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Helping you to understand savings

Whatever you’re saving for and whatever type of saver you might be, Skipton can help you to create a savings plan that achieves a balance of access and interest rates. We are committed to giving you the opportunity to think clearly about saving, explore the right options and find the right blend of savings accounts for you.

What you’re saving for will indicate which savings products are best suited to achieving your goals. Here at Skipton, there are plenty of choices to consider and we can help find the best option for you, so that your money and your future are in safe hands.

Understanding the types of accounts

When saving, the secret to getting what you want is taking a balanced approach. The four main savings options below offer different levels of access and interest, which we can help you to weigh up in order to best achieve your goals.

Whatever you choose, you should make sure you have an easy access emergency fund in case the unexpected happens.

Easy Access

Great for you if:

you need access to your savings at any time.

Easy access savings accounts are all about ensuring your savings are available whenever you need them.

There are no withdrawal restrictions so you can access your money when you need and you can usually make as many payments as you like up to the maximum balance.

Easy Access accounts

Tax free

Great for you if:

you are a taxpayer and haven't yet utilised your tax free allowance.

Individual Savings Accounts (ISAs) stop the taxman from eating into your savings.

They actually protect your savings from not only Personal Income Tax but Capital Gains Tax too. Provided your money is in an ISA, you do not need to declare your interest on your tax return.

ISAs are available as easy access and fixed term cash ISAs and while you can always access your money, fixed term cash ISAs come with an interest penalty for early closure.

ISA accounts

Fixed Term

Great for you if:

you can put your money away for longer and want the security of a fixed rate.

If you can put your money away for longer and want the security of a guaranteed rate of interest on your savings, our longer term savings options, such as fixed rate bonds could be for you.

There is usually a choice of terms to suit what you would like, and while your money will not be able to be withdrawn for the full term of the investment, you will enjoy a healthy fixed interest rate in return.

Fixed Term accounts

Limited Access

Great for you if:

you don't need immediate access to your money, so you're happy to give notice to benefit from a higher rate of interest.

If you don't need immediate access to your money you may want to consider our limited access savings options and in return benefit from a higher rate of interest than our easy access accounts.

If you need access to your money, you just have to give the agreed amount of notice to withdraw your funds.

Limited Access accounts

Want to talk about investing?

Want to talk about investing?

Investing money is one way you can achieve potentially greater returns than other types of saving if you’re willing to accept some risk to your capital. They can be a riskier option, as the value of investments can go down as well as up. Before you invest you should ensure you have sufficient funds for your short and medium term goals in easy access savings accounts. If you’re interested in investing or reviewing your current portfolio, you can meet face-to-face with a Skipton Financial Adviser at your local branch.

Stock market-based investments are not like building society savings accounts as your capital is at risk and you may get back less than you invested. The value of your investments and any income from them may fall as well as rise.

Managing your account

After considering the types of savings accounts we offer and how they might fit together the next thing to think about is how you want to open and manage your account. Below are the main channels that we provide. Post is also an option to open some accounts. Please see specific product pages for further information.


If you are over 16 years of age and you would prefer to open and manage your account online, some of our accounts allow you to do this. It will be opened and managed through our secure platform Skipton Online.

Online accounts can only be opened and operated online. Please see the product terms and conditions for specifics about online accounts.

More about Skipton Online >


You also have the option to visit your local branch, where you can transact on your branch accounts and speak privately with an adviser who can talk through your savings objectives and advise you on your options.
And because we know many of our members prefer it, passbooks are available on the majority of our branch accounts.

Enter your nearest town or postcode to find your local  branch


With telephone registered accounts (if you are over 16) you can also transact over the telephone with the faster payments system. However, some products can only be opened and managed in branch, so always check specific product information.
Skipton Direct, our phone contact centre, are available to help with account opening, transferring funds and any other queries you may have.

Phone Number: Call Skipton Direct on 0345 850 1722

8am - 8pm
8am - 5.30pm
9am - 12pm
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