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B is available for anyone from the age of 16. If you want to apply online, you’ll need to be at least 18. A compatible smartphone or tablet is required to access all of B’s features. T&Cs apply. Subject to status and eligibility. Other fees may apply from account opening.
B is a current account, instant savings account and app that could change how you think about and manage your money. The B app can make managing everyday money simple, rewarding and has been built entirely around you.
B gives you the tools to manage your current and future money with us. The app learns as you use the B Accounts. It looks ahead to warn you and helps you avoid any surprises. It helps you save for anything you want and constantly supports you with interesting facts about your spending to help you understand your habits better. It’s super-easy and supersmart.
There’s no monthly fee for B. Other fees may apply from account opening.
|Account name||B Instant Savings|
|What is the interest rate?||
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?||
This is only an example and does not take into account your individual circumstances.
The examples assume that:
|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.
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.|
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.
B comes with a current account and instant savings account that work together within one super-smart app. So, whether you're using your mobile or tablet you can pay, spend and save wherever you are, whenever you like.
B has been designed with the user at its heart to help make looking after your money effortless and intuitive. The app is full of simple to use tools to help you take control of your money, so you always know exactly what's what. To use the B app, you’ll need a compatible tablet and smartphone. Don’t forget, you’ll need both to access all the super functions.
Please note, the 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 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 website.
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