Managing your accounts

With many of our accounts you have the option to manage your money online – but you'll need to register for online services first. Visit our online services to find out more.

Whether you manage your accounts online, over the phone or in a branch, there are things you’ll need to know. For example, how quickly your money will get into or out of your account, what our fees and charges are, what sort codes to use, what our withdrawal limits are and our use of Verified by Visa/Mastercard Securecode.

Faster payments
Fees & Charges
Our sort code
Withdrawal limits
Visa and Mastercard Securecode

Faster payments

A new service from Yorkshire Building Society

During December we introduced a Faster Payments service. This means electronic payments from your account arrive at their destination more quickly. The service is part of new regulations to change the way payments are processed between bank accounts from 2012 onwards.

What does this mean?

Electronic payments you make from your account to a bank account elsewhere will normally arrive the next day. It won't change when the payments leave your account; just that they'll get to the receiving bank quicker.

If you manage your account online, logging in to make an electronic payment is exactly the same as before. The only difference you'll be aware of (other than the quicker arrival at the receiving bank) is what happens to payments above £100,000. There is an overall transaction limit of £100,000 under the Faster Payments scheme. So, if you request an electronic transfer above this amount, it will be sent as more than one payment.

Are all bank accounts in the scheme?

A limited number of bank accounts are not part of the Faster Payments scheme. To check whether the bank accounts you make electronic payments to are covered, use the sort code checker.

More information

Call us on 0845 1200 100 with any questions about how the Faster Payments service affects your accounts. Lines are open 8am to 8pm Monday to Friday and 9am to 1pm Saturday.

Fees & Charges

Download a guide to the Fees & Charges that apply to our savings accounts.

Our sort code

To make payments to or from your account(s) via the banking system - it is critical that you use the correct sort code when setting up the arrangements.

Payments within the UK

To make payments into your account from within the UK, or for a Direct Debit payment from your Cash Transactor account:

Sort code	60 - 92 - 04 (operated through one of our main bankers - NatWest Bank Plc)
Bank Account Number	The first 8 digits of your YBS account number
Reference or Roll number	The full 10 digits of your YBS account number (direct credits only)

Typical types of transaction are:

CHAPS - 'Same day value' electronic payments which, when received into accounts, are treated as cleared funds.

Faster Payments - We accept faster payments into our sort codes from UK banks offering an outward faster payment service to their customers. Standing orders, internet and telephone banking payments can be sent using this service, subject to payment limits.

BACS - These tend to be regular payment arrangements into accounts, such as standing orders, salaries and DWP payments.

Direct Debits - Arrangements for payments from a Cash Transactor card account to a third party - e.g. to pay utility bills, insurance premiums or Sky subscriptions.

Payments from abroad

To make payments into your account from abroad you will need to use the following:

Sort code	56 - 00 - 36
Bank Account Number	00115959
Bank Account Name	Yorkshire Building Society
IBAN	GB88 NWBK 560036 00115959
SWIFT / BIC	NWBKGB2LXXX
Reference	Your 10 digit Yorkshire account number
Account Name	Yorkshire account holder’s name
Bank Name	National Westminster Bank Plc
Branch Address	Bradford City Centre Branch 7 Hustlergate Bradford BD1 1PP

Please ask the sender to quote your name and address with the payment.

If you require further information:

Please contact your local branch or our Member Contact Centre on 0845 1 200 100.

Withdrawal limits

For operational reasons we impose limits on the amounts that can be withdrawn from our savings accounts at branches or agencies. The limits are set out below and are subject to change from time to time.

Where the terms of your account allow immediate access to your funds:

Withdrawals on demand from branches are limited to:

Cash - £1,000 on any one day or up to £5,000 by giving a few days’ notice
A maximum amount of £5,000 cash in any seven day period
Cheques - £150,000 on any one day - higher amounts may take an extra day to process

Withdrawals on demand from Society agencies are limited to:

Cash - £500 on any one day
A maximum amount of £1,000 cash in any seven day period
Cheques - £50,000 (or £10,000 which applies at certain agencies - the agency will advise you which limit applies to them) on any one day

These limits apply irrespective of the number of accounts you may have with us and whether an account is a sole or a joint account.

Proof of identity may also be required when making withdrawals.

Where to obtain cash?

Cash can be withdrawn at any YBS Branch or Agency.
Up to £250 in cash through ATMs.

Verified by Visa and Mastercard Securecode

Additional security for your debit card transactions.

The Society has adopted Verified by Visa and Mastercard SecureCode to provide you with extra security when using your debit card to make an online deposit into your Yorkshire Building Society savings account. This reassures your card issuer that it is you making the transaction and makes it much harder for your card to be used fraudulently.

If you have not already registered your card(s) for the scheme then you can find out more information by speaking to your card issuer or clicking on the links below.