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Access Saver

An Access Saver can be opened in branch or by post. Once your account is open, you can register to view your transactions, transfer in funds and make withdrawals online, or you can manage your account in any of our branches.

Key features

  • Save from £1 up to £2 million
  • Pays a variable** rate of interest
  • Choose to have your interest paid monthly or annually
  • Unlimited withdrawals, subject to daily withdrawal limits
  • Register to view and manage your account online

0.25%

gross† p.a./AER* variable**

Summary Box

Account Name Access Saver
What is the interest rate?

Current rates - Effective 02 September 2016

This product pays a variable** rate of interest of:

Annual

Gross† p.a. AER*
0.25% 0.25%

Monthly

Gross† p.a. AER*
0.25% 0.25%

Whether you need to pay tax is dependent on your own personal circumstances and so may be subject to change in the future.

† Interest is paid gross i.e. without tax being taken off on all our savings accounts – ISA accounts pay interest tax-free.

* AER stands for the Annual Equivalent Rate and shows you what the interest rate would be if interest was paid and added each year. This will enable you to compare more easily the return you can expect from your savings over time.

** Variable rate of interest means that the interest rate payable on your account can change and can move both up and down.

 

Payment of interest

  • Interest is calculated daily on cleared balances
  • Annual interest is paid on 31 March. It can be paid into the Access Saver account, another Yorkshire Building Society account or another building society or bank account
  • Monthly interest is paid on the last day of each month. It must be be paid into another Yorkshire Building Society account or another building society or bank account.

 

Can Yorkshire Building Society change the interest rate?

We can make changes to the interest rate on this account for particular reasons. General Terms and Conditions (424 KB) 7 and 8 set out those reasons. Term 11 tells you how we will notify you of the changes.

What would be the estimated balance after 12 months based on a £1,000 deposit?

After 12 months your balance would be £1,002.50.

We have worked this out assuming a £1,000 deposit is made on account opening, no further deposits or withdrawals are made throughout the 12 months, the interest earned is added to the account and no changes made to the current interest rate.

This is provided for illustrative purposes only and does not take into account your individual circumstances.

How do I open and manage my account?

Eligibility
You have to be at least 12 years old (for under 12s accounts to be opened in trust) and a UK resident to open the account. The account can be held on your own, jointly with someone else, or in trust.

Account opening and management
Accounts can be opened with a minimum of £1 in the following ways:

  • In a branch or at an agency
  • By calling 0345 1200 200 to request an application pack to be sent to you.

The account can be managed in branch or at an agency, by post or online.

The maximum balance is £2 million.

Account switching
If you currently have an existing Yorkshire Building Society account it may be possible to transfer to this product, subject to meeting eligibility criteria. Please check with us to see whether this is possible.

Can I withdraw money?

The Access Saver account allows instant withdrawal,subject to daily withdrawal limits , without loss of interest.

Please be aware if a withdrawal is made from the account by CHAPS a charge of £23.50 will be incurred. Proof of name ID will be required.

Additional Information The account is passbook based. You should try and have your passbook updated at least once a year.

 

How to apply

When you apply for an account with us, we need to know you are who you say you are. We sometimes require that you provide documentation to verify your identity and address  before we can open your account.

Book an appointment

To visit us in branch or request a phone call, enter a town, city or postcode and select a branch of your choice.


Use my location

Call us

Speak to one of our friendly advisers and we will send you an application pack in the post.

8am - 8pm: Mon to Fri

9am - 1pm: Sat

0345 1200 100*

By post

We will send you what you need in the post to get you started.

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Not ready to apply yet?

Save for later

If you would like to look at this page again later, enter your email address and we will email you a link to this page.

Book a savings review

To ensure that you have the right account for whatever you're saving for, why not visit us in branch for a savings review? Book an appointment at one of our branches.


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