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Current Account


from us to you

Fully switch your current account to us, maintain at least two active direct debits and pay in £1000 per month. Terms, conditions and exclusions apply.

Find out more

Current Account Control

Help limit your charges

Each time you use your account when there's not enough money in it to cover the transaction or you go over your overdraft limit (should you have one), you'll be charged a fee. These are known as unplanned borrowing fees but you could limit them with our Current Account Control. Along with the benefits of a regular current account, for £7.50 per month, the account aims to stop payments^ that would otherwise result in you paying unplanned borrowing fees. This account is subject to status and applicants must be 18 years or over.

FSCS Current Account switch guarantee
What you'll get

Up to £350 cash withdrawal a day

365 days of the year at any Yorkshire Bank ATM or ATM in the UK or abroad (Subject to available funds. Additional charges may apply when using your card abroad.)

Debit Card

Lets you pay for goods and services in person, by phone, online and abroad (subject to available funds).

Find out more about using your card abroad

(Additional charges may apply when using your card abroad.)


24 hour access*

Via telephone banking, mobile and internet banking.

*These services may be temporarily unavailable due to routine maintenance. Calls may be recorded or monitored for your security.


Planned overdrafts available subject to status. Fees and charges apply and can be found here.

^ Exceptions

There are still times when a payment can go through, even if there are not sufficient funds in the account. You'll not have to pay unplanned borrowing fees or charged debit interest on any unplanned borrowing. This could happen when:

  • Your account doesn't have enough funds (or you have exceeded your agreed overdraft limit should you have one), to cover the £7.50 monthly fee or any interest charges
  • A retailer doesn't check if you have available funds in your account when you pay by debit card - this usually happens with smaller transactions
  • You spend money overseas and the exchange rate fluctuates between the date of the transaction and the date it's charged to your account
  • We have to take the money from your account when a cheque you paid in is returned unpaid
  • A transaction is passed to us from a retailer outside of our normal timescales for processing transactions
  • You have agreed that a retailer may charge a higher amount than originally authorised or substitute different goods after your card purchase was authorised (for example where substitute goods may have a higher price or in the case of transactions for hotels or car hire services).
Important information

You should make sure you always have enough available funds to cover payments such as standing orders or Direct Debits. These may not be paid if paying them would take your account into unplanned borrowing. This may include important payments, such as insurance or your mortgage, and you may incur charges from the providers of these products.

You can check your account by mobile and telephone banking, online or at a cash machine, and you should do this regularly. You may want to look at altering the dates of your standing orders and Direct Debits, to ensure there's money in your account to pay them. Your local branch can help you set up the right payment options.

If you're switching from an existing Yorkshire Bank account to Current Account Control or are moving your account to us from another bank, please make sure that you have sufficient funds to cover any payments made before the account switch, that are charged to your account afterwards.

You can cancel your agreement with us within 14 days of opening your account by contacting us in branch, by phone or in writing. Please check terms and conditions for more information. Your eligible deposits with Clydesdale Bank PLC are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Please refer to FSCS information.


Apply by phone

Call us free on:

0800 678 3380

  • We're here
  • Mon-Fri 8am - 8pm
  • Sat 9am - 5pm
  • Sun 10am - 4pm

Request a phone appointment

Apply in branch

Visit us in branch and one of our advisors will guide you through the application process.

Request a branch appointment

Branch Locator

Current Account switch guarantee
Switch Guarantee

Find out how straightforward it is to switch your current account to us from another bank.

Find out more about switching

Compare accounts

We offer a range of current accounts with many different benefits and we've summarised these to help you see which account would suit your circumstances.

Compare all accounts

Branch locator

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

Branch locator

Prefer to talk to us?

Call us to speak to an advisor or apply for a current account by phone

0800 678 3380

  • We're here
  • Mon-Fri 8am - 8pm
  • Sat 9am - 5pm
  • Sun 10am - 4pm