Signature Current Account

Overdraft – pay less on your planned borrowing

You can apply for an overdraft on your Signature Current Account. And when you borrow within your agreed limit, you’ll pay a rate of 10.95% AER.

Spending made easy with your debit card

Pay for goods and services with your Maestro debit card – in the UK or abroad. Just remember that you pay a handling charge when you use your debit card to buy goods or services overseas. You can also get cashback at some retailers, handy if you need cash.

Cash machines – get up to £350 a day

Use almost every UK cash machine, including Yorkshire Bank cash machines. Just remember that you pay a handling charge when you use your debit card to withdraw cash overseas.

Chequebook – subject to eligibility

Sometimes it’s easier to pay by cheque – perhaps if someone doesn’t accept cards, or when cash isn’t convenient.

Mobile phones – top up your balance at our cash machines

Running low on credit on your pay as you go phone? Simply visit any Yorkshire Bank cash machine to top up your balance.

Worldwide family multi-trip travel insurance policy is provided by Chartis Insurance UK Limited and is worth over £180 per year based on purchase of like for like standalone policy from Clydesdale Bank PLC at a cost of £186.24 per annum. You’re not covered for trips to Afghanistan, Cuba, Liberia and Sudan. You and all persons insured must have lived in the United Kingdom for at least 6 of the last 12 months for cover to be available.

Green Flag UK breakdown cover is provided by Green Flag Motoring Assistance and is worth from £47 per year and is based on purchase of Green Flag Rescue Plus (source Green Flag website). Additional cost may apply where the transportation exceeds 10 miles or labour exceeds 30 minutes.

Mobile phone and gadget insurance is provided by Gadgetsafe and is arranged and administered by Supercover, and underwritten by Equity Red Star who are authorised and regulated by the Financial Services Authority. It is worth over £95 a year based on £7.99 per month (£95.88 per annum) cost for three gadgets covered (source Gadgetsafe insurance website). Please note that you need to register for your mobile phone and gadget insurance once your Signature Current Account is opened. Please telephone 0845 602 2369 or visit www.ybonline.co.uk/gadget and register online.

Identity Theft Alert is provided by Homecare Insurance Limited which is a member of the CPP group of companies and is authorised and regulated by the Financial Services Authority. Homecare Insurance Limited. Registered Office: Holgate Park, Poppleton Road, York YO26 4GA. Identity Theft Alert is worth almost £70 per year based on £69.99 cost if purchased direct from CPP (source CPP website).Please note that you need to activate your credit reports and alerts once your account is opened. A welcome pack will be sent to you direct from CPP. Cover is only available to residents of the United Kingdom, Isle of Man, Jersey or Guernsey who are over the age of 18 years and is applicable to the person whose name appears on the certificate of insurance only. Policies are non-transferable; this means that you cannot give your cover away to someone else.

Monthly fee

• When will I pay the monthly fee?
• There are not enough funds in my account to cover the £10 monthly fee. Will I have to pay an unplanned borrowing fee?

Associated accounts

• How do I open a Signature Savings Account?
• Can I offset my Signature Current Account against a joint mortgage?

Automatic funds transfer (sweeping)

• What is 'sweeping' - can you give me more information?
• Can I set the minimum limit to be an overdrawn balance?
• Could a debit card transaction be declined if I don’t have enough funds in my Signature Current Account? Or will the funds be swept automatically from my savings account to cover the payment?
• I need to make a large payment. How can I make sure there will be enough money in my Signature Current Account to cover it?
• How do I set up, amend or cancel a sweep?

General insurance questions

• Who provides the insurance cover that comes with Signature?
• Do I need to activate my insurance products?
• Will I receive policy documents from each of the insurance providers?
• How do I make an insurance claim?
• When does the cover start?

Gadget cover

• What is a 'gadget' and how many are covered?
• What information do I need to register my gadgets?
• How are items replaced?
• Are my gadgets covered under my home insurance policy?
• What is covered under the policy?
• Am I covered if I simply lose or mislay my gadget?
• What should I do if I replace one of my gadgets?

Travel insurance

• Is there any limit to the number of holidays I can take?
• When do I need to tell the insurer of any pre-existing medical conditions?
• If I need extra cover, for example wedding, business or sports cover, how and when do I pay?
• Does my travel insurance cover camping holidays?
• As the main account holder do I have to travel with other members of the family for them to be covered?

Breakdown cover

• Can I upgrade to include a second car or European cover?
• How do you define 'principal car'?
• Does Green Flag limit the amount of call outs for breakdown cover?
• Do I have to advise Green Flag of the registration number of the principal car?
• What level of breakdown cover is provided?
• If any of my family or friends are driving my vehicle and it breaks down, what do they do?

ID theft alert

• How much will it cost to get Identity Theft Alert for my partner as well?
• When will I get my identity theft alert welcome pack?
• On a joint account, can either of the account holders apply for identity theft alert?

My-GatewayRewards – your exclusive rewards website

• When will I get my registration details for My-GatewayRewards?

Answers

Monthly fee

When will I pay the monthly fee?
On the last business day of the month.

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There are not enough funds in my account to cover the £10 monthly fee. Will I have to pay an unplanned borrowing fee?
No, but you will pay interest on any debit balance on your account.

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Associated accounts

How do I open a Signature Savings Account?
Simply pop into your nearest branch.

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Can I offset my Signature Current Account against a joint mortgage?
Yes, as long as you are named on the mortgage and you have an offset mortgage with us.

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Automatic funds transfer (sweeping)

What is ‘sweeping’?
Sweeping helps you earn higher interest on funds that you don’t need on a day-to-day basis.
It does this by automatically managing the balances on your Signature Current Account and Signature Savings Account.
You simply set a minimum and maximum balance on your Signature Current Account. When either of these limits is reached, we automatically sweep the funds to or from your Signature Savings Account.

• If your Signature Current Account balance is higher than your maximum limit, the excess funds are swept to your Signature Savings Account.

This means you earn a higher rate of interest on these additional funds.

• If your Signature Current Account balance falls below your minimum limit, funds will be swept from your Signature Savings Account into your Signature Current Account.

This will return your Signature Current Account balance back to the minimum limit you have set.
If you don’t have enough funds in your Signature Savings Account to return your Signature Current Account back to the minimum limit, any funds in your Signature Savings Account will still be swept across.

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Can I set the minimum limit to be an overdrawn balance?
No, the minimum limit must be set up as a credit balance of at least £500.

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Could a debit card transaction be declined if I don’t have enough funds in my Signature Current Account? Or will the funds be swept automatically from my savings account to cover the payment?
The card transaction could be declined. Funds sweeping happens overnight. If there aren’t enough funds in an account during the course of the day to cover the payment, it could be declined and you may need to pay a charge.

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I need to make a large payment. How can I make sure there will be enough money in my Signature Current Account to cover it?
Simply use telephone or internet banking to transfer funds into your Signature Current Account on the day that the payment needs to be made.

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How do I set up, amend or cancel a sweep?
Please call into your branch where you can make any changes to the sweeping arrangements you have.

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General insurance questions

Who provides the insurance cover that comes with Signature?

• Worldwide Family Multi Trip insurance is provided by Chartis Insurance UK Limited. The cover excludes Afghanistan, Cuba, Liberia and Sudan
• Green Flag UK Breakdown Cover is provided by Green Flag Motoring Assistance
• Mobile Phone and Gadget Insurance is provided by Gadgetsafe Insurance
• Identify Theft Alert is provided by CPP and underwritten by Homecare Insurance Limited

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Do I need to activate my insurance products?
You need to register your gadgets with Gadgetsafe Insurance - you can call them on 0845 602 2369.
You will receive a welcome pack with further instructions on how to register for identity theft alert.
You do not need to activate or register for travel insurance or breakdown recovery.
If you have any pre-existing medical conditions, you should inform Chartis Insurance UK Limited, as these may affect your travel insurance cover. You can contact them on 0845 602 2369.

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Will I receive policy documents from each of the insurance providers?
No. All the information for each insurance policy is contained in your Signature Account important information pack. You will also receive a welcome pack with further instructions on how to register for identity theft alert.

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How do I make an insurance claim?
You need to contact the individual insurer who provides the cover. Contact telephone numbers for making claims are:

• Worldwide family multi trip travel insurance – calling from the UK: 0845 602 7072. Calling from abroad : +44 (0)127 340 1090. You’re not covered for trips to Afghanistan, Cuba, Liberia and Sudan.
• Green Flag UK Breakdown Cover – 0800 046 2414
• Mobile phone and gadget insurance – 0845 481 2180
• Identify theft alert – 0844 848 4277

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When does the cover start?
Your travel insurance, identity theft and Green Flag breakdown cover will start the moment you open your Signature Current Account.
Your mobile phone and gadget insurance cover start when you register your items. When you give further information to the identity theft insurers, you will get a higher level of cover. This is explained in your welcome pack.

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Gadget Cover

What is a ‘gadget’ and how many are covered?
A gadget is any handheld personal electronic device such as a mobile phone, PDA, MP3 player, iPod™, sat nav or PSP™. It also includes other portable consoles including cameras, camcorders and personal media players. It does not cover laptops and personal computers. The policy provides cover for up to three gadgets.
If you would like to find out more, please call 0845 602 2369 and select the Gadgetsafe option for further details.

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What information do I need to register my gadgets?
You will need your Signature Current Account sort code and account number, plus:

• The make, model, serial number and date of purchase of your gadgets
• Where your gadget is a mobile phone or SIM capable device, you will need to provide your IMEI number (press *#06# on the keypad)
• A contact number where Gadgetsafe can reach you if they have any questions

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How are items replaced?
The cover provides for repair or equivalent replacement. Sometimes items may be able to be repaired. For equipment less than six months old which can’t be economically repaired, Gadgetsafe will replace it with identical or comparable new equipment.
If the gadget can’t be replaced with an identical gadget of the same age and condition, it will be replaced with equipment of comparable specification or equivalent value, taking into account the age and condition of the original equipment.
Replacement items will either be sent directly to you or you may be provided with vouchers of an equivalent value.

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Are my gadgets covered under my home insurance policy?
They may be covered. Check your home insurance policy to confirm what you are covered for and any excess that may apply.

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What is covered under the policy?
The policy covers theft, accidental damage and equipment breakdown when you are at home and while you’re abroad for up to 60 days. The policy document contains full details of the cover as well as the conditions and exclusions. Please read it carefully.

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Am I covered if I simply lose or mislay my gadget?
No.

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What should I do if I replace one of my gadgets?
You should contact customer services on 0845 602 2369 with your new item details and post a copy of your receipt to Gadgetsafe Insurance, 204 Cumberland House, 80 Scrubs Lane, London, NW10 6RF.

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Travel insurance

Is there any limit to the number of holidays I can take?
No. You are fully covered for any number of trips so long as no single trip is for longer than 31 days. However, you can go for even longer – simply pay an extra premium. If you have any questions about travel insurance, please call 0845 602 2369.

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When do I need to tell the insurer of any pre-existing medical conditions?
If you, or anyone you may be travelling with (even if they are covered on a separate policy), have a pre-existing medical condition, you will need to contact Chartis Insurance after you open your account.
If you, or anyone you may be travelling with, develops a medical condition, you should advise Chartis at the earliest opportunity and prior to travel. If any additional annual premium is required, this should be paid directly to Chartis.

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If I need extra cover, for example business or golf cover, or for trips longer than 31 days, how and when do I pay?
Call customer services on 0845 602 2369 and select the travel insurance option for a quote. We will let you know the premium and how to pay it.

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Does my travel insurance cover camping holidays?
The policy does cover camping holidays. Refer to the policy summary for what is included.

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As the main account holder do I have to travel with other members of the family for them to be covered?
No, other family members can benefit from the cover even if you are not travelling with them. Children under the age of 18 are only entitled to travel separately to the Signature Current Account holder if they are travelling with a relative, guardian or person with a duty of care.

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Breakdown cover

Can I upgrade to include a second car or European cover?
Yes. Call 0845 602 2369 and select breakdown cover for a quote.

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How do you define ‘principal car’?
The principal car is the car that you nominate the first time that Green Flag assistance is needed. The principal car must be registered at the address of the Signature Current Account holder.

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Does Green Flag limit the amount of call outs for breakdown cover?
There is no limit, but Green Flag does operate a fair usage policy.

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Do I have to advise Green Flag of the registration number of the principal car?
No, your car registration number will be taken when you call for assistance.

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What level of breakdown cover is provided?
The breakdown cover protects you while you’re driving in the UK and includes:

• 30 minutes roadside repair
• Homecall if you breakdown at home
• Transportation to an approved repairer within 10 miles Additional costs may apply where the transportation exceeds 10 miles or labour exceeds 30 minutes

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If any of my family or friends are driving my vehicle and it breaks down, what do they do?
The vehicle is covered for most drivers – as long as they’re driving the car with your permission. The driver of the car should ring for assistance using the dedicated telephone number. They will need to provide the name and address of the Account Holder.

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ID theft alert

How much will it cost to get Identity Theft Alert for my partner as well?
Partner policies can be purchased for the reduced rate of £49.99. Call customer services on 0845 602 2369 for more information.

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When will I get my identity theft alert welcome pack?
Your welcome pack will be issued within seven working days of you opening your Signature Current Account.

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On a joint account, can either of the account holders apply for identity theft alert?
The welcome and registration pack will be sent to the first named party on the account. Only that person will be able to register for the identity theft alert included with the Signature Current Account. The other account holder can take a further policy at a reduced price - currently £49.99 instead of £69.99.

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My-GatewayRewards – your exclusive rewards website

When will I get my registration details for My-GatewayRewards?
Your welcome pack will be issued within 10–21 working days of your Signature Current Account being opened.

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