Support to Help You Manage Your Money | Savings | Help & Support | YBS
Savings Help & Support
Our Savings Help section will give you information and guidance about operating your accounts and managing your money

Interest rates
You can visit our savings rates page to find out the interest paid on our current savings accounts and the rates for accounts we have discontinued.
You can find out our savings interest rates, how and why we verify your identity when making a new application and the specific sort codes you need when transferring your savings. We also have a section which provides details about the Financial Services Compensation scheme which covers your savings deposits for up to £85,000.
My Online Account
Information on managing your accounts online.
Verifying your identity
Find out how to verify your identity when applying for savings accounts.
Payments to and from your account
Use our specific sort codes when making payments to or from your accounts.
Financial Services Compensation Scheme
Your savings deposits are covered by the Financial Services Compensation Scheme, find out how on this page.
Personal budget calculator
Find out how much you might be able to save each month.
How do I close my savings account?
If you manage your account online, you can log in and select the account you wish to close. Then, simply follow the instructions and we’ll guide you through the process.
For security, we may need to phone you to confirm your account closure.
If you don’t have access to your account online, please visit your local branch or agency.
How do I transfer matured funds to a new account?
For online accounts
Around two weeks before your account matures, we’ll send you an email with information about your investment options. We’ll also send information about how to reinvest or withdraw funds.
The funds will not be available to access online until the maturity date. Reinvestment options also won’t become active on the account until this date.
It’s not possible to give us instructions or notice to transfer funds prior to maturity.
For branch accounts
Around two weeks before your account matures, you’ll receive a maturity pack in the post. This will contain information about investment options, and about how to reinvest or withdraw funds.
Select the instructions you would like to give, and take your completed form with your maturity pack to your local branch. The branch will keep this until the maturity date of your current product.
If you’d like to reinvest into a product that isn’t detailed in your maturity pack, this product must still be on sale when your account matures. If it is no longer on sale, you won’t be able to transfer your funds into that product.
Can I add another name to my YBS savings account?
This depends on the terms and conditions of your account. Please visit your local branch or agency. Or call us on 0345 1 200 100 for more details.
Can I name or rename my account?
Yes, if you manage your account online, you can log in to name your account. Log in and select the pencil icon next to the description of the account you want to name. You’ll then be able to enter a name.
How do I order a savings statement?
If you manage your account online, you can log in to view and print your transaction details.
If you don’t have online access, please contact us to order a statement.
How do I access my postal account?
To pay money in or make a withdrawal from your postal account, you’ll need to send us your passbook. You’ll need to include a completed withdrawal or deposit slip in the pre-paid envelope.
If you don’t have any withdrawal or deposit slips, or pre-paid envelopes, please call us on 0345 1 200 100. We’ll post these to you.
My eBond is maturing, what happens next?
Before your eBond matures, we’ll send you an email with information about your investment options. We'll explain how you can reinvest, or how to withdraw funds.
It won’t be possible to reinvest or access your funds until the maturity date.
How do I check if I have a dormant account?
To trace an old or dormant account we’ll need your name, current and previous addresses and your date of birth. You can visit your local branch or call us with this information. If you’re visiting a branch please remember to bring two forms of ID, one as proof of your name and one as proof of address.
Call us
Online security
Report an online security issue using our form
Report a lost/stolen card
Call our helpline 24 hours a day, 7 days a week