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Taking care of your basic banking needs

Readycash is our basic bank account for customers aged 16 years and over and not eligible for one of our standard Current Accounts. It may also be available for customers whose personal circumstances make it difficult to manage their finances, or who are experiencing financial difficulties - if this is the case, please phone one of our advisors or visit your local branch. There are no fees or charges for everyday transactions.

Readycash lets you pay for goods and services at retailers with your debit card, and access your cash and account details through our vast network of ATM’s, at any Yorkshire Bank branch or at Post Office counters. You will also be able to manage your account easily with monthly statements, free text alerts and online and telephone banking.

Overdrafts are not permitted on this account and requests for unplanned borrowing will usually be declined. The account does not come with a cheque book, does not pay credit interest and the debit card is not contactless.

What you get

No monthly account fee.

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 fees and charges may apply).


24 hour service*

Telephone banking, mobile, internet banking.

* 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.

Pay your bills

Using telephone banking, mobile, internet banking, Direct Debit or standing order.

Withdraw up to £350 cash per day

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

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.


Readycash accounts cannot be applied for directly. If you apply for one of our standard Current Accounts and you're not eligible, we'll let you know at the end of the application and offer you a Readycash account (if appropriate).

  • You must be 16 years old or over,
  • You don’t qualify for one of our standard Current Accounts or,
  • You are in financial difficulty

Contact Us

To speak to an advisor, please contact us by phone or in branch.

Or if you're abroad / Outside UK

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

For your security calls may be monitored or recorded.

Important information

Protecting your money

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 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  

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

Or if you're abroad / Outside UK

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

For your security calls may be monitored or recorded.

You are here: Personal Banking > Current accounts > Readycash