Ready to get B?

This is what B can offer you. An amazing app, a current and a savings account. Together at last.

Features & Benefits


The App

  • The B app's packed full of clever tools that help put you in control of your money. They can make setting up budgets, topping up your savings and sorting out your spending all feel less of a chore. With the B app, you're the boss.

    To use the B app features, please check that you have a compatible tablet or mobile and have registered for telephone and internet banking.

  • B Apple Pay B Android Pay B Touch ID

Tagging

The B app's tagging feature lets you sort your transactions by category and see your spending at a glance. Some tags are automatic, while others you can set up yourself.


Savings pots and goals

Your money can be allocated to different savings pots, the full amount still sits inside your B Instant Savings account. So you'll still earn interest while you save, which helps you reach your goals even faster.


Payments

The B app's tagging feature lets you sort your transactions by category and see your spending at a glance. Some tags are automatic, while others you can set up yourself.


Projections

B's Projections feature uses everything it knows about you to predict how the end of your month might look. If it thinks you might fall a little short, B will alert you so you have the chance to make any changes.


Financial stories

As well as using your spending to look ahead, Financial Stories on the B app also tell you interesting facts on how you use your money. So you can see how your current account spending under a tenner adds up from different perspectives.


B Current Account

  • With B Current, you get a rate of 0.50% AER* (0.50% gross per annum variable) paid monthly on your credit balances up to £2,000.

  • Take out up to £500 a day from ATMs (which includes up to £100 "cashback" withdrawals from most shops).

    The ATM withdrawal limit is subject to status and available funds.

  • Arranged overdraft available. With no arrangement fee. If you're 18 or older, you can apply online (sole applicants only), by phone or in branch. Subject to status. Find out more about your overdraft.

  • You get two working days each calendar month before a fee is charged, if you go overdrawn.

B Instant Savings

  • A rate of 1.00% AER* (1.00% gross per annum variable) on all your credit balances with your B Instant Savings account - you could start saving with just £1.

    Interest is paid quarterly on all credit balances

  • Savings pots can help you reach your goals more easily

  • If you need to get your hands on your nest egg, you can just move what you need from your B Instant Savings account into your B Current account instantly - all from within the app. A few taps and it's done.

B Current & Savings accounts are available for anyone from the age of 16. If you want to apply online you'll need to be at least 18. Subject to status. Before you apply, you may need your passport, driving licence or national ID card and please check out the other current accounts available. Just make sure you choose the right one for you. View our Full T&Cs (PDF, 172 KB, opens in a new window) for the B Current & Savings account.

Looking for a joint account? We only need one of you to get the ball rolling. Tell us about yourself first and we'll ask the other party for their details later.

You can cancel your agreement with us within 14 days of your account being approved. Just phone or contact any branch. Once you've cancelled, you have 30 days to repay any debit balance, interest and fees owing.

No Monthly Fee to Maintain the Account. Yes, really.

Account Summary

What is the interest rate on the B current & savings account?

Account Balance Gross Rate (%) AER (%)

B current account

On all credit balances up to £2000 Gross Rate0.50% AER0.50%

B savings account

On all credit balances Gross Rate1.00% AER1.00%

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Can Clydesdale Bank & Yorkshire Bank change the interest rate?

Yes, if we decrease your rate we will provide at least 2 months notice as described in Section 9 of the Terms and Conditions. We may increase your rate without giving you notice.

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

Account Initial deposit at account opening Balance after 12 months

B current account

£1,000.00 £1,005.00

B savings account

£1,000.00 £1,010.00

This is only an example and does not take into account your individual circumstances

The example assumes that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to the interest rate.

How do I open and manage my account?

B Current account & B Instant Savings Account come together. The B Instant Savings Account will remain open, provided the B Current Account is maintained as described in the Terms and Conditions.

There are no minimum or maximum balance restrictions or need to pay in on a regular basis.

The B account is available for anyone from the age of 16. If you want to apply online, you'll need to be at least 18. Subject to status.

Want to open a B account?

B is powered by Clydesdale and Yorkshire Bank . Tell us a little more to make your application as quick and easy as possible


Retrieve your application

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Retrieve your application

Apply free by phone

Call us Monday to Friday 8am - 8pm, Saturday 9am - 5pm, Sunday 10am - 5pm on 0800 678 3654 . Or if you're abroad: +44 141 221 7300 .

Find your nearest branch

Find your nearest Clydesdale Bank or Yorkshire Bank branch to apply.

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Looking to switch to B?

It couldn't be any easier to switch to the B Current account. Switching is covered by the Current account switch guarantee and it'll all be done quickly and easily.

Current Account Switch Guarantee

*AER (Annual Equivalent Rate) is the equivalent rate if the interest was paid and compounded once a year. Gross rate interest is the interest payable without taking account of any tax payable. Credit interest is calculated daily on the cleared credit balance in your account. From 6th April 2016 we no longer deduct tax from any interest earned, following the introduction of a Personal Savings Allowance. If you earn interest over your Personal Savings Allowance you will be required to pay any tax due directly to HM Revenue and Customs. Please visit www.gov.uk (opens in a new window) for more information.