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Taking care of your basic banking needs

Our Readycash Account is a Basic Bank Account. It lets you pay for goods and services at retailers with your debit card, and access your cash through our network of ATMs, at any Yorkshire Bank branch or at Post Office counters.

The account costs you nothing to run as long as you don't try to make payments when there are insufficient funds in your account. Overdrafts are not permitted and requests for unplanned borrowing will usually be declined. A decline may result in a fee, please refer to your tariff for more information on fees that may apply in these circumstances. Account subject to status, applicants must be 16 or over.

What you get

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

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.

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.

Current Account switch guarantee

£150 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. Offer end 30/11/15.

Find out more about switching

Important information

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 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 deposits you hold above the limit between these brands are unlikely to be covered.

Please ask for further information or visit

* 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.

Compare with our other accounts

Compare all accounts

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?

Sole account application

Applying securely online takes around 10 - 15 minutes.

  • You will receive an instant decision* if you are successful
  • You can register for internet and telphone banking
  • You will have the option to switch your account to us

Overdrafts and switching

Our online application does not currently offer the ability to arrange an overdraft. If you require an overdraft and are planning to use the Switch service then please call us on 0800 678 1230 or visit us in branch.

Please have this information ready:

  • 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)

Online applications will be unavailable between 7pm - 7:15pm, 8:10pm - 8:25pm and midnight to 2:30am

* 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.

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?

If you have already started an online application for opening one of our current accounts, regardless of whether you are switching from another provider, you can retrieve it here.

Retrieve your application

Online applications will be unavailable between 7pm - 7:15pm, 8:10pm - 8:25pm and midnight to 2:30am

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.