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Readycash Current Account

For all your basic banking needs

Compare our accounts

Current Account switch guarantee Moneyfacts Award 2017

Find out for yourself why we are the country's best current account provider. You get a feature-packed account supported by 24/7 customer service[1].

Readycash is our basic bank account for customers aged 16 years and over and not eligible for one of our standard Current Accounts. It may also be available for customers whose personal circumstances make it difficult to manage their finances, or who are experiencing financial difficulties - if this is the case, please phone one of our advisors or visit your local branch. There are no fees or charges for everyday transactions.

Readycash lets you pay for goods and services with your debit card. If you need cash or access to your account, simply use any of our cash machines – or pop into a Clydesdale Bank branch or Post Office. You’ll also be able to manage your account easily with monthly statements, mobile and online and telephone banking.

Readycash doesn’t allow overdrafts, so requests for unplanned borrowing will usually be declined. The account does not come with a cheque book, does not pay credit interest and the debit card is not contactless.

[1]These services may be temporarily unavailable due to periods of routine maintenance. Calls may be recorded or monitored for your security.

What you get

24/7 access[1]

Telephone, mobile and internet banking.

Debit Card

You can pay for goods and services in person, by phone, online and abroad (subject to available funds).

Find out more about using your card abroad.

(Additional charges may apply when using your card abroad.)

Up to £350 cash withdrawal a day

At any cash machine in the UK, or any cash machine abroad (Subject to available funds. Additional charges may apply when using your card abroad.)

Pay your bills

Using telephone, mobile and internet banking. You can also set up Direct Debits and standing orders for your regular bills

You can cancel your agreement with us within 14 days of opening your account by contacting us in branch, by phone or in writing. Please check terms and conditions for more information.

Contact us

Eligibility

Readycash accounts cannot be applied for directly. If you apply for one of our standard Current Accounts and you're not eligible, we'll let you know at the end of the application and offer you a Readycash account (if appropriate).

  • You must be 16 years old or over,
  • You don’t qualify for one of our standard Current Accounts or,
  • You are in financial difficulty

Contact Us

To speak to an advisor, please contact us by phone or in branch.

0800 678 1230

Or if you're abroad / Outside UK

+44 141 952 4068

  • We're here
  • Mon-Fri 8am - 8pm
  • Sat 9am - 5pm
  • Sun 10am - 5pm

For your security calls may be monitored or recorded.

Current Account Switch Guarantee

Current Account switch guarantee

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

  • The service is free to use and you can choose and agree your switch date with us
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • Crystal Mark 20785 If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

For more information go to www.currentaccountswitch.co.uk (opens in a new window)

What if our old bank does not use the Current Account Switch Service?

Can I still switch to you?

Not all banks or building socities in the UK offer the Current Account Switch Service (CASS). We can still help you switch your account and any regular payments to us when we are unable to use CASS.

As your new bank we will take care of everything, managing the switch process from start to finish. This service is completely free; however it isn't covered by the Current Account Switch Guarantee.

Once you have opened an account with us, we will ask you to complete a simple form and then we'll contact your old bank or building society within two business days to request a list of all your regular payments and regular credits received into your account for the last 13 months. Your old bank or building society should send us this information within five business days.

Once we receive the information from your old bank or building society we will arrange for any Standing Orders, Direct Debits and any regular credits made to your account to be transferred to your new account with us within five business days. We will contact you to agree a date to complete the switch.

The Payment Transfer Service

  • Our Payment Transfer Service could be the answer if you’re not eligible for the Current Account Switch Service, or don’t want to use it
  • With this service you can transfer your Direct Debits and standing orders from your old account to your new account over a three month period – either all on the same date or at different times
  • With the Payment Transfer Service your old account won’t be closed and we won’t tell anyone who makes payments to your old account what your new account details are
  • The Payment Transfer Service isn’t covered by the Current Account Switch Guarantee. However it’s available to all customers and for more types of current account.

Important information

Be prepared for an easy switch

Before you start
Is your address correct?

Make sure your old bank has your current address. Let them know if you’ve moved house or you’re now living in student term-time accommodation. If any of your address details are out of date, we will not be able to make the switch until you’ve updated them.

Have you changed your name?

If you’re recently married or have changed your name for any other reason, please make sure your old bank has updated your personal details.

Correct date of birth?

Check that your old bank holds your correct date of birth.

Current account?

To switch to one of our current accounts, make sure the account you’re switching from is a current account.

Time to switch

Have you got the right documents?

You will need to have the following available when you’re ready to switch:

  • A copy of a recent bank statement for your old account.
  • The debit card for your old account.
  • Your passport, driving licence or another official document with your date of birth on it.

We will also ask you for:

  • your full name, including your middle name if you have one;
  • your date of birth;
  • your nationality;
  • your current address; and
  • your old debit card expiry date and PAN number - this is the long 16-digit number on the front of your card.
Ask a question

Get in touch if you have any other questions about switching.

Call 0800 345 7365
Monday to Friday 8.00am - 8.00pm,
Saturday 9.00am - 5.00pm,
Sunday 10.00am - 4.00pm.

Prefer to talk to us?

Call us to speak to an advisor or apply for a current account by phone

0800 678 1230

Or if you're abroad / Outside UK

+44 141 952 6827

We're here
Mon-Fri 8am - 8pm, Sat 9am - 5pm, Sun 10am - 5pm

For your security calls may be monitored or recorded.

Branch locator

Find your nearest Clydesdale Bank branch, Business and Private Banking centre or ATM

Branch locator

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You can find impartial information and guidance on money matters on the “Money advice service” website.
Clydesdale Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.