minimum) i £250.00
Money in the home i £1,000.00
Visitor's possessions i £500.00
Office equipment i Sum insured

Yorkshire Building Society

You Choose Home Insurance

4 stars
Alternative accommodation cover limit for buildings i £50,000.00
Theft from outbuildings i £5,000.00
Protection against inflation (Buildings)
Matching sets (contents) i Optional
Contents compulsory excess i £100.00
Property owner liability i £2,000,000.00
Cancellation fee within 14 days i £0.00
Contents cover limit i £60,000.00
Alternative accommodation cover limit for contents i £20,000.00
Buildings cover limit i £1,000,000.00
Cancellation fee after 14 days i £0.00
Liability to domestic employees i £2,000,000.00
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i Sum insured
Liability as a tenant i Limit shown in your policy schedule
Replace belongings new for old i
Flood excess i £50.00
Escape of water excess (minimum) i £250.00
Money in the home i £1,000.00
Visitor's possessions i £500.00
Office equipment i Sum insured

Buildings insurance

Yorkshire Building Society

You Choose Home Insurance (with optional matching sets cover)

5 stars
Escape of water excess for buildings i £250.00
Matching sets (Buildings) i
Frozen pipes i
Underground pipes, cables and tanks i Optional
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £50.00
Unoccupied period i 60 days
Property owner liability i £2,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £0.00

Yorkshire Building Society

You Choose Home Insurance

4 stars
Escape of water excess for buildings i £250.00
Matching sets (Buildings) i Optional
Frozen pipes i
Underground pipes, cables and tanks i Optional
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £50.00
Unoccupied period i 60 days
Property owner liability i £2,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £0.00

Contents insurance

Yorkshire Building Society

You Choose Home Insurance (with optional matching sets cover)

5 stars
Matching sets (contents) i
Theft from outbuildings i £5,000.00
Cover for items away from home i Optional
Property owner liability i £2,000,000.00

Yorkshire Building Society

You Choose Home Insurance

4 stars
Matching sets (contents) i Optional
Theft from outbuildings i £5,000.00
Cover for items away from home i Optional
Property owner liability i £2,000,000.00

Savings Accounts

1 Year Fixed Rate Accounts

Yorkshire Building Society

Fixed Rate eBond until 30 April 2025

Interest Rate (AER) i 4.45%
Minimum Opening Balance i £1,000.00
What happens at maturity? i The provider will contact you before the account matures. The money will be paid into a fixed term account with similar terms, you can withdraw the money from this account penalty free during the first month, after that you will charged a certain number of days interest.
Part of FSCS i
Maximum Balance i £2,000,000.00
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 i

2 Year Fixed Rate Accounts

Yorkshire Building Society

Fixed Rate eBond until 30 April 2026

Interest Rate (AER) i 4%
Minimum Opening Balance i £1,000.00
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 fixed term account with similar terms.
Part of FSCS i
Maximum Balance i £2,000,000.00
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 i

5 Year Fixed Rate Accounts

Yorkshire Building Society

Fixed Rate Bond until 30 April 2029

Interest Rate (AER) i 3.5%
Minimum Opening Balance i £1,000.00
What happens at maturity? i The provider will contact you before the account is close to maturity, seeking your instructions. In the absence of further guidance by the maturity date, the funds will be moved into a linked or nominated account.
Part of FSCS i
Maximum Balance i £2,000,000.00
Minimum Age to Open Account i 0
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 i

Yorkshire Building Society

Fixed Rate eBond until 30 April 2029

Interest Rate (AER) i 3.5%
Minimum Opening Balance i £1,000.00
What happens at maturity? i As the account approaches its maturity date, your provider will contact you to request instructions. If no further guidance is provided by the maturity date, the funds will be reinvested for the same or similar term.
Part of FSCS i
Maximum Balance i £2,000,000.00
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 i

Easy Access Accounts

Yorkshire Building Society

Internet Saver Plus Issue 14

Interest Rate (AER) i 4.8%
Balance Tiers i 4.80% from £1
Minimum Opening Balance i £1.00
Withdrawal Penalty i
Part of FSCS i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i
Maximum Balance i £500,000.00
Minimum Age to Open Account i 16
Penalty free withdrawals? i
Sharia Account i
Additional Information i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Yorkshire Building Society

Online Rainy Day Account Issue 2

Interest Rate (AER) i 5%
Balance Tiers i 5.00% from £1, 3.90% from £10,000
Minimum Opening Balance i £1.00
Withdrawal Penalty i
Part of FSCS i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i
Maximum Balance i £500,000.00
Minimum Age to Open Account i 16
Penalty free withdrawals? i
Sharia Account i
Additional Information i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Yorkshire Building Society

Rainy Day Account Issue 2

Interest Rate (AER) i 5%
Balance Tiers i 5.00% from £1, 3.90% from £10,000
Minimum Opening Balance i £1.00
Withdrawal Penalty i
Part of FSCS i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i
Maximum Balance i £2,000,000.00
Minimum Age to Open Account i 0
Penalty free withdrawals? i
Sharia Account i
Additional Information i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Regular Savers

Yorkshire Building Society

First Home Saver

Interest Rate (AER) i 5%
Maximum Balance i £12,000.00
Withdrawal Penalty i
Minimum Monthly Investment i £0.00
Maximum Monthly Investment i £500.00
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
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 2 Year Bond
Additional Information i
Interest Rate (AER) i 5.25%
Maximum Balance i £3,000.00
Withdrawal Penalty i
Minimum Monthly Investment i £0.00
Maximum Monthly Investment i £250.00
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 0
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 1 Year Bond
Additional Information i

Yorkshire Building Society

First Home eSaver

Interest Rate (AER) i 5%
Maximum Balance i £12,000.00
Withdrawal Penalty i
Minimum Monthly Investment i £0.00
Maximum Monthly Investment i £500.00
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
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 2 Year Bond
Additional Information i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Yorkshire Building Society

Fixed Rate Cash ISA until 31 May 2025

Interest Rate (AER) i 4.65%
Minimum Opening Balance i £100.00
What happens at maturity? i On maturity the balance will be automatically transferred into an Instant Access ISA
Part of FSCS 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
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? i
Can you transfer in funds from a stocks and shares ISA? i

2 Year Fixed Rate ISAs

Yorkshire Building Society

Fixed Rate Cash ISA until 30 April 2026

Interest Rate (AER) i 4%
Minimum Opening Balance i £100.00
What happens at maturity? i On maturity the balance will be automatically transferred into an Instant Access ISA
Part of FSCS 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
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 120 days interest
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Yorkshire Building Society

Fixed Rate Cash e-ISA until 30 April 2026

Interest Rate (AER) i 4%
Minimum Opening Balance i £100.00
What happens at maturity? i On maturity the balance will be automatically transferred into an Instant Access ISA
Part of FSCS 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
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 120 days interest
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

5 Year Fixed Rate ISAs

Yorkshire Building Society

Fixed Rate Cash e-ISA until 30 April 2029

Interest Rate (AER) i 3.5%
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 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 Early access is only allowed upon closure with a 180-day loss of interest.
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Easy Access ISAs

Yorkshire Building Society

Internet Saver ISA Plus Issue 10

Interest Rate (AER) i 3.9%
Minimum Opening Balance i £1.00
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
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Yorkshire Building Society

Access Saver ISA Plus Issue 8

Interest Rate (AER) i 3.45%
Minimum Opening Balance i £1.00
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
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Yorkshire Building Society

Double Access eISA

Interest Rate (AER) i 4.7%
Minimum Opening Balance i £1.00
Part of FSCS i
Withdrawal Penalty i Two withdrawals per year.
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
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Yorkshire Building Society

Double Access ISA

Interest Rate (AER) i 4.55%
Minimum Opening Balance i £1.00
Part of FSCS i
Withdrawal Penalty i Two withdrawals per year.
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
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i