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Current Account Direct

An interest paying current account

Current Account Direct gives you control of your finances, 24/7*. You can manage your money and carry out common transactions without having to visit a branch. You can still use our call centre or a Yorkshire Bank branch for services that aren't available online or over the phone – such as paying in cash and cheques. Applicants must be 18 years or over. You must register for automated telephone and/or internet banking services to operate your account. Check our self service matrix for details. Subject to status and eligibility. Minimum monthly deposit required.

What you get

No monthly account fee. Other fees and charges may apply.

Interest

2% AER** (1.98% gross p.a. variable) on your credit balances up to £3000

No interest (0% AER) on balances over £3000.

A minimum monthly credit of £1000 (excluding internal transfers) is required. If you do not meet these conditions, we will change your account to Current Account Plus. You can have a maximum of two Current Account Direct accounts, of which only one may be a sole account.

Offer may be withdrawn at any time.

**AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Gross rate interest is the interest payable without taking account of any tax payable. From 6th April 2016 we will 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 Government website www.gov.uk.

Overdraft

Rate of 9.9% EAR (subject to status. Applicable fees and charges for planned and unplanned borrowing can be found here.

We can provide a written quotation for an overdraft on request.

Representative Example

Rate of interest - 9.48% per annum (variable)
Total amount of credit - £1200
EAR - 9.90% variable

Amount of credit available subject to status.

Offer may be withdrawn at any time. The rate of interest shown is an Effective Annual Rate (EAR) which takes account of the rate of interest charged, the frequency it is levied to the account and the compounding interest.

Debit Card

Withdraw cash and make purchases at home and abroad

For more information on using your card abroad.

(Subject to available funds. Additional fees and charges may apply when using your card abroad.)

Internet, telephone and mobile banking*

Make payments, transfers, or simply view your balance while you're out and about.

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.

* 24 hour telephone banking and internet banking may be temporarily unavailable during periods of routine maintenance. For your security, calls may be monitored or recorded.

Apply by phone or in branch

Online applications are available to new, sole applicants who do not need an overdraft. All other applicants can apply by phone or in branch.

Are you a new or existing customer?

Are you opening an account in your name or a joint application?

Do you need to apply for an overdraft?

Overdrafts cannot currently be arranged online but you still have the option to apply for one after your account is opened. All overdraft agreements are subject to status

Apply online

  • Our application takes just 10-15 minutes
  • Get an instant decision* if successful
  • Register for internet and telephone banking
  • Option to switch your existing account to us
  • You must be 18 or over to apply online
  • If you’re not eligible for this account, we’ll let you know at the end of the application and offer you our Readycash basic bank account, instead (if appropriate).

* We aim to give online decisions for applications submitted between 8am to 10pm, Monday - Saturday and 8am to 9pm on Sundays. If we are unable to provide an instant decision or your application is submitted outside these times, we will aim to inform you within one working day.

You will need this to apply:

  • Your address details for the past 3 years
  • Your current employer’s details (if applicable)
  • Income details - your Gross Annual and Net Monthly salaries
  • Details of your expenditure – e.g. Mortgage/Rent, loan payments
  • Your current bank details (if you are planning to Switch)

Start again

Call us free on:

0800 678 1230

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

Request a phone appointment

Visit your local branch:

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

Request a branch appointment

Branch Locator

Start again


Already started an application?

Log in to retrieve your online current account application

If you completed the username and password section of your application, then we’ll have automatically saved it for you. You can now log in to complete your application or retrieve your decision. If you're not sure what your login details are, or you can't get online for some reason, please give us a call on 0800 028 3632.

Retrieve your application

Important information

Protecting your money

Your eligible deposits with Clydesdale Bank PLC are protected up to a total of £75,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme.

This limit is applied to the total of any deposits you have with the following: Clydesdale Bank and Yorkshire Bank. Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please see FSCS leaflet download (Opens in a new window) for further information or visit www.fscs.org.uk  


Help and support


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

For your security calls may be monitored or recorded.