Triple Access Saver - Issue 3 - A great savings rate, no hidden suprises.

Introducing the Triple Access Saver - Issue 3, a straightforward way to save with access to your money three days a year.

Ideal home for longer term savings
Monthly or annual interest options
Save from as little as £100 up to £2 million
Add to your account whenever you want to
Make withdrawals on three days each account year^†
Close your account with no loss of interest by using one of your three withdrawal days.

Interest rates
Terms
Summary box
How to apply

Apply now

Interest rates

Current rates
( Effective 04 March 2013 )

Balance (£)	Annual Interest Rates			Monthly Interest Rates
Balance (£)	Gross Gross rate p.a. Interest rate payable before any income tax is deducted. It can only be paid subject to the required registration.	Net Net rate p.a. Interest rate payable after the deduction of income tax, at the lower rate of 20%.	AER AER stands for Annual Equivalent Rate and shows 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.	Gross Gross rate p.a. Interest rate payable before any income tax is deducted. It can only be paid subject to the required registration.	Net Net rate p.a. Interest rate payable after the deduction of income tax, at the lower rate of 20%.	AER AER stands for Annual Equivalent Rate and shows 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.
£100 and above	1.65%	1.32%	1.65%	1.64%	1.31%	1.65%

Interest rates are variable paid annually or monthly.

Gross rate p.a.
Interest rate payable before any income tax is deducted. It can only be paid subject to the required registration.

Net rate p.a.
Interest rate payable after the deduction of income tax, at the lower rate of 20%.

AER stands for Annual Equivalent Rate and shows 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.

Terms

The product terms should be read with the Online General Terms and Conditions booklet (General Terms). Together the Product Terms and General Terms explain how your account works.

It is important that you read all the terms applicable before you decide whether to open this account. Terms 10, 11 & 14 of the General Terms explain the circumstances in which we may change the interest rates, terms and conditions and charges relating to your account, and how we will tell you about the changes

Product terms

Eligibility

To open an Triple Access Saver - Issue 3, you must be aged 11 or over and must be a UK resident. Only 2 accounts are allowed per person. An account can be held in your sole name, or jointly with one other eligible individual or in trust.
Deposits and withdrawals
1. The minimum initial deposit is £100.
2. The maximum amount you can deposit is £2,000,000.
3. Additional deposits (minimum amount £1) by cash, cheque or transfers, either from another bank or building society account, e.g. by standing order, or another account held with the Yorkshire. Deposits by account transfer will start to earn interest on the day they are credited to your account. To set up a standing order you need to quote the sort code 60-92-04 and your account number which is the first 8 digits of your account number, if you are asked for a reference number please quote the full 10 digits of your account number.
4. We do not accept Postal Orders.
5. Withdrawals can be made on any 3 days of each account year (the account year is based on the anniversary of the account opening date). Withdrawals can be made at any of our branches and agencies.
6. Transfers to an account with another bank or building society should arrive the following working day after the transfer was made. However, this is not guaranteed and on occcasions the transfer may take longer. Transfers to another account with the Society will normally be credited the next working day.
7. Closure of the account is permitted on one of the three withdrawal days of each account year.
Interest

The rate of interest for the Triple Access Saver - Issue 3 is variable. Interest can be added to your account annually on the 31st March or it can be paid monthly on the last day of the month, but must be paid into another Yorkshire Building Society account or an external account held with another bank or building society.
Keeping track of your account

This is a Passbook account. You can, however, check your balance, interest rate and view statements showing transactions on your account whenever you wish online. You will need to register for our online services to do this. View our matrix of accounts to see what you can do online with this account.
If you change your mind

If you open an Triple Access Saver - Issue 3 account and subsequently change your mind within 14 days, we will either transfer your savings to another account with us (subject to the completion of the appropriate application form) or repay them to you with interest earned up to and including, the day of closure. Contact us for more details.
Not happy with our service?

If at any time you're not satisfied with the service you've received, please let us know. We have a simple process enabling you to do this, the details of which are in our leaflet "We're here to help you - our complaints process", which can be downloaded from this site, obtained at any of our branches or requested by calling us on 0845 1200 300.

If we cannot come to a resolution to your satisfaction, you may have the right to refer the matter to the Financial Ombudsman Service, of which we are a member.
Financial Services Compensation Scheme

Yorkshire Building Society is a participant in the Financial Services Compensation Scheme. Read more on how this affects you.

General terms and conditions

Read and download the General Terms and Conditions for this account.

Apply now

Summary box

Key Product Information for our Savings Account

Account Name	Triple Access Saver - Issue 3
Interest rates (AERs)	Variable rate paid annually or monthly. View interest rate.
Tax Status	Gross Gross rate p.a. Interest rate payable before any income tax is deducted. It can only be paid subject to the required registration. or Net Net rate p.a. Interest rate payable after the deduction of income tax, at the lower rate of 20%.
Conditions for bonus payment	N/A
Withdrawal arrangements	Withdrawals permitted on 3 days each account year based on the anniversary of each account opening, subject to daily withdrawal limits. Closure with no loss of interest permitted on one of the 3 withdrawal days each account year.
Access	Branch or post.

Whether you can benefit from gross, net or tax free interest is dependent on your own personal circumstances and tax status and so may be subject to change in the future.

How to Apply for a Triple Access Saver - Issue 3

To open an account:

Read the Product Terms and General Terms & Conditions for the account.
Print and complete a Triple Access Saver application form
Find the address of your local branch
Visit, or post the application form to, your local branch with a cheque for your initial deposit (minimum: £100) and documents confirming your identity. For details see our Identification Requirements leaflet.

This savings account can be operated in various ways but must be opened at a branch or via the post. View our matrix of accounts to see what you can do online with this account.

Note: When applying for a YBS account you will need to verify your identity and address. Check our Verifying your Identity section for more details of what you may need to take with you.