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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.

Account name Interest rate Product overview Ways to apply
1 Year Fixed Rate Cash ISA Issue 174
0.60% tax-free pa/AER fixed
  • Save from £500
  • No withdrawals
  • Early closure subject to 90 days' interest penalty
2 Year Fixed Rate Cash ISA Issue 174
1.10% tax-free pa/AER fixed
  • Save from £500
  • No withdrawals
  • Early closure subject to 180 days' interest penalty
3 Year Fixed Rate Cash ISA Issue 174
1.30% tax-free pa/AER fixed
  • Save from £500
  • No withdrawals
  • Early closure subject to 240 days' interest penalty
5 Year Fixed Rate Cash ISA Issue 174
1.45% tax-free pa/AER fixed
  • Save from £500
  • No withdrawals
  • Early closure subject to 365 days' interest penalty

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.

Account name Interest rate Product overview Ways to apply
1 Year Fixed Rate Bond Issue 174
0.60% gross pa/AER fixed
  • Save from £500
  • No withdrawals or early closure
2 Year Fixed Rate Limited Access Bond Issue 174
1.00% gross pa/AER fixed
  • Save from £500
  • From 10/02/2022 you can make multiple withdrawals up to a combined total of 25% of the balance as at midnight on 09/02/2022, subject to the minimum operating balance of £500
2 Year Fixed Rate Bond Issue 174
1.10% gross pa/AER fixed
  • Save from £500
  • No withdrawals or early closure
3 Year Fixed Rate Bond Issue 174
1.30% gross pa/AER fixed
  • Save from £500
  • No withdrawals or early closure
5 Year Fixed Rate Bond Issue 174
1.45% gross pa/AER fixed
  • Save from £500
  • No withdrawals or early closure

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.

Account name Interest rate Product overview Ways to apply
Cash ISA Saver Issue 14
0.45% tax-free pa/AER variable
  • Save from £1
  • Flexible withdrawals permitted
Cash ISA Tracker Issue 2
0.60% tax-free pa/AER variable
  • Save from £1
  • Flexible withdrawals permitted
Everyday Saver Issue 11
0.30% gross pa/AER variable
  • Save from £1
  • Withdrawals permitted

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.

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

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.

Account name Interest rate Product overview Ways to apply
Community Saver Issue 9
0.30% gross pa/AER variable
  • Save from £1
  • Withdrawals permitted

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.

Account name Interest rate Product overview Ways to apply
120 Day Notice Account Issue 10
0.45% gross pa/AER variable
  • Save from £1
  • Withdrawals subject to 120 days notice / 120-day interest penalty for access without notice

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.

Account name Interest rate Product overview Ways to apply
Legacy Cash ISA Issue 7 (Additional Permitted Subscriptions only)
0.45% tax-free pa/AER variable
  • Save from £1
  • Flexible withdrawals permitted

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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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