Skip to content Go to accessibility help
We use cookies to keep our websites easy to use and relevant to our users' requirements and to enable us to learn which advertisements bring users to our website. We do NOT use cookies to collect any personal information about you. By continuing to browse our web pages, you agree that we may use cookies for these purposes. Find out more.×

A current account and instant savings account that work beautifully together in a super-smart app.

Online applicants must be 18 years or over. Applicants aged 16-17 should call 0800 121 7365 or visit a branch. Subject to status and eligibility.

Compare all our current accounts

Fantastic account features

  • No monthly account fee (other fees may apply)
  • On your B Instant Savings account you can look forward to 0.50% AER[1], (0.50% gross[2] p.a. variable) paid quarterly on all credit balances
  • B current account works with Apple Pay and Android Pay
  • A grace period of 2 working days per calendar month if you go overdrawn
  • 0.25% AER (0.25% gross p.a variable) on credit balances up to £2,000. Credit interest is worked out daily on the cleared credit balance and credited to accounts on the last working day of each month

Apply online for B(Link opens in a new tab)

[1] AER. Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

[2] Gross rate interest is the interest payable without taking account of any tax payable. From 6th April 2016 we no longer deduct tax from the interest earned on your savings, 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 yourself directly to HM Revenue and Customs. If you would like to read more about your Personal Savings Allowance, please visit the government’s website www.gov.uk (link opens in a new window).

Grid of B images Moneyfacts Award 2017

Summary box

Account name B Instant Savings
What is the interest rate?
Balance Gross Rate (%) AER (%)
On all credit balances 0.50 0.50

Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter.

Can Clydesdale 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?
Initial deposit at account opening Balance after 12 months
£1,000 £1,005.00

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

The examples assume 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?

You may only open a B Instant Savings Account if you have a B Current Account with us in the same name(s). The B Instant Savings Account will remain open, provided the B Current Account is maintained as described in the Terms and Conditions.

The account can be opened in branch or online, www.youandb.co.uk, or call us on 0800 121 7365.

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

B 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.

Can I withdraw money? You may only withdraw funds by transfer to your B current account or any other account that we allow you to make a transfer into using internet/telephone banking/Bapp/Mobile Banking Service or in branch.
Additional Information

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.

The B app gives you power to...

  • Tag your transactions in different categories
  • Create and manage saving pots
  • Quickly see if your monthly spending is on track
  • View your statements online

Apply online for B(Link opens in a new tab)

B app on phone

Switching as simple as 1, 2, B!

Apply online and get your B account up and running

We'll ask you for details of the current account you want to switch to B

We'll move all your payment orders - in and out - from your old account to your new one

Current Account switch guarantee

It only takes 7 working days to switch your current account to B. So before you know it you could have current and instant savings accounts you can manage through a super-smart app. Even better, we’ll do all the leg work to transfer your account.

Ready to explore what B Current and Instant Savings can do?

  • Smart budgeting
  • Saving made simple
  • Know your spending better

Apply online for B(Link opens in a new tab)