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 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.

Withdrawals No withdrawals. Early closure subject to 120 days' interest penalty
Save from £500
Interest rate 0.95% to 1.05%
tax-free pa/AER fixed
Dependent on the account balance
Ways to apply
Withdrawals No withdrawals. Early closure subject to 150 days' interest penalty
Save from £1000
Interest rate 1.15% tax-free pa/AER fixed
Ways to apply
Withdrawals No withdrawals. Early closure subject to 180 days' interest penalty
Save from £500
Interest rate 1.00% to 1.10%
tax-free pa/AER fixed
Dependent on the account balance
Ways to apply
Withdrawals No withdrawals. Early closure subject to 240 days' interest penalty
Save from £500
Interest rate 1.05% to 1.15%
tax-free pa/AER fixed
Dependent on the account balance
Ways to apply
Withdrawals No withdrawals. Early closure subject to 365 days' interest penalty
Save from £500
Interest rate 1.10% to 1.20%
tax-free pa/AER fixed
Dependent on the account balance
Ways to apply
Account Name Withdrawals Save from Interest rate Ways to apply
1 Year Fixed Rate Cash ISA Issue 116 No withdrawals. Early closure subject to 120 days' interest penalty £500 0.95% to 1.05%
tax-free pa/AER fixed
Dependent on the account balance
18 Month Fixed Rate Cash ISA Issue 116 No withdrawals. Early closure subject to 150 days' interest penalty £1000 1.15% tax-free pa/AER fixed
2 Year Fixed Rate Cash ISA Issue 116 No withdrawals. Early closure subject to 180 days' interest penalty £500 1.00% to 1.10%
tax-free pa/AER fixed
Dependent on the account balance
3 Year Fixed Rate Cash ISA Issue 116 No withdrawals. Early closure subject to 240 days' interest penalty £500 1.05% to 1.15%
tax-free pa/AER fixed
Dependent on the account balance
5 Year Fixed Rate Cash ISA Issue 116 No withdrawals. Early closure subject to 365 days' interest penalty £500 1.10% to 1.20%
tax-free pa/AER fixed
Dependent on the account balance

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 0.95%
gross pa/AER fixed
Ways to apply
Withdrawals No withdrawals or early closure
Save from £1000
Interest rate 1.15%
gross pa/AER fixed
Ways to apply
Withdrawals No withdrawals or early closure
Save from £500
Interest rate 1.00%
gross pa/AER fixed
Ways to apply
Withdrawals No withdrawals or early closure
Save from £500
Interest rate 1.05%
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 116 No withdrawals or early closure £500 0.95%
gross pa/AER fixed
18 Month Fixed Rate Bond Issue 116 No withdrawals or early closure £1000 1.15%
gross pa/AER fixed
2 Year Fixed Rate Bond Issue 116 No withdrawals or early closure £500 1.00%
gross pa/AER fixed
3 Year Fixed Rate Bond Issue 116 No withdrawals or early closure £500 1.05%
gross pa/AER fixed
5 Year Fixed Rate Bond Issue 116 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 easy access accounts ISAs can be opened in branch, by phone or by post.

Withdrawals Flexible withdrawals premitted
Save from £1
Interest rate 0.40%
tax free pa/AER variable
Ways to apply
Withdrawals Flexible withdrawals permitted
Save from £1
Interest rate 1.00% tax-free pa/AER variable (includes 0.60% bonus for the first 12 months from account opening)
Ways to apply
Withdrawals Withdrawals permitted
Save from £1
Interest rate 0.15% to 0.40%
gross pa/AER variable
Dependent on the account balance
Ways to apply
Account Name Withdrawals Save from Interest rate Ways to apply
Cash ISA Saver Issue 11 Flexible withdrawals premitted £1 0.40%
tax free pa/AER variable
Bonus Cash ISA Issue 11 Flexible withdrawals permitted £1 1.00% tax-free pa/AER variable (includes 0.60% bonus for the first 12 months from account opening)
Everyday Saver Issue 7 Withdrawals permitted £1 0.15% to 0.40%
gross pa/AER variable
Dependent on the account balance

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 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
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 Withdrawals or 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 0.15% to 0.40%
gross pa/AER variable
Dependent on the account balance
Ways to apply
Account Name Withdrawals Save from Interest rate Ways to apply
Community Saver Issue 5 Withdrawals permitted £1 0.15% to 0.40%
gross pa/AER variable
Dependent on the account balance

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 45 days notice / 45-day interest penalty for access without notice
Save from £1
Interest rate 0.50% gross pa/AER variable
Ways to apply
Withdrawals Withdrawals subject to 90 days notice / 90-day interest penalty for access without notice
Save from £1
Interest rate 0.70% gross pa/AER variable
Ways to apply
Withdrawals Withdrawals subject to 120 days notice / 120-day interest penalty for access without notice
Save from £1
Interest rate 0.90% gross pa/AER variable
Ways to apply
Account Name Withdrawals Save from Interest rate Ways to apply
45 Day Notice Account Issue 7 Withdrawals subject to 45 days notice / 45-day interest penalty for access without notice £1 0.50% gross pa/AER variable
90 Day Notice Account Issue 6 Withdrawals subject to 90 days notice / 90-day interest penalty for access without notice £1 0.70% gross pa/AER variable
120 Day Notice Account Issue 5 Withdrawals subject to 120 days notice / 120-day interest penalty for access without notice £1 0.90% 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 0.40% tax-free pa/AER variable
Ways to apply
Account Name Withdrawals Save from Interest rate Ways to apply
Legacy Cash ISA Issue 4 (Additional Permitted Subscriptions only) Flexible withdrawals permitted £1 0.40% tax-free pa/AER variable

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.

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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.

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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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