What is the official website of the payment service?
https://secure.ybonline.co.uk
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Where can I find the customer support contacts?
Customer support contacts can be found on the Yorkshire Bank official contact us page on their website.
What is the hotline phone number?
0800 456 1247
Is there a toll-free support number?
Yes, toll-free support numbers are available such as 0800 456 1247 for general customer service.
What is the email address for technical support?
[email protected] (Business customer support email)
Are there separate emails for different types of inquiries?
Yes, different emails exist such as [email protected] for business and specific numbers/emails for lost/stolen cards and other queries.
Where can I find the online chat support?
No verified dedicated online chat support found for Yorkshire Bank, general contact is mainly via phone and email.
Does the chat support work 24/7?
Not applicable as dedicated chat support is not verified.
Is there support through messengers (Telegram, WhatsApp)?
No verified information available on messenger support.
What are the support working hours?
8 AM – 8 PM Monday to Saturday, Sunday 10 AM – 5 PM for general telephone support.
Does support work on weekends and holidays?
Yes, support works on weekends with shorter hours; some services may be limited on holidays.
Are there regional offices for in-person visits?
Yes, Yorkshire Bank has physical branches and a Central Customer Service Centre.
Where are the physical offices located?
Central Customer Service Centre, McIntosh House, Foxbridge Way, Normanton, West Yorkshire, WF6 1TN.
Can I schedule a personal meeting?
Personal meetings may be scheduled by contacting regional offices or specific branches.
Are there representatives in different countries?
No verified information about international representatives outside the UK.
In which languages is support available?
English is the primary support language.
How quickly does support respond to requests?
Typically same-day response for phone inquiries during working hours; email may take longer.
Is there a priority system for VIP clients?
No verified information about VIP customer priority support.
Can I request a callback?
Callback options may be available via phone support but no specific verified program detailed.
When was the payment service founded?
Yorkshire Bank was founded in 1859 (origin as a bank servicing Yorkshire region).
Who is the founder and owner of the service?
Originally independent; now part of Virgin Money UK PLC, ownership details under Virgin Money Group.
In which country is the company registered?
United Kingdom.
What is the development history of the payment service?
Started as Yorkshire Bank, merged and acquired over time, integrated into Virgin Money; adopted digital banking services gradually.
Have there been major updates or rebranding?
Yes, rebranded following acquisition by Virgin Money, transitioning internet banking to Virgin Money platform.
Who sits on the company's board of directors?
Board of Virgin Money UK PLC includes executives and non-executive directors (specific Yorkshire Bank board no longer separate).
Are there investors or partners in the service?
Virgin Money is publicly listed with institutional investors; partners include Worldpay for merchant services.
Does the company participate in stock trading?
Yes, Virgin Money UK PLC is a publicly traded company on the London Stock Exchange.
What is the company's market capitalization?
Variable; depends on Virgin Money UK PLC market valuation on stock exchange.
Are there subsidiary companies or branches?
Yorkshire Bank operates as a brand under Virgin Money; no independent subsidiaries.
What licenses does the payment service have?
Regulated under UK Financial Conduct Authority (FCA) as a bank and payment institution.
In which jurisdictions does the service operate officially?
United Kingdom.
Are there licenses for cryptocurrency operations?
No verified information on cryptocurrency-specific licenses for Yorkshire Bank.
Does the service comply with AML/KYC requirements?
Yes, complies with UK AML and KYC regulations as a licensed bank.
Are there security certificates (PCI DSS, etc.)?
Payment processing partners like Worldpay have PCI DSS certification; bank-level security applies.
Has the service undergone security audits?
Regular security audits are standard practice, but no public detailed reports found.
Is there insurance for client funds?
Yes, client deposits protected under the UK Financial Services Compensation Scheme (FSCS) up to £85,000.
Which international standards does it comply with?
PCI DSS for card payment processing partners; UK banking regulations; GDPR for data protection.
Have there been any regulatory fines or violations?
No publicly reported significant fines or violations for Yorkshire Bank/Virgin Money.
Where can I find real reviews about the service?
Reviews available on Trustpilot, Google Reviews, and financial forums.
What are the main user complaints?
Delays and difficulties during digital migration, customer service wait times, and account access issues.
What do users most often praise the service for?
Friendly branch staff, competitive savings rates, and local banking presence.
Are there issues with fund withdrawals?
No widespread reported fund withdrawal issues; standard banking processing times apply.
Is the interface convenient according to users?
Users have mixed feedback about the online platform usability during recent changes.
Are clients satisfied with transaction speed?
Faster Payments and CHAPS provide prompt transaction processing in line with industry standards.
Do users recommend this service?
Many local customers recommend it for personal banking; mixed for business customers.
How do experts assess the service's reliability?
Experts consider Yorkshire Bank reliable as part of Virgin Money with robust banking infrastructure.
Are there industry awards and recognitions?
No specific recent awards publicly highlighted.
Does the service participate in payment system rankings?
No public participation in top-tier payment system ranking lists under Yorkshire Bank branding.
Are there recommendations from financial regulators?
Fully regulated and authorized by FCA and PRA with no records of non-compliance warnings.
What reputation does the service have among partners?
Partner feedback is positive, especially relationship with Worldpay for merchant services.
How do they evaluate solution innovation?
Digital transformation ongoing with Virgin Money integration, rated as moderate innovator in UK banking.
Are there quality service certificates?
Holds necessary UK banking and payment service certifications.
Does the company participate in industry conferences?
Virgin Money representatives participate in UK and financial services industry events.
How does the service position itself in the market?
Positioned as a customer-focused regional bank integrated with Virgin Money digital banking services.
Which fiat currencies does the service support?
Primarily British Pounds Sterling (GBP).
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not supported for payments or accounts.
Can currencies be converted within the service?
Currency conversion for international payments may be available via partner services, not a primary feature.
What exchange rates are used for conversion?
Market competitive exchange rates as provided by payment processors.
How often are exchange rates updated?
Exchange rates update in real-time or daily depending on payment partner.
Can exotic currencies be handled?
No verified support for exotic currencies; GBP-focused.
Are there currency restrictions in different countries?
Standard UK banking and international payment geographical restrictions apply.
What types of transfers does the service support?
Faster Payments, CHAPS, Standing Orders, Direct Debits, and Bacs for UK payments.
Can transfers be made between service users?
Yes, through Faster Payments and internal transfers.
Are transfers to bank cards supported?
No verified card-to-card transfers; bank account transfers are standard.
Can money be transferred to bank accounts?
Yes, both domestic UK bank accounts via Faster Payments and CHAPS.
Is bill payment available?
Yes, bill payments via Direct Debit and Standing Orders.
Are recurring payments supported?
Yes, Standing Orders and Direct Debits enable recurring payments.
Can automatic transfers be set up?
Yes, through online banking for Standing Orders.
Is payment scheduling available?
Yes, scheduling payments in advance is supported.
Are group payments supported?
No specific group payment feature verified.
Can payment links be created?
No verified payment link creation by Yorkshire Bank itself; may be available through merchant partners.
What are the minimum transaction amounts in the service?
No publicly specified minimums; subject to account terms.
What are the maximum amounts that can be transferred?
Subject to Faster Payments limits (up to £250,000 typically) and CHAPS (higher values but limited by cut-off times).
Are there daily limits on operations?
Yes, subject to account type and service limits to prevent fraud.
What monthly and annual limits are in effect?
Depends on account and customer verification levels.
Can limits be increased? How?
Limits can typically be increased by request and verification with customer support.
Do limits differ for verified users?
Yes, verified users often have higher transaction limits.
Are there restrictions for new accounts?
Newly opened accounts may have lower limits initially.
Do special limits apply in different countries?
Mainly applies to UK accounts; no international limits under Yorkshire Bank brand.
Can operations be temporarily blocked?
Yes, for security, fraud suspicion, or regulatory reasons.
Are there limits on the number of daily operations?
Limits may be applied to number of transactions daily for security.
What are the minimum amounts for account funding?
No specific minimum for deposits; depends on account type.
What methods of funding are supported?
Faster Payments, Standing Orders, CHAPS, cash (in branch for some), cheque deposits.
Are there fees for funding?
Generally no deposit fees for most methods.
What are the minimum funding amounts?
Not publicly specified; typical bank minimums apply.
How quickly are funds credited when funding?
Faster Payments credited usually same or next working day; cash immediate in branch.
How can money be withdrawn from the system?
ATM withdrawals, in-branch cash, CHAPS, Faster Payments transfers.
Are there fees for fund withdrawal?
Generally no fees for standard withdrawals.
How long does withdrawal take?
Immediate at ATM or branch; transfers depend on type (Faster Payments next working day, CHAPS same day if before cut-off).
What withdrawal limits are set?
Limits depend on account type and security profile.
How quickly are funds credited when funding with a card?
Card funding likely immediate or same day if supported (limited info).
How long does a bank transfer take?
Faster Payments generally same day or next working day; CHAPS same day if before cut-off.
How quickly do cryptocurrency transfers arrive?
Not applicable, cryptocurrency transfers not supported.
Are transfers between users instant?
Internal transfers and Faster Payments are near instant or same day.
Are there delays when funding on weekends?
Funding through Faster Payments may be delayed till next working day.
Do holidays affect funding speed?
Yes, payments may be delayed on UK bank holidays.
Can crediting be accelerated for a fee?
CHAPS payments are same day for urgent payments; may incur fees.
What determines the speed of funding processing?
Transfer type, cut-off time, receiving bank processing.
Are there notifications about funding status?
Notifications available via online banking or SMS alerts if set up.
What to do if funding takes too long?
Contact customer support to investigate delayed payments.
How quickly are withdrawal requests processed?
Usually immediate to same day depending on method.
How long does card withdrawal take?
Withdrawals at ATM or point of sale are immediate.
How quickly do bank transfers arrive?
Faster Payments same or next working day; CHAPS same day if before cut-off.
Are cryptocurrency withdrawals instant?
Not supported.
Are there withdrawal delays on weekends?
Yes, banking transfers generally do not process on weekends.
Do holidays affect withdrawal speed?
Yes, holiday delays are common.
Can withdrawal be accelerated for an additional fee?
Same-day CHAPS transfers can be accelerated for a fee.
What determines withdrawal processing time?
Method chosen, banking infrastructure, time of request.
Are there notifications about withdrawal status?
Yes, online banking and SMS can notify withdrawal status.
Can a withdrawal request be canceled?
Canceling withdrawals depends on processing stage; often not possible after initiation.
How to register with the payment service?
Registration via online application or in branch with ID verification.
What data is needed to create an account?
Personal details, proof of identity, address verification, contact information.
Can registration be done without email?
Email is typically required for online registrations.
Is phone confirmation required during registration?
Phone number verification or confirmation is standard.
Are there age restrictions for registration?
Minimum age 18 years to hold an account.
Can a corporate account be created?
Yes, corporate/business accounts are available with additional documentation.
Is it required to provide real data?
Yes, real and verified personal information is mandatory under FCA regulations.
Are there country restrictions for registration?
Only UK residents typically allowed to open accounts.
How long does account activation take?
Usually same day to a few days depending on verification.
What verification levels exist?
Basic and enhanced KYC verification levels.
What documents are required for basic verification?
Identity document (passport or driving license), proof of address (utility bill or bank statement).
Are documents needed for full verification?
Yes, additional documents may be required for enhanced verification depending on product.
Are digital copies of documents accepted?
Digital uploads are generally accepted for online verification.
How long does the verification procedure take?
Verification can take from a few hours to a few days.
Can the service be used without verification?
Limited functionality available without full verification.
What restrictions apply to unverified users?
Lower transaction limits, inability to access certain services.
Is address confirmation required?
Yes, proof of address is standard requirement.
Is a selfie with documents required?
Possibly required for online identity verification purposes.
How often do documents need to be updated?
Typically every few years or upon regulatory request.
What encryption technologies does the service use?
Uses industry-standard TLS/SSL encryption for online services.
Is two-factor authentication supported?
Yes, 2FA is supported for online banking access.
Are there SMS confirmations for operations?
Yes, SMS verification messages are used for certain transactions.
Is biometric authentication supported?
Supported in mobile banking apps (fingerprint, face recognition).
Is blockchain technology used?
No verified use of blockchain technology in core payment systems.
Is there a multi-level security system?
Yes, layered security including firewalls, encryption, and authentication.
How is user personal data protected?
Complies with GDPR and UK data protection laws, employing encryption and access controls.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Yes, standard DDoS mitigation measures in place.
Are regular security audits conducted?
Yes, regular internal and external security audits are conducted.
What anti-phishing protection measures are provided?
Security alerts, education, and fraud detection to prevent phishing.
Is there a suspicious activity detection system?
Yes, real-time monitoring for fraudulent transactions.
How does the service combat money laundering?
AML compliance program, transaction monitoring, and customer due diligence.
Is there blocking of suspicious accounts?
Yes, suspicious accounts can be frozen or blocked pending investigation.
What to do when fraud is detected?
Contact customer service immediately and follow fraud reporting procedures.
How to report suspicious activity?
Via phone, email, or secure online channels with Yorkshire Bank.
Is there compensation for damage from fraudsters?
Protection under FSCS and bank fraud protection policies.
What user rights exist for disputed transactions?
Rights to dispute charges under UK financial regulations; chargeback procedures apply.
How to dispute account blocking?
Contact customer service with supporting evidence to resolve account issues.
Is there insurance against cyber attacks?
The bank maintains insurance policies covering cyber risks.
What fees does the service charge for transfers?
Faster Payments usually free; CHAPS incurs fees; Standing Orders and Direct Debits generally free.
Are there fees for account funding?
Usually no fees for incoming payments.
Are fees charged for fund withdrawal?
ATM withdrawals generally free; some transaction types or international withdrawals may incur fees.
Are there fees for currency conversion?
Currency conversion fees apply on international payments.
Are there fees for account inactivity?
No widely advertised inactivity fees.
Are there account maintenance fees?
Account fees vary by product; many personal accounts have no monthly fees.
Are fees charged for operation cancellation?
Usually no fees unless payment process is advanced.
Are there fees for expedited operations?
CHAPS payments may incur fees for faster processing.
Are there hidden fees?
Fees are disclosed in terms and conditions; no known undisclosed fees.
How are fees calculated for large amounts?
Larger transfers like CHAPS often have fixed or percentage fees.
Are there different tariff plans in the service?
Various account tariffs and fees for personal and business customers.
What advantages does VIP status provide?
No verified VIP service details.
How to get preferential conditions?
Typically through business banking relationship or premium accounts.
Are there free operations per month?
Some accounts offer free transactions within monthly allowances.
Are there discounts for active users?
No publicly disclosed discount programs.
Are there corporate tariffs?
Business accounts have specific tariff plans.
Can individual conditions be obtained?
Possible on negotiated basis for business clients.
Do promotional codes work for fee reduction?
Not commonly available.
Are there cashback programs?
Not typically offered by Yorkshire Bank.
Are there discounts for transaction volumes?
Business customers may negotiate based on volume.
Is there an official mobile application?
Yes, Yorkshire Bank customers use Virgin Money mobile banking app.
On which platforms is the application available?
iOS and Android.
What functions are available in the mobile application?
Account management, payments, transfers, card control, notifications.
Does functionality differ from the web version?
Generally aligned but mobile apps offer additional biometric login.
Is Touch ID/Face ID supported?
Yes, supported within mobile app.
Can the application work offline?
Limited offline functionality; mostly requires internet.
Are there push notifications about operations?
Yes, configurable push notifications available.
Is dark theme supported?
Yes, dark mode is available on app.
How often is the mobile application updated?
Periodic updates several times a year.
Are there beta versions of the application?
No verified public beta program.
Is the web interface of the service convenient?
User feedback is mixed; interface is functional with ongoing improvements.
Is responsive design supported?
Yes, web interface is mobile-responsive.
In which languages is the interface available?
English.
Is there a night mode for the website?
No confirmed night mode.
Are hotkeys supported?
No public information on keyboard shortcuts.
Can data be exported?
Some account statements and transaction data export available.
Is there an API for developers?
No public API offered to third parties.
Is integration with other services supported?
Integration mainly through Virgin Money ecosystem.
How often is the web interface updated?
Updates occur periodically with Virgin Money platform changes.
Are there virtual cards in the service?
No specific virtual card product under Yorkshire Bank.
Can disposable cards be created?
Not available.
Is multi-currency account functionality supported?
Not supported.
Are there investment products?
Investments are offered under Virgin Money branding, not specifically by Yorkshire Bank.
Can interest be earned on balance?
Yes, interest on savings products is available.
Are there credit products?
Mortgages, loans, and credit cards available through Virgin Money.
Is P2P trading supported?
Not supported.
Can cryptocurrencies be bought/sold?
Not supported.
Is there acquiring for business?
Merchant services provided via partnership with Worldpay.
Are mass payouts supported?
Not verified.
Is there a loyalty program in the service?
No dedicated loyalty program found.
How are bonus points earned?
Not applicable.
Are there referral programs?
Not publicly promoted.
What privileges do VIP clients have?
No information available.
Are there seasonal promotions and offers?
Typical bank promotions may apply occasionally.
Can premium status be obtained?
Through Virgin Money premium accounts.
Are there partner discounts?
No specific partner discounts advertised.
Are there corporate loyalty programs?
No information found.
Does the service allow operations with online casinos?
No specific accommodations; gambling transactions subject to regulatory compliance.
Are there restrictions on gambling transactions?
Gambling transactions may be flagged or limited for compliance.
Can accounts be blocked for casino play?
Yes, accounts may be blocked for suspicious gambling activity.
How does the service view gambling?
Gambling transactions are regulated and monitored under AML policies.
Are there special conditions for gambling?
No special terms publicly available.
Are casino transactions tracked?
Yes, monitored for compliance and fraud prevention.
Can operations with gambling sites be hidden?
No, transactions are visible in statements.
Are there notifications about gambling expenses?
No dedicated notifications known.
Are there special fees for gambling operations?
Standard transaction fees apply, no extra fees disclosed.
Can limits be set on gambling?
No specific user-set gambling limits available.
Is there a self-exclusion function?
Not by the bank directly; customers must seek gambling support separately.
Can access to gambling sites be restricted?
No bank-level blocking for gambling sites.
Is gambling expense control supported?
No specific tools for gambling control.
Can operations with casinos be blocked?
Possible under fraud or compliance alerts.
Can help be obtained for gambling addiction?
Customers advised to seek external help.
Is there partnership with player assistance organizations?
Not publicly known.
How to set up gambling expense notifications?
Not available.
Which online casinos accept this payment method?
Standard debit card payments accepted broadly.
Do conditions differ when used in different casinos?
No information.
Can the method be used for both deposits and withdrawals in casinos?
For deposits, yes; withdrawals depend on casino policies.
Are there geographic restrictions for casino usage?
Subject to UK regulations.
How do casino operators typically process transactions from this method?
As standard debit card or bank transfers.
Are there typical processing times when used with casinos?
Near instant for deposits; withdrawal times vary.
Do casinos usually charge additional fees for this method?
Usually no additional fees from casinos.
Are there any known compatibility issues with major casino platforms?
No known issues reported.