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A current account and instant savings account that work beautifully together within one super-smart app.

Powered by Clydesdale Bank & Yorkshire Bank

B is available for anyone from the age of 16. If you want to apply online, you’ll need to be at least 18. A compatible smartphone or tablet is required to access all of B’s features. T&Cs apply. Subject to status and eligibility.

It’s the future of banking but you can call it B

B is a current account, instant savings account and app that could change how you think about and manage your money. The B app can make managing everyday money simple, rewarding and has been built entirely around you.

B gives you the tools to manage your current and future money with us. The app learns as you use the B Accounts. It looks ahead to warn you and helps you avoid any surprises. It helps you save for anything you want and constantly supports you with interesting facts about your spending to help you understand your habits better. It’s super-easy and supersmart.

There’s no monthly fee for B.

Meet B

Grid of B images

Summary box

Account name B Instant Savings
What is the interest rate?
Balance Gross Rate (%) AER (%)
On all credit balances 0.50 0.50

Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter.

Can Yorkshire Bank change the interest rate? Yes, if we decrease your rate we will provide at least 2 months’ notice as described in Section 9 of the Terms and Conditions. We may increase your rate without giving you notice.
What would the estimated balance be after 12 months based on a £1,000 deposit?
Initial deposit at account opening Balance after 12 months
£1,000 £1,005.00

This is only an example and does not take into account your individual circumstances.

The examples assume that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to the interest rate.
How do I open and manage my account?

You may only open a B Instant Savings Account if you have a B Current Account with us in the same name(s). The B Instant Savings Account will remain open, provided the B Current Account is maintained as described in the Terms and Conditions.

The account can be opened in branch or online, www.youandb.co.uk, or call us on 0800 121 7365.

There are no minimum or maximum balance restrictions or need to pay in on a regular basis.

B is available for anyone from the age of 16. If you want to apply online, you’ll need to be at least 18. Subject to status.

Can I withdraw money? You may only withdraw funds by transfer to your B current account or any other account that we allow you to make a transfer into using internet/telephone banking/Bapp/Mobile Banking Service or in branch.
Additional Information

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Your money, all in one place

B comes with a current account and instant savings account that work together within one super-smart app. So, whether you're using your mobile or tablet you can pay, spend and save wherever you are, whenever you like.

  • Your current account and instant savings account together in one place
  • On your B Instant Savings account you can look forward to 0.50% AER, (0.50% gross p.a. variable) paid quarterly on all credit balances.
  • B Current even adds to any money you have coming in with a 0.25% AER (0.25% gross p.a variable) on credit balances up to £2,000. Credit interest is worked out daily on the cleared credit balance and credited to accounts on the last working day of each month.
  • Transfer money between your accounts and into your savings with just a few simple taps
  • Keep track of all your payments and spending over time – B brings all the important stuff into one place
  • The Current Account Switch Guarantee makes it easy to fully switch your current account over when you apply
  • Your eligible deposits with Clydesdale Bank PLC are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)
  • You’ll have a grace period of 2 working days per calendar month if you do go overdrawn
  • View your monthly statements for the last six months within the app
B tablet

Designed to make everything easier

B has been designed with the user at its heart to help make looking after your money effortless and intuitive. The app is full of simple to use tools to help you take control of your money, so you always know exactly what's what. To use the B app, you'll need a compatible tablet or smartphone to access all the super features.

Meet B

Please note, the AER (Annual Equivalent Rate) is the equivalent rate if the interest was paid and compounded once a year. Gross rate interest is the interest payable without taking account of any tax payable. Credit interest is calculated daily on the cleared credit balance in your account. We no longer deduct tax from the interest earned on your savings, following the introduction of a Personal Savings Allowance. If you earn interest over your Personal Savings Allowance you will be required to pay any tax due yourself directly to HM Revenue and Customs. If you would like to read more about your Personal Savings Allowance, please visit the Governments website.


Current Account switch guarantee

Switch to B Current in only 7 working days

With the Current Account Switch Service we’ll do everything for you

Find out more about switching to B

Protecting your money

Please see FSCS leaflet download for futher information or visit www.fscs.org.uk


Find a branch

Find your nearest Yorkshire Bank branch, Business and Private Banking centre or ATM

Branch locator

Talk to the team at B

Need some help?

Call the team at B, 24 hours a day, 7 days a week on: 0800 121 7365

To apply for a B account

Call us free on: 0800 678 3654. Or if you're abroad: +44 141 221 7300
Monday to Friday 8am - 8pm, Saturday 9am - 5pm, Sunday 10am - 5pm.