Frequently Asked Questions


Savings

If you're making a payment into an ISA and you've not paid in for over 12 months, you will need to reconfirm your ISA declaration before making a payment. Please contact us to make sure your payment can be accepted.

Bank payment

You’ll need to set up instructions with your bank. If you want to set this up before your account matures you can set up a future dated payment in advance.

To pay money into your Skipton account from another UK bank or building society, please use the bank details below:

Sort code
20-78-91
Account number
70798924
Reference number
your 9 digit Skipton account number

By Cheque

Through any branch you can pay this in at any branch or post to Skipton Building Society, Principal Office, The Bailey, Skipton, North Yorkshire, BD23 1DN.

Debit card payment

Where your account was opened online you can pay in through Skipton Online. Alternatively, visit any branch or call us on 0345 850 1722.

By Cash

If your account allows it, you can pay in by cash at any branch, please bring one piece of photographic ID as set out in our Proving your Identity [PDF] document and your passbook (if applicable).

ISA transfer

For more information on how to transfer money from another ISA, please visit our Transferring your ISA page

Cash ISA transfers usually take up to 7 working days whilst transfers in from a Stocks & Shares, Innovative Finance or Lifetime ISA can take up to 30 working days. For more information on ISA transfers visit our transferring your ISA page.

You can find all the information you need to transfer your ISA on our Transferring your ISA page.

There are different options available to you depending on where you opened your account and your accounts terms and conditions, please visit paying in and withdrawing for more information.

If your savings account was opened in branch, post, or over the phone, you will receive your certificate of investment within 30 days of your account opening or maturity date. If it was opened online, you will not receive a certificate of investment as you can view your account information on Skipton Online.

If you’re registered for Skipton Online, you can:

  • Update your email or postal address online or by writing to us
  • Update your telephone number(s) online, over the phone, in branch or by writing to us.

To update your details in Skipton Online visit the ‘Personal Details’ section once logged in which you’ll find on the left hand side. You’ll need your extra layer of security to hand (Secure Passcode within the app or Grid Card) to be able to update any of your personal or contact details online.

If you’re not registered for Skipton Online, you can:

  • Update your telephone number, email or postal address over the phone, in branch or by writing to us. If you’d like to change your postal address over the phone, you’ll need to have set up a memorable word for telephone access to be able to do so.

If we don't have your signature on file, and you're changing your details by post or in branch. We may ask you to provide verification of your signature.

Does your question relate to the Skipton Online Cash Lifetime ISA?

Please read our Lifetime ISA FAQs.


Savings Maturity

You’ll receive your maturity offering communication 2 weeks before your savings mature. This outlines your maturity options and how you can provide your maturity instructions.

  • If you opened your account online, you will be asked to provide your instructions by logging into Skipton Online.
  • If you opened your account in branch, over the phone or by post, there will be a few different options on how to provide your instructions and these will be detailed in your maturity offering communication.

Your funds will mature at midnight on the date of maturity and will be available the next working day.

For example, if your account matured at midnight on a Friday you could go into a branch on a Saturday to withdraw by cheque or up to £500 in cash. Before you visit, please check the opening times for your local branch using our Branch Finder.

Alternatively, if you requested a withdrawal by faster payment, this would be sent the next working day. Where your maturity takes place on a weekend or bank holiday, we can only start the faster payments process on the next working day. Funds will be available in your bank/building society account no later than the end of the following working day.

You can’t make a payment into your fixed rate savings account until the day after it has matured.

  • If you “do nothing” your maturing funds will automatically transfer into the 1 year product described in your maturity letter and you will have 21 days from maturity to add more money to the account.
  • If you’ve given an instruction to transfer your maturing funds into one of the fixed rate products we’ve offered you, then for 7 days after maturity you can make additional payments into your account. After this, your account may be closed to further deposits at any time and without notice.
  • If you’ve selected any other product from our range, you can pay in as described in the account terms and conditions.

Mortgages

To find out how to make payments into your mortgage, please visit paying your mortgage.

If you're thinking of making overpayments, please check your mortgage offer as to whether this is possible and if so, if there are any Early Repayment Charges payable.

Key points

  • Your first Direct Debit payment will be due on the first day of the month following release of funds. Payments will be taken on the third working day after the payment due date, but the money needs to be available in the account on the due date.
  • If release of funds takes place on the last day of the month, the first payment is due the following day.
Completion date (release of funds) First payment due
1-31 January 1 February
1-29 February 1 March
1-31 March 1 April
1-30 April 1 May
1-31 May 1 June
1-30 June 1 July
1-31 July 1 August
1-31 August 1 September
1-30 September 1 October
1-31 October 1 November
1-30 November 1 December
1-31 December 1 January

Online Registration

We take online security very seriously and use two-factor authentication to provide an extra layer of security. This means we rely on more than passwords and memorable information for some activities

You don’t need to use this when logging into Skipton Online or making a payment into your account(s). You only need to use it for certain activities including:

  • Withdrawing money
  • Transferring money
  • Changing your personal details
  • Setting up a new nominated account

Find out more about our services

Savings

Whatever your savings goals, we're here to help you achieve them.

See our savings range

Mortgages

We'll help you to find a mortgage from our range to meet your needs.

Find out more

Financial Advice

We can help you plan for your long-term financial future.

Find out more
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