Branch-based accounts

Fixed Rate Cash ISAs

If you have a lump sum you don't need access to immediately, take a look at our Fixed Rate Cash ISAs which offer a tax-free guaranteed rate of interest for the term of the account. The ISAs below can be opened in branch, by phone or by post.

If you close your Fixed Rate Cash ISA early you will incur an interest penalty so you may get back less than you paid in.

Withdrawals No withdrawals. Early closure subject to 90 days' interest penalty
Save from £500
Interest rate 0.35%
tax-free pa/AER fixed
Ways to apply
Withdrawals No withdrawals. Early closure subject to 90 days' interest penalty
Save from £500
Interest rate 0.45%
tax-free pa/AER fixed
Ways to apply
Withdrawals No withdrawals. Early closure subject to 180 days' interest penalty
Save from £500
Interest rate 0.50%
tax-free pa/AER fixed
Ways to apply
Withdrawals No withdrawals. Early closure subject to 240 days' interest penalty
Save from £500
Interest rate 0.65%
tax-free pa/AER fixed
Ways to apply
Withdrawals No withdrawals. Early closure subject to 365 days' interest penalty
Save from £500
Interest rate 1.00%
tax-free pa/AER fixed
Ways to apply
Account Name Withdrawals Save from Interest rate Ways to apply
1 Year Fixed Rate Cash ISA Issue 158 No withdrawals. Early closure subject to 90 days' interest penalty £500 0.35%
tax-free pa/AER fixed
16 Month Fixed Rate Cash ISA Issue 158 No withdrawals. Early closure subject to 90 days' interest penalty £500 0.45%
tax-free pa/AER fixed
2 Year Fixed Rate Cash ISA Issue 158 No withdrawals. Early closure subject to 180 days' interest penalty £500 0.50%
tax-free pa/AER fixed
3 Year Fixed Rate Cash ISA Issue 158 No withdrawals. Early closure subject to 240 days' interest penalty £500 0.65%
tax-free pa/AER fixed
5 Year Fixed Rate Cash ISA Issue 158 No withdrawals. Early closure subject to 365 days' interest penalty £500 1.00%
tax-free pa/AER fixed

Fixed Rate Bonds

Bonds can be a great way to save if you’re happy to lock your money away for a set period and want the security of a fixed rate of interest.

Withdrawals No withdrawals or early closure
Save from £500
Interest rate 0.45%
gross pa/AER fixed

Ways to apply
Withdrawals No withdrawals or early closure
Save from £500
Interest rate 0.55%
gross pa/AER fixed

Ways to apply
Withdrawals From 05/08/2021 you can make multiple withdrawals up to a combined total of 25% of the balance as at midnight on 04/08/21
Save from £500
Interest rate 0.55%
gross pa/AER fixed
Ways to apply
Withdrawals No withdrawals or early closure
Save from £500
Interest rate 0.60%
gross pa/AER fixed
Ways to apply
Withdrawals No withdrawals or early closure
Save from £500
Interest rate 0.75%
gross pa/AER fixed
Ways to apply
Withdrawals From 05/08/2021 you can make multiple withdrawals up to a combined total of 25% of the balance as at midnight on 04/08/21
Save from £500
Interest rate 0.95%
gross pa/AER fixed
Ways to apply
Withdrawals No withdrawals or early closure
Save from £500
Interest rate 1.10%
gross pa/AER fixed
Ways to apply
Account Name Withdrawals Save from Interest rate Ways to apply
1 Year Fixed Rate Bond Issue 158 No withdrawals or early closure £500 0.45%
gross pa/AER fixed

16 Month Fixed Rate Bond Issue 158 No withdrawals or early closure £500 0.55%
gross pa/AER fixed

2 Year Fixed Rate Limited Access Bond 158 From 05/08/2021 you can make multiple withdrawals up to a combined total of 25% of the balance as at midnight on 04/08/21 £500 0.55%
gross pa/AER fixed
2 Year Fixed Rate Bond Issue 158 No withdrawals or early closure £500 0.60%
gross pa/AER fixed
3 Year Fixed Rate Bond Issue 158 No withdrawals or early closure £500 0.75%
gross pa/AER fixed
5 Year Fixed Rate Limited Access Bond Issue 158 From 05/08/2021 you can make multiple withdrawals up to a combined total of 25% of the balance as at midnight on 04/08/21 £500 0.95%
gross pa/AER fixed
5 Year Fixed Rate Bond Issue 158 No withdrawals or early closure £500 1.10%
gross pa/AER fixed

Easy Access Accounts

Our easy access accounts let you get hold of your money when you need it. These accounts can be opened in branch, by phone or by post.

Withdrawals Flexible withdrawals permitted
Save from £1
Interest rate 0.20%
tax free pa/AER variable
Ways to apply
Withdrawals Withdrawals permitted
Save from £1
Interest rate 0.25%
gross pa/AER variable

Ways to apply
Account Name Withdrawals Save from Interest rate Ways to apply
Cash ISA Saver Issue 13 Flexible withdrawals permitted £1 0.20%
tax free pa/AER variable
Everyday Saver Issue 10 Withdrawals permitted £1 0.25%
gross pa/AER variable

Children's accounts

It's never too early to start saving. You can open a Children's saving account in branch, by post but not over the phone. You can also transfer a Child Trust Fund or Junior Cash ISA from another provider.

Withdrawals Withdrawals permitted
Save from £1
Interest rate 1.30% gross pa/AER variable
Ways to apply
Withdrawals Withdrawals or closure by child permitted once they are 18
Save from £1
Interest rate 2.00% tax-free pa/AER variable
Ways to apply
Withdrawals Closure by child permitted once they are 18
Save from £1
Interest rate 2.00% tax-free pa/AER variable
Ways to apply
Account Name Withdrawals Save from Interest rate Ways to apply
Children's Saver Issue 5 Withdrawals permitted £1 1.30% gross pa/AER variable
Junior Cash ISA Issue 5 Withdrawals or closure by child permitted once they are 18 £1 2.00% tax-free pa/AER variable
Child Trust Fund Issue 4 Closure by child permitted once they are 18 £1 2.00% tax-free pa/AER variable

Community accounts

Offering easy access to savings and a variable interest rate, our Community Saver account is designed for the needs of clubs, charities or other unincorporated associations. This account can be opened in branch or by post, but can't be opened over the phone.

Withdrawals Withdrawals permitted
Save from £1
Interest rate 0.25%
gross pa/AER variable

Ways to apply
Account Name Withdrawals Save from Interest rate Ways to apply
Community Saver Issue 8 Withdrawals permitted £1 0.25%
gross pa/AER variable

Limited access accounts

Our Limited Access accounts could be a good choice if you’re unlikely to need access to your money at short notice as they often have a higher rate of interest than easy access accounts.

Withdrawals Withdrawals subject to 120 days notice / 120-day interest penalty for access without notice
Save from £1
Interest rate 0.35% gross pa/AER variable
Ways to apply
Account Name Withdrawals Save from Interest rate Ways to apply
120 Day Notice Account Issue 9 Withdrawals subject to 120 days notice / 120-day interest penalty for access without notice £1 0.35% gross pa/AER variable

Legacy accounts (Additional Permitted Subscriptions)

Our Specialist ISA helps you make use of the Additional Permitted Subscription (APS) if you've inherited tax-free entitlements from your husband, wife or civil partner who died on or after 3 December 2014. This account can be opened in branch or by post, but can't be opened over the phone.

Withdrawals Flexible withdrawals permitted
Save from £1
Interest rate 0.20% tax-free pa/AER variable
Ways to apply
Account Name Withdrawals Save from Interest rate Ways to apply
Legacy Cash ISA Issue 6 (Additional Permitted Subscriptions only) Flexible withdrawals permitted £1 0.20% tax-free pa/AER variable

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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

FSCS - Protecting Your Money
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