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 5th of 23 providers reviewed.

Customer happiness 64.49%
Customer trust 64.01%
Complaints performance 84.97%
Transparency rating 63.81%
Fairer Finance score
Reviewed Autumn 2022
69%
Gold ribbon: first place

Savings Accounts

Ranked 10th of 50 providers reviewed.

Customer happiness 60.3%
Customer trust 60.56%
Complaints performance 83.61%
Transparency rating 77.67%
Fairer Finance score
Reviewed Autumn 2022
71%

Home Emergency Cover

Yorkshire Building Society

Home Emergency Cover

4 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home insurance policy
Cover Type i Add-On
Home Emergency Cover limit i Shown In policy Schedue
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i 15 years
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i 15 years
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i RSA
Maximum Excess i £0.00
Alternative Accommodation Cover i £500.00
24/7 Claims Helpline i
Unoccupied period i Not Specified

Home insurance (building and contents)

Yorkshire Building Society

You Choose Home Insurance

5 stars
Alternative accommodation cover limit for buildings i £50,000.00
Matching sets (contents) i Optional
Theft from outbuildings cover limit i £5,000.00
Escape of water excess i £250.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £20,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i Sum Insured
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £1,000.00
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i Optional
Escape of water (plus compulsory excess) i £250.00
Compulsory excess (contents) i £100.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i Limit Shown in your policy schedule
Liability to domestic employees i £2,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit i £1,000,000.00
Contents cover limit i £60,000.00
Underwriter RSA
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £5,000.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents Sum insured
Visitor's possessions £500.00
Out in open cover Optional (Garden Contents)
Frozen Food Cover Sum insured
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i £250.00
Credit cards i £0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment Sum Insured
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics Optional
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional
Special events (weddings and civil ceremonies) - limit Limit Shown in your policy schedule
Special events (weddings and civil ceremonies) - days 60 days
Special events (births) - limit Limit Shown in your policy schedule
Special events (births) - days 60 days
Special events (anniversaries and birthdays) - limit Limit Shown in your policy schedule
Special events (anniversaries and birthdays) - days 60 days
Special events (religious events) - limit Limit Shown in your policy schedule
Special events (religious events) - days 60 days
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Buildings insurance

Yorkshire Building Society

You Choose Home Insurance

5 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i Sum Insured
Matching sets (Buildings) i Optional
Alternative accommodation cover limit for buildings i £50,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of water (plus compulsory excess) i £250.00
Buildings compulsory excess i £50.00
Escape of water excess i £250.00
Flood excess i £50.00
Unoccupied period i 60
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £2,000,000.00

Contents insurance

Yorkshire Building Society

You Choose Home Insurance

5 stars
Matching sets (contents) i Optional
Cover for keys if lost or stolen (contents) i Sum Insured
Theft from outbuildings cover limit i £5,000.00
Credit cards i £0.00
Amendment fee i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Contents cover limit i £60,000.00
Music, film, or electronic downloads i
Documents i Sum insured
Frozen Food Cover i Sum insured
Business equipment i Sum Insured
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit 0
Visitor's possessions i £500.00
Temporary freezer storage
Money in the home i £1,000.00
Theft from bogus officials
Garden plants
Garden protection 5,000.00
Out in open cover Optional (Garden Contents)
Alternative accommodation cover limit for contents i £20,000.00
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £100.00
Liability to domestic employees i £2,000,000.00
Liability as a tenant i Limit Shown in your policy schedule
Property owner liability i £2,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline
Jury service
24hr helpline i
Protection against inflation i
Underwriter RSA
Unoccupied period i 60
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: Limit Shown in your policy schedule /Days limit: 60
Births - limit/days Cover Limit: Limit Shown in your policy schedule /Days limit: 60
Anniversaries - Limits/days Cover Limit: Limit Shown in your policy schedule /Days limit: 60
Religious events -Limits/days Cover Limit: Limit Shown in your policy schedule /Days limit: 60
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional

Savings Accounts

1 Year Fixed Rate Accounts

Yorkshire Building Society

Fixed Rate eBond until 30 April 2024

Interest Rate (AER) i 3.8%
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 (days) i

Yorkshire Building Society

Fixed Rate Bond until 30 April 2024

Interest Rate (AER) i 3.8%
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 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 (days) i

2 Year Fixed Rate Accounts

Yorkshire Building Society

Fixed Rate Bond until 30 April 2025

Interest Rate (AER) i 3.95%
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 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 (days) i

Yorkshire Building Society

Fixed Rate eBond until 30 April 2025

Interest Rate (AER) i 3.95%
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 (days) i

3 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 Your 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 £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 (days) i

Yorkshire Building Society

Fixed Rate Bond until 30 April 2026

Interest Rate (AER) i 4%
Minimum Opening Balance i £1,000.00
What happens at maturity? i Your 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 £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 (days) i

Easy Access Accounts

Yorkshire Building Society

Internet Saver Plus Issue 13

Interest Rate (AER) i 2.85%
Maximum Balance i £500,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £1.00
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
Penalty free withdrawals? i

Yorkshire Building Society

Online Rainy Day Account Issue 2

Interest Rate (AER) i 2.85%
Maximum Balance i £500,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £1.00
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
Penalty free withdrawals? i

Yorkshire Building Society

Rainy Day Account Issue 2

Interest Rate (AER) i 3.35%
Maximum Balance i £2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £1.00
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
Penalty free withdrawals? i

Yorkshire Building Society

Access Saver Plus Issue 7

Interest Rate (AER) i 2.55%
Maximum Balance i £2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £1.00
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
Penalty free withdrawals? i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Yorkshire Building Society

Fixed Rate Cash e-ISA until 30 April 2024

Interest Rate (AER) i 3.8%
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 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?

Yorkshire Building Society

Fixed Rate Cash ISA until 30 April 2024

Interest Rate (AER) i 3.8%
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 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

Yorkshire Building Society

Fixed Rate Cash e-ISA until 30 April 2025

Interest Rate (AER) i 3.95%
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 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 120 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Yorkshire Building Society

Fixed Rate Cash ISA until 30 April 2025

Interest Rate (AER) i 3.95%
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 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 120 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

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 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
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
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

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 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
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
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

Yorkshire Building Society

Limited Access ISA

Interest Rate (AER) i 3.1%
Part of FSCS i
Withdrawal Penalty i 1 withdrawal day per year.
Minimum Opening Balance i £1.00
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
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Yorkshire Building Society

Internet Saver ISA Plus Issue 10

Interest Rate (AER) i 2.75%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £1.00
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
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Yorkshire Building Society

Access Saver ISA Plus Issue 8

Interest Rate (AER) i 2.55%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £1.00
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
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Yorkshire Building Society

Limited Access e-ISA

Interest Rate (AER) i 3.1%
Part of FSCS i
Withdrawal Penalty i 1 withdrawal day per year.
Minimum Opening Balance i £1.00
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
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?