What makes us better?

We’re a building society, also known as a mutual. That means we’re owned by you, our members. We don’t have shareholders, so you don’t need to split the profits with them. It means we can offer better products and services.

We reward your loyalty

Been a savings or mortgage member for over a year? You could get exclusive savings rates.

Been a savings member for over a year but don’t have a mortgage yet? You could get an exclusive mortgage deal.

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Not a member yet?

All you need to do is open a savings account or mortgage with us.

Your money your way

Manage your money online

Through our website or savings app, whenever suits you.

Real people, real help

Need a friendly face? We’ve got over 200 face-to-face locations. And if you can’t come to us, you can phone our UK call centre.
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Have your say

Join our online research community

We love to hear from you, so we can make things better.

Vote in our Annual General Meeting (AGM)

Our voting members get a say in who our directors are and more.

In the community

teacher and a pupil in the classroom

Teaching about money

We help young people get the best start by learning about money and careers.
citizens advice and YBS logos

Access to Citizens Advice

We have advisers from Citizens Advice in 45 of our branches. You don’t have to be a member to book an appointment.
two charity workers sharing a joke

Supporting charities

We have our own foundation as well as a charity partner.
 
attractive riverside properties

Caring for the environment

We’re working hard to reduce our carbon footprint and we’re committed to Net Zero by 2050.

 

YBS Group average savings rate compared to Rest of Market average rates. Data Source: CACI’s Current Account & Savings Database (CSDB), Stock. Data period January – December 2023.