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 4.85%.
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 4.85% is available on one of its regular savings accounts.
Easy access savings accounts
Table: sorted by interest rate
Yorkshire Building Society's best easy access rate of 4% is significantly lower than today's market-best rate of 6%.
5 of 5 results
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How we picked theseCash ISAs
Table: sorted by interest rate
Yorkshire Building Society's best cash ISA rate of 4.1% is slightly lower than today's market-best rate of 4.67%.
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How we picked theseFixed-rate bonds
Table: sorted by interest rate
Yorkshire Building Society's best fixed-rate bond rate of 3.65% is slightly lower than today's market-best rate of 4.5%.
5 of 9 results
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How we picked theseRegular 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 7.5%.
2 of 2 results
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How we picked these
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 | 4% |
| Best cash ISA rate | 4.1% |
| Best fixed-rate bond rate | 3.65% |
| 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
- Fees (if there are any)
- 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.
Yorkshire Building Society and Finder Awards
Our Finder Awards celebrate brands that truly stand out in their field, creating innovative personal finance products and providing outstanding service to their customers. Yorkshire Building Society is one of these brands and was named our 2025 Savings Customer Satisfaction Award winner!
Yorkshire Building Society customer reviews
In our independent 2025 customer satisfaction survey, 97% of Yorkshire Building Society’s users said they’d recommend the brand to a friend.
The Yorkshire Building Society app has a rating of 4.7 out of 5 from over 39,100 reviews on the App Store. On Google Play, the app also has a score of 4.7 from more than 8,400 Android app users (updated April 2025).
Reviews are positive on Trustpilot too. The building society has a score of 4.6 out of 5, giving it an ‘Excellent’ rating. Many reviewers comment on the fantastic and professional customer service, although a few had problems opening their account (updated April 2025).
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.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
Sources
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