Charlotte Meekham, Brand Lead
15 October 2025
Who owns Skipton Building Society? Well, if you have a mortgage or at least £1 saved with us, you can find the answer by looking in the mirror.
That’s because Skipton Building Society is a member-owned organisation. For more than 170 years, we’ve existed to help members achieve their financial goals like owning a home and saving for the future. Our members get a say in how we’re run and we give them access to exclusive benefits.
Founded in 1853 but more importantly founded on fairness, our member-led approach is something we’re proud of.
Other financial services organisations, like banks, are owned by shareholders who need to be kept happy. That’s fair enough. But as a building society, we invest a share of our profits in our members. From the charitable and community causes we financially support – which members vote on – to the products and services we offer.
You deserve to feel good about your money
Let’s talk about those products and services. You get rewards just by being a member. From access to extra services to exclusive accounts to help get your savings working harder.
We have a dedicated page just for members that outlines our latest exclusive benefits, but to give you an idea of what you could benefit from:
1) Exclusive member savings accounts
From time to time, we offer eligible members preferential savings rates you might not find anywhere else.
We understand it’s harder to grow your savings right now with interest rates going down and the cost of living still a challenge. So if you’re a member you can access exclusive accounts that could get your savings working harder.
Browse our latest member savings accounts
2) Free Pension Health Check
Retiring should be something to look forward to. But if you don’t have the right plans in place, you might discover you can’t do all the things you hoped to. The sooner you take steps to check what sort of retirement you’re on track to have, the more you could do to improve your situation and start feeling better.
Our Free Pension Health Check could be just what you need. It’s only available to members. We’ll be able to look at your current plans and help you work out if you’re on course for the retirement you deserve.
It’s a quick and easy way to find out where you stand – a Pension Health Check typically lasts just half an hour.
Find out how to arrange your free Pension Health Check
3) Free EPC Plus Report
The energy efficiency of our homes has been a major talking point over recent years given the spike in energy bills. There could be changes to your home you might want to consider that could make it more energy efficient and net zero-ready.
We’ve teamed up with Vibrant to offer home-owning members a comprehensive home energy report for their property. It’s currently known as an EPC Plus Report, and it’s completely free to members.
An EPC Plus Report could help you see what energy saving improvements you could make to your home and the impact they would have.
The property needs to be at least 10 years old to qualify for a free report. Vibrant are owned by Connells Limited, part of the Skipton Group. EPC Plus is not regulated by the Financial Conduct Authority.
Find out more about a free EPC Plus Report
4) Free Stocks and Shares ISA advice
Investing into a Stocks and Shares ISA gives you a very good chance of growing your money over the long-term. Even better, there’s no tax to pay – which means you get to keep more of your returns.
As a member, you can now enjoy exclusive access to free financial advice on investing into a Stocks and Shares ISA. It’s a great way to dip your toe into investing for your long-term goals.
- Invest between £1,000 and £20,000 in one go, or between £25 and £500 a month.
- Our unique advice system provides you with a personalised recommendation.
- A friendly member of the team will support you step-by-step.
- You need to be prepared to invest for at least five years and feel comfortable with some risk to your money.
- Transfer in your 2025/26 ISA allowance (maximum £20,000) from an existing Skipton Cash ISA.
- There are fund and platform charges to pay if you take up a recommendation, but we’ve negotiated lower charges with our providers than you would normally have to pay them.
- Offer not available to current Skipton financial advice customers.
There’s no cost for the advice – if you're a member, it's completely FREE.
Arrange a call back to find out more about free Stocks and Shares ISA advice
What else do Skipton Building Society members get?
The short answer is – more.
- More of the personal touch. We have a range of ways our members could get support, from our Yorkshire based contact centre, online, via our app or in person at one of our branches.
- More value. As well as exclusive benefits, we continue to invest a share of our profits in giving back to members, as part of our aim of offering savings rates above the rest of market average*.
- More great service. We’re proud that TrustPilot users rank us great for our service^. If we do get something wrong, we’ll aim to put it right.
- More of a say. Eligible members get to vote on who runs the Society through our Annual General Meeting (AGM). You also have the chance to join our Member Panel, where you can help shape the products and services you want to see.
- More for causes that matter to you. We give our eligible members a say in which charities and communities we support. Every year we pledge to give 1% of our Group profit before tax for worthy causes.
Are you one of our co-owners?
If you’re already a member, thank you. We hope you’re feeling more confident about your financial future because you’re with us. And if there’s more we can do for you – such as our member exclusive benefits – do get in touch.
If you’re not a member, it’s easy to become one. All you need is to put at least £1 into one of our savings accounts, or arrange your next mortgage with us.
As a member we’ll treat you fairly. We’ll put you first. And we’ll give you more.
Stock market-based investments are not like Building Society savings accounts. The value of your investments and any income can go down or up and you may get back less than you invested. The tax treatment of investments depends on personal circumstances. Tax rules may change in the future.
*Rest of market as defined in CACI’s Current Account and Savings Database, Stock, including fixed and variable rates. CACI is an independent company that provides financial benchmarking data from over 40 savings providers, who together held £1.21tn of cash in savings accounts as at end September 2024.
^Correct as of August 2025.
