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- †AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added each year. All ISA interest is paid tax-free, which means it’s exempt from income tax. Tax rules may change in future. Please be aware that products can be withdrawn at any time and without notice.
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Savings

Fixed Rate Cash ISAs

Our Online Fixed Rate Cash ISAs may be right for you if:

you have a lump sum to invest and you don’t want to continue to pay in after the first seven days of the account opening
you want a fixed rate of interest that's guaranteed for the fixed term
you don’t want to withdraw money before the end of the fixed term
you want to be able to transfer in ISA savings from current and/or previous tax years.

When your fixed term ends your account will transfer into a 1 Year Online Fixed Rate Cash ISA unless you tell us otherwise.

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1 Year Online Fixed Rate Cash ISA Issue 98

Withdrawals	No withdrawals. Early closure subject to 120 days' interest penalty
Save from	£500
Annual interest rate	1.25% to 1.35% tax-free pa/AER fixed Dependent on the account balance
Ways to apply	Find out more

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2 Year Online Fixed Rate Cash ISA Issue 98

Withdrawals	No withdrawals. Early closure subject to 180 days' interest penalty
Save from	£500
Annual interest rate	1.25% to 1.35% tax-free pa/AER fixed Dependent on the account balance
Ways to apply	Find out more

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3 Year Online Fixed Rate Cash ISA Issue 98

Withdrawals	No withdrawals. Early closure subject to 240 days' interest penalty
Save from	£500
Annual interest rate	1.25% to 1.35% tax-free pa/AER fixed Dependent on the account balance
Ways to apply	Find out more

Show / hide

5 Year Online Fixed Rate Cash ISA Issue 98

Withdrawals	No withdrawals. Early closure subject to 365 days' interest penalty
Save from	£500
Annual interest rate	1.25% to 1.35% tax-free pa/AER fixed Dependent on the account balance
Ways to apply	Find out more

Account Name	Withdrawals	Save from	Annual interest rate	Ways to apply
1 Year Online Fixed Rate Cash ISA Issue 98	No withdrawals. Early closure subject to 120 days' interest penalty	£500	1.25% to 1.35% tax-free pa/AER fixed Dependent on the account balance	Find out more
2 Year Online Fixed Rate Cash ISA Issue 98	No withdrawals. Early closure subject to 180 days' interest penalty	£500	1.25% to 1.35% tax-free pa/AER fixed Dependent on the account balance	Find out more
3 Year Online Fixed Rate Cash ISA Issue 98	No withdrawals. Early closure subject to 240 days' interest penalty	£500	1.25% to 1.35% tax-free pa/AER fixed Dependent on the account balance	Find out more
5 Year Online Fixed Rate Cash ISA Issue 98	No withdrawals. Early closure subject to 365 days' interest penalty	£500	1.25% to 1.35% tax-free pa/AER fixed Dependent on the account balance	Find out more

Easy Access Cash ISA

Our Easy Access Cash ISA may be right for you if:

you're happy with a variable rate of interest that can go up or down
you want access to be able to withdraw money or add to your account
you'd like easy, flexible access to your money without affecting your ISA allowance
you want to be able to transfer in ISA savings from previous tax years

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eISA Saver Issue 1

Withdrawals	Flexible withdrawals permitted
Save from	£1
Annual interest rate	1.00% to 1.30% tax-free pa/AER variable Dependent on the account balance
Ways to apply	Find out more

Account Name	Withdrawals	Save from	Annual interest rate	Ways to apply
eISA Saver Issue 1	Flexible withdrawals permitted	£1	1.00% to 1.30% tax-free pa/AER variable Dependent on the account balance	Find out more

Compare our wide range of savings accounts here.

If you would prefer to open and manage an account in one of our branches or by post, you can find out more on our branch accounts page.

Easy Access

Our Easy Access account may be right for you if:

you're happy with a variable rate of interest that can go up or down
you want access to be able to withdraw money or add to your account.

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eSaver Issue 10

Withdrawals	Withdrawals permitted
Save from	£1
Annual interest rate	1.00% to 1.30% gross pa/AER variable Dependent on the account balance
Ways to apply	Find out more

Account Name	Withdrawals	Save from	Annual interest rate	Ways to apply
eSaver Issue 10	Withdrawals permitted	£1	1.00% to 1.30% gross pa/AER variable Dependent on the account balance	Find out more

Easy Access Cash ISA

Our Easy Access Cash ISA may be right for you if:

you're happy with a variable rate of interest that can go up or down
you want access to be able to withdraw money or add to your account
you'd like easy, flexible access to your money without affecting your ISA allowance
you want to be able to transfer in ISA savings from previous tax years

Show / hide

eISA Saver Issue 1

Withdrawals	Flexible withdrawals permitted
Save from	£1
Annual interest rate	1.00% to 1.30% tax-free pa/AER variable Dependent on the account balance
Ways to apply	Find out more

Account Name	Withdrawals	Save from	Annual interest rate	Ways to apply
eISA Saver Issue 1	Flexible withdrawals permitted	£1	1.00% to 1.30% tax-free pa/AER variable Dependent on the account balance	Find out more

Compare our wide range of savings accounts here.

If you would prefer to open and manage an account in one of our branches or by post, you can find out more on our branch accounts page.

Fixed Rate Bonds

Our Fixed Rate E-Bonds may be right for you if:

you have a lump sum to invest of £500 or more and you don't want to continue to pay in after the first seven days of the account opening
you want a fixed rate of interest that's guaranteed for the fixed term
you don't want to withdraw money before the end of the fixed term.

When your fixed term ends, your account will transfer to a 1 Year Fixed Rate E-Bond unless you tell us otherwise.

All our current fixed term bonds have the same interest rates. Choose which term is right for you.

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1 Year Fixed Rate E-Bond Issue 98

Withdrawals	No withdrawals or early closure
Save from	£500
Annual interest rate	1.30% to 1.40% gross pa/AER fixed Dependent on the account balance
Ways to apply	Find out more

Show / hide

2 Year Fixed Rate E-Bond Issue 98

Withdrawals	No withdrawals or early closure
Save from	£500
Annual interest rate	1.30% to 1.40% gross pa/AER fixed Dependent on the account balance
Ways to apply	Find out more

Show / hide

3 Year Fixed Rate E-Bond Issue 98

Withdrawals	No withdrawals or early closure
Save from	£500
Annual interest rate	1.30% to 1.40% gross pa/AER fixed Dependent on the account balance
Ways to apply	Find out more

Show / hide

5 Year Fixed Rate E-Bond Issue 98

Withdrawals	No withdrawals or early closure
Save from	£500
Annual interest rate	1.30% to 1.40% gross pa/AER fixed Dependent on the account balance
Ways to apply	Find out more

Account Name	Withdrawals	Save from	Annual interest rate	Ways to apply
1 Year Fixed Rate E-Bond Issue 98	No withdrawals or early closure	£500	1.30% to 1.40% gross pa/AER fixed Dependent on the account balance	Find out more
2 Year Fixed Rate E-Bond Issue 98	No withdrawals or early closure	£500	1.30% to 1.40% gross pa/AER fixed Dependent on the account balance	Find out more
3 Year Fixed Rate E-Bond Issue 98	No withdrawals or early closure	£500	1.30% to 1.40% gross pa/AER fixed Dependent on the account balance	Find out more
5 Year Fixed Rate E-Bond Issue 98	No withdrawals or early closure	£500	1.30% to 1.40% gross pa/AER fixed Dependent on the account balance	Find out more

Compare our wide range of savings accounts here.

If you would prefer to open and manage an account in one of our branches or by post, you can find out more on our branch accounts page.

Lifetime ISA

Our Online Cash Lifetime ISA might be right for you if:

you’re aged 18-39
you want to save up to £4,000 each year towards buying your first home or helping to fund your retirement
you won't need to access your money for any other purpose before you turn 60
you accept that, unless you are using it to buy your first home, accessing your Lifetime ISA savings before you turn 60 will incur a 25% government withdrawal charge, meaning you'd get back less than you paid in.
you accept that any withdrawals, for any purpose, within 12 months of your first payment into a Lifetime ISA will also incur the government withdrawal charge.

Find out more about our Online Cash Lifetime ISA here.

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Online Cash Lifetime ISA

Withdrawals	Early withdrawals may be subject to a government withdrawal charge
Save from	£1
Annual interest rate	1.00% tax-free pa/AER variable
Ways to apply	Find out more

Account Name	Withdrawals	Save from	Annual interest rate	Ways to apply
Online Cash Lifetime ISA	Early withdrawals may be subject to a government withdrawal charge	£1	1.00% tax-free pa/AER variable	Find out more

Children's accounts

If you're under 18, you can open a Children's Saver or Junior Cash ISA in branch or by post with just £1, or transfer an existing Child Trust Fund to Skipton from another provider.

Please see below our children's savings accounts and their current rates.

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Withdrawals	Withdrawals permitted
Save from	£1
Annual interest rate	1.80% gross pa/AER variable
Ways to apply	Find out more

Withdrawals	Withdrawals or closure by child permitted once they are 18
Save from	£1
Annual interest rate	2.50% tax-free pa/AER variable
Ways to apply	Find out more

Child Trust Fund Issue 3

Withdrawals	Withdrawals or closure by child permitted once they are 18
Save from	£1
Annual interest rate	2.50% tax-free pa/AER variable
Ways to apply	Find out more

Account Name	Withdrawals	Save from	Annual interest rate	Ways to apply
Children's Saver Issue 4	Withdrawals permitted	£1	1.80% gross pa/AER variable	Find out more
Junior Cash ISA Issue 4	Withdrawals or closure by child permitted once they are 18	£1	2.50% tax-free pa/AER variable	Find out more
Child Trust Fund Issue 3	Withdrawals or closure by child permitted once they are 18	£1	2.50% tax-free pa/AER variable	Find out more

AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added each year. All ISA and Child Trust Fund interest is paid tax-free, which means it’s exempt from income tax. We pay all non ISA savings interest gross, which means no tax is deducted. It’s your responsibility to pay any tax due, based on your individual circumstances. Tax rules may change in future.

Please be aware that products can be withdrawn at any time and without notice.

If you've got questions, we've got the time to help

Savings Calculator

It only takes a few seconds to find out how much you could save over a period of time and how much interest you could earn with our handy savings calculator.

Start calculating now

Talk to us

Either in Branch or via Video Appointment, a financial review is a great way to check whether your savings plans are on track.

Take the next step

Branch Finder

If you're interested in any of our branch-based accounts, you can search for your nearest branch using our Branch Finder tool.

Find your nearest branch

Help & support for existing customers

Read our
FAQs

We've compiled answers to your most commonly asked questions.

Read our FAQs

Paying into your account

Details on how to pay in and withdraw from your account.

Find out more

Transferring your ISA

Learn more about how to transfer existing ISA funds.

Find out more

Find your interest rate

View interest rates for savings accounts that are no longer on sale.

Find your rate

Financial Services Compensation Scheme

Your eligible deposits with Skipton Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme.

Learn more about the FSCS

*To help maintain service and quality, some telephone calls may be recorded and monitored.

Site intended for UK residents only. Skipton Building Society is a member of the Building Societies Association. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 153706, for accepting deposits, advising on and arranging mortgages and providing Restricted financial advice. Principal Office, The Bailey, Skipton, North Yorkshire, BD23 1DN.

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Our savings range

Help & Support

eSaver

Savings Hub

Our mortgage range

Help & Support

Which? Recommended Provider for mortgages

Mortgage Hub

Financial Planning & Advice

Investments

Financial Planning & Advice

Knowledge Centre

Our insurance range

Help & Support

Home Insurance

Partnerships Charter

Our services

Help & Support

Funeral Planning

Making a Will

About us

Get involved

Which? Recommended Provider for mortgages

Savings

A range of savings

Fixed Rate Cash ISAs

1 Year Online Fixed Rate Cash ISA Issue 98

2 Year Online Fixed Rate Cash ISA Issue 98

3 Year Online Fixed Rate Cash ISA Issue 98

5 Year Online Fixed Rate Cash ISA Issue 98

Easy Access Cash ISA

eISA Saver Issue 1

Easy Access

eSaver Issue 10

Easy Access Cash ISA

eISA Saver Issue 1

Fixed Rate Bonds

1 Year Fixed Rate E-Bond Issue 98

2 Year Fixed Rate E-Bond Issue 98

3 Year Fixed Rate E-Bond Issue 98

5 Year Fixed Rate E-Bond Issue 98

Lifetime ISA

Online Cash Lifetime ISA

Children's accounts

Children's Saver Issue 4

Junior Cash ISA Issue 4

Child Trust Fund Issue 3

If you've got questions, we've got the time to help

Savings Calculator

Talk to us

Branch Finder

Help & support for existing customers

Read our FAQs

Paying into your account

Transferring your ISA

Find your interest rate

Financial Services Compensation Scheme

Read our
FAQs