Frequently Asked Questions

We’ve introduced a lot of new things during 2017 and we know there are questions you may have for us. With the help of our advisers and listening to your feedback, we’ve created this page to help with some of your most frequently asked questions, which may answer your query before getting in touch with us.

Lifetime ISA

Log into Skipton Online and send us a secure message confirming you'd like to close your Lifetime ISA and include the bank details you'd like to withdraw the funds to. We'll be in touch with you within 48 hours to confirm this. If you close your account before 5 April 2018, there will be no government withdrawal charge but you won't receive the 25% government bonus.

If you close after this date there will normally be a 25% government withdrawal charge.

Due to our online security measures, we can't return the money to you until 14 days after account opening.

You may be able to see that your account is closed with your other provider before you can see the funds online in your Lifetime ISA.

Don't worry, it can take up to 30 days for the transfer to complete and so it’s likely the cheque from your other provider is on its way to us.

If you cannot see your funds in your Lifetime ISA after the 30 day period has elapsed please contact us.

If you’re thinking about transferring an existing Help to Buy ISA or other ISA into your Skipton Cash Lifetime ISA in this tax year, our window to do so closes on 1 March 2018. After this date, you will no longer be able to apply to transfer into your Skipton Cash Lifetime ISA in the 2017/18 tax year.

During the 2017/2018 tax year, you can make a single transfer of funds built up in your Help to Buy ISA before 6 April 2017 into your Skipton Online Cash Lifetime ISA without it counting towards your annual Lifetime ISA allowance of £4,000. The whole amount you pay in will benefit from the 25% government bonus.

Subsequent transfers from savings built up in your Help to Buy ISA before 6 April 2017, transfers of savings built up after this date, or any transfers in after 5 April 2018 will count towards your annual £4,000 Lifetime ISA allowance.

You can only use the bonus from either a Help to Buy ISA or a Lifetime ISA - and not from both - to buy your first home.

If you’re thinking about transferring an existing Help to Buy ISA or other ISA into your Skipton Cash Lifetime ISA in this tax year, our window to do so closes on 1 March 2018. After this date, you will no longer be able to apply to transfer into your Skipton Cash Lifetime ISA in the 2017/18 tax year.

You can pay into both a Lifetime ISA and a Help to Buy ISA but you can only use the bonus from one of them to buy your first home.

Find out more about the Skipton Cash Lifetime ISA

Read more

Commonly asked questions & online queries

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: Please use your 9 digit Skipton account number as the reference.

You’ll be able to find your account number in letters or secure messages from Skipton relating to your account, in your passbook (if you have one) or when you log into Skipton Online to view your account.

Please ensure that you include your 9 digit account number as the reference when making your payment, so that we’re able to match your payment to your account. If you do not include your account number your payment will be returned.

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

If you would like to transfer an ISA into your Skipton Online Cash Lifetime ISA please visit our Transferring a Help to Buy ISA to a Lifetime ISA page.

If you’re thinking about transferring an existing Help to Buy ISA or other ISA into your Skipton Cash Lifetime ISA in this tax year, our window to do so closes on 1 March 2018. After this date, you will no longer be able to apply to transfer into your Skipton Cash Lifetime ISA in the 2017/18 tax year.

You can find our current available savings accounts and their rates on our Savings page.

If you’re interested in our mortgage rates you can find our current interest rates on our Mortgages page.

To be able to view your mortgage online you need to register your Grid Card or Secure Passcode. You'll have chosen one of these as your extra security method when you registered online.

Your Grid Card or Secure Passcode registration code can take up to 7 days to arrive in the post.

When registering online you’ll have chosen either a Grid Card or Secure Passcode registration code as your extra security method. This can take up to 7 days to arrive in the post.

Once it’s arrived simply log in to Skipton Online, go to Grid Card or Secure Passcode in the left hand menu and enter the Grid Card serial number or Secure Passcode registration code to register.

If you’ve registered for Skipton Online previously and have switched from using a Grid Card to Secure Passcode you’ll receive a text to register for the app.

If you haven’t registered your Grid Card in Skipton Online or registered for Skipton Online before, we’ll send you your registration code out in the post; this can take up to 7 days to receive in the post.

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

Our Savings Hub

You'll find more savings information in our hub.

Our Mortgage Hub

For all the help and information you need visit our Mortgage Hub.

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