Manage Yorkshire Building Society Accounts Without Taking the Wrong Route
Yorkshire Building Society customers may need to recover an online customer number, register the YBS app, move savings, transfer a Cash ISA, switch a mortgage deal, report a lost device or arrange bereavement and attorney access.
This independent guide brings those tasks into one practical page. It explains the official route, what to prepare, which limits or restrictions matter and when a branch or telephone call is safer than another online attempt.
online.ybs.co.uk
More than 200 branches and agencies.
106085.
Stop the transaction or conversation. Call 0345 910 1112 for a lost or stolen card or an online-account lockout. If a phone containing the YBS app is missing, also contact online support on 0345 1200 805.
What do you need to do with Yorkshire Building Society?
Choose the task that most closely matches your situation. The helper runs only in your browser and does not save or transmit the selection.
Do not type financial information, security answers or personal circumstances into this selector.
Separate an outage, forgotten detail, app reset and locked account before taking action.
Open digital guidanceCheck the exact account issue, access terms and payment route.
Manage savingsUse formal transfer instructions and check whether the account is flexible.
Open ISA guidanceCompare total cost, deal timing, charges and affordability.
Open mortgage guidanceStop the activity, call through a verified number and preserve evidence.
Open security guidancePrepare the correct documents and use the relevant specialist team.
Open specialist supportWhat Yorkshire Building Society offers
Yorkshire Building Society is a UK mutual building society offering savings accounts, Cash ISAs, children’s savings, residential mortgages and related member services. It is owned by its members rather than external shareholders.
Customers can use online services, the YBS mobile app, telephone support and more than 200 branches and agencies. The best route depends on whether the account was opened online, in a branch, by telephone or by post.
Yorkshire Building Society was founded in 1864.
Savings, Cash ISAs, children’s accounts and residential mortgages.
Financial Services Register number 106085.
Yorkshire House, Yorkshire Drive, Bradford, BD5 8LJ.
What Yorkshire Building Society membership means
| Feature | Possible value | Important limitation |
|---|---|---|
| Member ownership | Members collectively own the Society rather than external shareholders. | An individual member does not control product prices or lending decisions. |
| Loyalty products | YBS can offer savings accounts restricted to qualifying existing members. | Loyalty eligibility and qualifying-account periods apply. |
| Voting | Eligible members may vote at the Annual General Meeting. | Qualifying dates, age and Society rules apply. |
| Face-to-face access | More than 200 branches and agencies provide local service options. | Agency services can be more limited than a full YBS branch. |
| Community purpose | YBS supports financial education, charities and local communities. | Community activity should not replace product-price comparisons. |
Choose the correct YBS service channel
| Member task | YBS app | Online account | Telephone | Branch or agency |
|---|---|---|---|---|
| View eligible savings balances | Available | Available | Available | Available |
| View mortgage balance | Available | Available | Available | Check service |
| Download monthly statements | Supported accounts | Supported accounts | Request support | Request support |
| Open another savings account | Most available accounts | Supported accounts | Product dependent | Branch products |
| Make an eligible online transfer | Supported | Supported | Account terms apply | Account terms apply |
| Manage mortgage details | Balance viewing | Main digital route | Available | Appointment may be needed |
| Register power of attorney | No | Download information | Specialist help | Registration route |
| Report a bereavement | No | Online form | Specialist team | Available |
| Unlock online access | Different app reset | Recovery options | Call when locked | Identification support |
Log in to your YBS online account safely
Try these checks before resetting everything
Recognise the public YBS online login journey
Log in to your accounts
Educational representation of the public first-step structure.
What the official first screen should help you do
Register for YBS online services or recover login details
YBS says customers who opened online are normally registered for online services automatically.
Use the official registration process once the account is available for digital registration.
You can register when the mortgage has started.
What registration normally requires
Choose the correct recovery route
| Problem | Correct starting point | When to call |
|---|---|---|
| Forgotten password | Use the official online password-reset tool. | Call if identity verification cannot be completed. |
| Forgotten customer number or username | Use YBS’s official customer-detail reminder service. | Call if the registered email or phone is inaccessible. |
| Online account locked | Stop repeated attempts. | Call 0345 910 1112. |
| Registered phone number is wrong | Do not repeatedly request automated calls. | Call 0345 1200 805 or visit a branch. |
| New account not available online | Confirm that account opening and identity checks are complete. | Call if it remains unavailable after the normal setup period. |
Set up and use the YBS app safely
What the YBS app can currently help with
Set up the app in practical steps
| Problem | What it means | Next action |
|---|---|---|
| Passcode entered incorrectly three times | Local app access has been locked. | Set up the app again using customer number and date of birth. |
| Face ID or fingerprint changed | The trusted biometric setup has changed. | Set up the app again. |
| New phone | The new device is not registered. | Complete app registration again on the new phone. |
| Phone stolen | Someone may have physical access to the trusted device. | Call 0345 1200 805 to deregister app access. |
| Text code does not arrive | The registered number or mobile signal may be the problem. | Verify the telephone number held by YBS. |
| Mortgage balance visible but no management option | The app provides balance viewing rather than full mortgage management. | Log in through the YBS website. |
Understand YBS automated security calls
YBS can use an automated telephone call to verify certain online changes. This makes the telephone numbers stored on the account an important part of online security.
Check that you can answer the telephone number registered with YBS.
Follow only the verification process connected to the action you personally initiated.
Do not approve anything. End the call and contact YBS through a verified number.
Choose Yorkshire Building Society savings by purpose and access
YBS offers easy-access accounts, limited-access products, fixed-rate bonds, Cash ISAs, regular savers, loyalty accounts and children’s savings. Each structure solves a different problem.
Move from savings goal to the correct account action
Emergency fund, regular deposits, fixed lump sum, tax-free saving or child savings.
Confirm AER, variable or fixed status, balance tiers and product issue.
Count withdrawal days, notice requirements and permitted service channels.
Understand maturity, closure, ISA transfer and withdrawal consequences.
| Your purpose | Account type to examine | Most important question | Main risk |
|---|---|---|---|
| Emergency fund | Easy access | Can money be withdrawn whenever needed? | The variable rate can fall. |
| Higher rate with occasional access | Limited access | How many withdrawal days are permitted? | Additional withdrawals may reduce the rate or close the account. |
| Lump sum not needed for a fixed period | Fixed-rate bond | Can the money remain untouched until maturity? | Early access may be unavailable. |
| Monthly savings habit | Regular saver | What are the monthly deposit and withdrawal rules? | Account conditions can reduce flexibility. |
| Tax-free cash savings | Cash ISA | Is the ISA flexible and transferable? | An ordinary withdrawal can affect ISA treatment. |
| Saving for a child | Children’s saver | Who legally owns and controls the money? | Money given to the child may no longer belong to the adult. |
Check an existing YBS savings account
Move money into or out of a YBS account carefully
Before paying money in
Current published Faster Payment limits
| Instruction route | Destination registered over 30 days | Destination registered 30 days or less | Important warning |
|---|---|---|---|
| Online | Up to £250,000 in one transaction | Up to £250,000 in one transaction | Review unusual or high-value payments with extra care. |
| Branch | Up to £25,000 | Up to £10,000 | Identification and account terms can apply. |
| Agency | Up to £25,000 | Up to £10,000 | Agency services can differ by location. |
| Telephone | Up to £25,000 | Up to £10,000 | Telephone instructions must be allowed by the account terms. |
| Post | Up to £25,000 | Check current accepted route | Postal times and signature checks apply. |
CHAPS payments
YBS currently restricts CHAPS to certain payments, including property completion, HMRC and another account in your own name.
A qualifying request made before midday on a working day can normally arrive the same day.
YBS currently lists a £23.50 CHAPS fee. Verify it before instructing payment.
Transfer or withdraw from a YBS Cash ISA correctly
Open or identify an eligible receiving Cash ISA and complete the formal transfer request.
Ask the new ISA provider to request the transfer using your 10-digit YBS account number.
Online customers can use Account Options, Manage ISA and Transfer a YBS ISA.
| Situation | Risk | Safer action |
|---|---|---|
| Moving to another provider | A normal withdrawal can remove money from the ISA wrapper. | Ask the receiving provider to complete a formal ISA transfer. |
| Transferring multiple YBS ISAs | One instruction may not cover every account. | Complete a separate form or online instruction for each ISA where required. |
| Easy-access YBS Cash ISA | Replacement rules are limited to the same tax year. | Confirm flexibility and replace eligible withdrawals before 5 April. |
| Limited-access Cash ISA | A transfer or withdrawal can count toward the access allowance. | Read the specific issue terms before requesting the transfer. |
| Fixed-rate Cash ISA | Early transfer or closure can cause an interest penalty. | Check the maturity date and early-access condition. |
| ISA maturity | Money can move to the published default maturity account. | Review and submit the maturity choice before the deadline. |
Act before a YBS fixed-rate account matures
Choose the right Yorkshire Building Society mortgage route
Mortgage decision path
First home, moving, remortgage, borrowing more, product switch or payment support.
Review income, essential spending, debts, deposit and likely future changes.
Include the rate, product fee, valuation, legal costs, cashback and ERC.
Retain the offer, effective date, payment amount and product conditions.
Review deposit options, buying costs, affordability and a Decision in Principle.
Check porting, additional borrowing and the timing of sale and purchase.
Compare the new deal after legal work, valuation, fees and the existing lender’s ERC.
Review switching, overpayment, redemption, borrowing-more and payment-support options.
Decision in Principle facts
Understand the YBS £5k Deposit Mortgage before applying
| Condition | Current published position | Why it matters |
|---|---|---|
| Buyer status | At least one joint applicant must qualify as a first-time buyer, and neither applicant can currently own a property. | Ownership history affects eligibility. |
| Minimum deposit | £5,000. | Buying costs must normally be funded separately. |
| Maximum property value | £500,000. | A higher purchase price is outside the product limit. |
| Maximum LTV | 99%. | Very high LTV increases negative-equity risk. |
| New builds | Not available for new-build houses or flats. | Property type is part of product eligibility. |
| Location | Not available in Northern Ireland. | The property must be within the supported lending area. |
| Age at term end | Applicants must currently be aged 70 or under at the end of the planned term. | Term length affects eligibility and affordability. |
Manage or switch an existing YBS mortgage
Call 0345 1200 822 for mortgage account enquiries.
Call 0345 166 9510.
Balance enquiries and some mortgage payments are available by telephone 24 hours a day.
Before switching the deal
| Route | Potential advantage | Important check |
|---|---|---|
| Switch to another YBS deal | May involve a simpler existing-customer process. | Rate, product fee, ERC and effective date. |
| Remain on a variable rate | Can provide flexibility. | Payment can change when the variable rate changes. |
| Remortgage to another lender | Provides access to the wider market. | Affordability, valuation, legal work, fees and completion timing. |
| Move home with the mortgage | May allow an existing rate to be ported. | Porting is not automatic and a new lending assessment applies. |
| Borrow more | Can fund an eligible major expense. | Affordability, loan-to-value and total interest over the mortgage term. |
Contact YBS early if mortgage payments are becoming difficult
Find a Yorkshire Building Society location without a wasted journey
YBS currently states that it has more than 200 branches and agencies. A full branch and an independent agency can provide different services, so open the individual location page before travelling.
Published UK service hours apply.
Yorkshire House
Yorkshire Drive
Bradford
BD5 8LJ
Protect a YBS account when something feels wrong
Call 0345 910 1112 for a lost or stolen card or online-account lock. Call 0345 1200 805 to deregister a lost phone or tablet from the YBS app.
Do not move savings because a caller claims the current account has been compromised.
Do not approve a change or payment that you did not initiate.
Do not install screen-sharing software because an unexpected caller requests it.
Deregister the device quickly and change any exposed phone or email security.
Do not click the link or attachment. Contact YBS through a verified number.
Call immediately with the amount, recipient, reference and time.
Information YBS says it will not normally request
Evidence to preserve
Register a bereavement or power of attorney with YBS
Tell YBS that a customer has died
Customer Service Centre
Yorkshire Building Society
Yorkshire House
Yorkshire Drive
Bradford
BD5 8LJ
Register power of attorney
Tell Yorkshire Building Society what support you need
Support needs can be temporary, permanent or related to a difficult life event. Explain the practical barrier rather than assuming that only one standard adjustment is available.
Ask about clearer explanations, slower speech or additional appointment time.
Request large print, Braille, audio or another appropriate format.
Explain when app, automated-call or online verification creates a barrier.
Ask to speak privately when another person controls your money or communications.
Understand the shared YBS Group FSCS limit
| Brand or holding | How it is treated | Practical effect |
|---|---|---|
| Yorkshire Building Society | Included under the YBS authorisation. | Count eligible YBS deposits toward the £120,000 total. |
| Chelsea Building Society | Trading name within the same protected total. | Add eligible Chelsea balances to eligible YBS balances. |
| Norwich & Peterborough | Trading name within the same protected total. | Add eligible N&P balances to the same total. |
| Accord offset-linked deposits | Relevant deposits are held with Yorkshire Building Society. | Include them when checking applicable YBS exposure. |
Two eligible holders can have a combined standard entitlement of up to £240,000, subject to their other covered holdings.
Additional protection may apply after certain qualifying life events for a limited period.
Individual, joint, trust, child, executor and business accounts can be treated differently.
Make a clear complaint to Yorkshire Building Society
| Stage | Published position | Your next action |
|---|---|---|
| Resolved quickly | YBS can send a summary resolution letter when resolved within four working days and accepted. | Keep the letter and check Ombudsman information. |
| Payment complaint | FCA rules can allow up to 35 days. | Provide requested payment evidence promptly. |
| Other complaint | YBS generally has up to eight weeks to issue a final response. | Review the response and supporting explanation. |
| Financial Ombudsman | The normal referral deadline is six months from the summary resolution or final response. | Do not miss the stated deadline. |
Understand common YBS savings and mortgage terms
| Term | Plain-English meaning | Why it matters |
|---|---|---|
| Customer number | A 10-digit number identifying your YBS online customer profile. | It is different from a product account number. |
| Account number | A 10-digit number identifying a particular YBS account. | It can be required as a roll number or payment reference. |
| AER | Annual Equivalent Rate showing an annualised savings return. | It helps compare accounts paying interest at different intervals. |
| Gross rate | Interest before personal tax treatment. | Tax responsibility depends on the saver and account type. |
| Flexible ISA | An ISA allowing eligible withdrawals to be replaced within the same tax year. | Replacement timing affects the ISA allowance. |
| Limited access | An account allowing withdrawals only on a set number of days or under specific rules. | Extra access can reduce interest or close the account. |
| Maturity | The date a fixed savings or mortgage product ends. | A default account or rate can apply afterwards. |
| LTV | Loan-to-value: mortgage debt compared with property value. | It affects mortgage pricing and negative-equity risk. |
| ERC | Early Repayment Charge. | It can apply when switching, redeeming or overpaying. |
| Product transfer | Moving to another mortgage deal with YBS. | It differs from remortgaging to another lender. |
| Porting | Applying to move an existing mortgage product to another property. | Porting is subject to a new lending and property assessment. |
| Decision in Principle | An initial assessment of whether YBS may lend and approximately how much. | It is not a final mortgage offer. |
What to do next in common YBS situations
- Open the login through ybs.co.uk.
- Try a private browser window.
- Clear cookies and cache.
- Use the official recovery tool.
- Stop before repeated attempts lock access.
- Install the official YBS app.
- Enter customer number and date of birth.
- Receive the unique code.
- Choose biometric or passcode access.
- Call if the registered number is unavailable.
- Check the opening date.
- Review the seven-day new-account restriction.
- Check the account’s access terms.
- Confirm identity checks are complete.
- Call 0345 1200 805 if the restriction remains.
- Choose the receiving ISA.
- Check withdrawal penalties.
- Use the formal transfer process.
- Do not close the old ISA manually.
- Keep the transfer reference.
- Find the end date and balance.
- Check the ERC.
- Compare YBS switching and wider-market options.
- Compare total cost after fees.
- Confirm the new effective date.
- End contact immediately.
- Call YBS through a verified number.
- Provide the payment details.
- Preserve all messages and numbers.
- Change exposed security information safely.
Official Yorkshire Building Society resources
| Resource | Use it for | Official link |
|---|---|---|
| YBS homepage | Current notices, products and official navigation. | Open YBS |
| Online account | Official secure account login. | Log in |
| Online registration | Register eligible savings and mortgage accounts. | Register |
| Login help | Recover password, username or customer number. | Open login help |
| YBS app | App features, setup, requirements and downloads. | Open app guide |
| Savings accounts | Compare easy-access, limited-access, fixed, ISA and children’s products. | Compare savings |
| Payment guidance | Faster Payments, transfers, CHAPS and account references. | Open payment help |
| ISA transfers | Transfer Cash ISAs without a manual withdrawal. | Open ISA guidance |
| Mortgages | Find deals, calculators and new-application guidance. | Explore mortgages |
| Existing mortgages | Statements, redemption, changes and account management. | Manage mortgage |
| Branch finder | Current location, opening times and service information. | Find a location |
| Security | Online protection, app-device loss and security concerns. | Security guidance |
| Bereavement | Notify YBS and understand estate next steps. | Bereavement help |
| Power of attorney | Register authority and prepare identity documents. | Attorney guidance |
| Complaints | Submit and escalate a formal complaint. | Complaint process |
| FSCS | Check shared protection across YBS Group brands. | YBS FSCS guidance |
Yorkshire Building Society questions answered
What is the official Yorkshire Building Society login page?
Use online.ybs.co.uk. The public first step asks for a customer number or username.
Is my customer number the same as my YBS account number?
No. Both may have 10 digits, but the customer number identifies your online profile and the account number identifies a particular savings or mortgage account.
How do I register for online access?
Use YBS’s official registration page. You normally need a 10-digit account number, access to the registered telephone number or email address, and you must be aged 16 or over.
How do I unlock my YBS online account?
Stop repeated attempts and call 0345 910 1112 when the account has been locked.
What is the YBS online-support number?
Call 0345 1200 805 for online account and app enquiries.
Can I use the YBS app on two devices?
No. YBS currently states that its app can be registered on one device at a time.
What do I need to set up the YBS app?
You need online registration, your customer number, date of birth and access to the registered telephone number for the unique verification code.
What happens after three incorrect app passcodes?
YBS says you must set up the app again using the customer number and date of birth.
What is the Yorkshire Building Society savings number?
Call 0345 1200 100 for branch or postal savings enquiries, or 0345 1200 805 for online savings enquiries.
How do I pay into a YBS savings account?
Check the exact account terms and official payment details. Your 10-digit YBS account number may need to be entered as the building-society reference or roll number.
Can I cancel a Faster Payment after sending it?
No. YBS states that Faster Payments cannot normally be stopped after they are sent.
How do I transfer a Cash ISA to YBS?
Use the formal ISA-transfer process. Online customers can use Account Options, Manage ISA and Transfer a YBS ISA. Other customers can complete the appropriate transfer form.
Are YBS easy-access Cash ISAs flexible?
YBS currently says all its easy-access Cash ISAs are flexible. Eligible withdrawals can be replaced during the same tax year without using additional ISA allowance.
What is the Yorkshire Building Society mortgage number?
Existing mortgage customers can call 0345 1200 822. New mortgage customers can call 0345 1200 200.
Who do I contact to switch my YBS mortgage deal?
Call 0345 166 9510 for switching or moving-home enquiries.
Who do I contact about mortgage arrears?
Call 0800 138 2402 as early as possible.
What is the YBS lost-card number?
Call 0345 910 1112. The line is available 24 hours a day for lost or stolen cards.
How many YBS branches and agencies are there?
Yorkshire Building Society currently states that it has more than 200 branches and agencies.
How do I report a bereavement?
Use the online form, visit a branch or call 0345 166 9229.
How do I register power of attorney?
Complete the YBS form and register in a branch or by post with the legal authority and required identity documents.
How much FSCS protection applies?
Eligible deposits are generally protected up to £120,000 per eligible person across YBS, Chelsea and Norwich & Peterborough combined.
How do I complain to YBS?
Use the official online form, call 0800 056 5252 or visit a branch. Keep the response for any Financial Ombudsman referral.
How this independent YBS guide was checked
This article was rebuilt around official Yorkshire Building Society pages and real member tasks rather than copied product summaries.