Easy access
Yorkshire Building Society savings accounts and interest rates
Yorkshire Building Society offers a broad range of savings accounts with interest rates up to 5%.
Yorkshire Building Society is one of the largest building societies in the UK. It offers a very respectable range of savings accounts to its customers. Yorkshire Building Society's top savings rate of 5% is available on one of its cash ISA accounts.
Easy access savings accounts
Table: sorted by interest rate
Yorkshire Building Society's best easy access rate of 3.75% is significantly lower than today's market-best rate of 6%.
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Cash ISAs
Table: sorted by interest rate
Yorkshire Building Society's best cash ISA rate of 5% is very slightly lower than today's market-best rate of 5.3%.
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Fixed-rate bonds
Table: sorted by interest rate
Yorkshire Building Society's best fixed-rate bond rate of 5% is very slightly lower than today's market-best rate of 5.4%.
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Regular savings accounts
Table: sorted by interest rate
Yorkshire Building Society's best regular savings account rate of 4.85% is significantly lower than today's market-best rate of 8%.
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About Yorkshire Building Society
Yorkshire Building Society (YBS) is the third largest building society in the UK, with more than 3 million customers and £53 billion in assets. Much of its growth has been over the last 10 years, with around 1.5 million new members joining from across the UK in that time. It still has its roots in Yorkshire, though, with its headquarters on the outskirts of Bradford.
What is Yorkshire Building Society's best savings account with the highest interest rate?
The best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.
Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts Yorkshire Building Society offers, plus the highest interest rate currently available.
| Savings account types include | Easy access, cash ISAs, fixed-rate bonds, regular savers |
|---|---|
| Best easy access rate | 3.75% |
| Best cash ISA rate | 5% |
| Best fixed-rate bond rate | 5% |
| Best regular saver rate | 4.85% |
| Fixed bond terms | 1 year - 5 years |
| Opening options | Branch, website, post |
| FSCS protection |
What's the difference between instant access and easy access?
Instant access and easy access accounts tend to have fewer restrictions than some other savings accounts. These types of accounts typically allow withdrawals instantly or within 1 day, and have no penalties attached to withdrawing.
For an account to be easy access rather than instant access, it means there may be a short wait when you want to take money out and there can be limits on the number of withdrawals you can make.
In our easy and instant access tables, we show products that are variable rate or cash ISAs, that allow instant withdrawals or withdrawals within 24 hours, and that have no penalties attached to withdrawals. However, for some products, there may be a limit to the number of withdrawals you can make in a specified amount of time.
Is it easy to open a Yorkshire Building Society savings account?
Some of YBS’s accounts are easier to open than others.
With some of its savings options, you can register online or by post, while with others you have to go into a branch and have a face-to-face meeting.
For those on a budget but looking to squirrel away some money, you can open some accounts with as little as £1.
How do I decide which account is for me?
When comparing savings accounts, consider factors such as whether you want to be able to access your cash easily, or whether you’re happy to leave your money untouched for a while.
Fixed-rate bonds will typically give you a better return, for instance, but you have to put away a lump sum for at least a year – with no option of taking it out early.
Once you’ve worked out the type of account, these are useful aspects to bear in mind when you’re comparing accounts:
- Interest rates
- Minimum and maximum balance requirements
- Access to cash (if you need quick access, for instance)
Does Yorkshire Building Society offer online or mobile banking?
Yorkshire Building Society offers online banking and has a mobile app.
Here are some of the basic features of Yorkshire Building Society’s online and mobile banking services:
- See your latest transactions
- Move your money between accounts quickly and easily
- Get in contact with the bank securely
- View your personal details
- Check your account’s interest rate
What is a 'building society'?
A building society is a financial institution owned by its members. Building societies offer banking and related financial services including mortgages and savings.
Whereas banks are normally listed on the stock market and are run for their shareholders, building societies aren’t. Because they don’t have shareholders to pay, building societies have historically claimed to offer better interest rates than banks.
What do customers say about Yorkshire Building Society?
93% of customers we surveyed in 2026 would recommend Yorkshire Building Society to a friend.
It's highly regarded as a trusted, reliable institution offering excellent customer service and great communication. Users appreciate the easy online access combined with the convenience of visiting physical high street branches.
While the interest rates are generally viewed as competitive, a few users noted recent rate drops, and minor frustrations include Saturday branch closures and occasional inconsistencies in staff helpfulness.
AI-generated summary from the text of customer reviews on Finder.
Yorkshire Building Society and Finder Awards
Our Finder Awards celebrate brands that truly stand out in their field. Yorkshire Building Society was named our 2025 Savings Customer Satisfaction Award winner!
What are the pros and cons of banking with Yorkshire Building Society?
Pros
- Online and mobile banking. Your Yorkshire Building Society savings account can be accessed via online and mobile banking.
- Flexibility. Yorkshire Building Society's extensive variety of accounts offer flexible options, no matter what kind of savings you're looking for.
- FSCS protection. With Yorkshire Building Society you have peace of mind that your money is protected up to a total of £120,000 by the UK’s deposit guarantee scheme.
Cons
- Limited number of branches. If you like the assurance of face-to-face customer service then Yorkshire Building Society does have a number of branches, but its network is smaller than the big high street banks.
Customer service information for Yorkshire Building Society
| Email support | |
|---|---|
| Telephone support | |
| In-app or live chat | |
| Contact form | |
| Branch support |
Our verdict
Yorkshire Building Society has a range of different savings accounts on offer – including easy access and fixed-term ones – which means you’re likely to find a savings vehicle to suit your needs. As well as its branch network, you can also manage your savings account through the building society’s online banking service and mobile app.
Be sure to check out our other reviews first, though, to see how Yorkshire Building Society savings accounts weigh up against the competition in terms of rates, fees and perks.
Our “Best for” picks highlight top options in specific categories based on our independent evaluation (see our full methodology), while “Promoted” tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.
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