An explanation of how and why we use cookies

What are cookies?

A cookie is a small text file that is placed on your computer or device when you visit a website.

Cookies are used by all websites and have several different functions. They are useful because they allow a website to recognise a user's device. They will also:

  • Allow the site to work properly and help keep it secure
  • Help you navigate between pages efficiently
  • Help us understand how people use the website
  • Make the site easier to use by remembering information that you've entered
  • Improve your experience by showing you information that's relevant to you

How do YBS use cookies?

We use cookies to:

  • Improve your experience by making it quicker and easier for you to use the website
  • Identify what stage in an application process you are at
  • Enable you to log in and manage your savings and mortgage accounts
  • Identify how effective our advertising is and provide you with information in the future that we believe is relevant to you

We do not use cookies to:

  • Store your password or memorable data for accessing your accounts online

What types of cookies do we use


Cookies are needed to enable you to get the full experience from our website and services.

When you visit our website, you will see a banner advising you that our website uses cookies. This will continue to appear until you either accept cookies or manage your preferences.

As a default, performance (analytics) cookies are turned ON. Advertising cookies are turned OFF.

By clicking on Accept all, you agree to our use of cookies as set out above.

Can I change my mind?

If you change your mind, you can update your preferences at any time by clearing your browser cache via your settings. When you revisit our website you will then be asked to set your cookies preferences again.

You can find out how to clear your browser cache below, depending on the browser you use.


Internet Explorer



What happens if I change my settings?

If you modify your browser settings some features may be disabled or you may be asked to re-enter information that would otherwise be remembered.

Cookies are stored locally to each browser and device. If you have multiple devices you will need to apply your chosen settings to each device (home computer, mobile phone, tablet etc).

How can I opt out of targeted advertising

If you prefer not to receive targeted advertising, you can choose to opt out by registering your decision to opt out with advertising companies. The European Interactive Digital Advertising Alliance website Your Online Choices allows you to install opt-out cookies across different advertising networks.

You'll still receive advertising on the internet, but the adverts you see may not be tailored to your likely interests or preferences. You can set your preferences here: www.Youronlinechoices.Com/uk/your-ad-choices.

Further information about cookies

  • Google has developed a browser add-on to allow users to opt-out of Google Analytics across all websites which use it. This is also available in the available in the Chrome web store.
  • Some browsers include a feature known as ‘Do Not Track’ or DNT. This allows you to indicate a preference that websites should not track you. However, whilst DNT is available in many browsers, websites are not required to recognise its request, so it may not always work. You can get help on how to use DNT in Microsoft Edge, Internet Explorer, Firefox, Chrome, Safariand Opera.
  • Internet Explorer has a feature called Tracking Protection Lists which allows you to import a list of websites you want to block.

For more information on how private browsing works, as well as its limitations, visit the support pages for your browser: Microsoft Edge, Internet Explorer, Firefox, Chrome, Safari ( mobile and desktop) and Opera.