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 between one and five years. ISAs can be opened in branch or by post, but can't be opened over the phone.

Withdrawals No withdrawals. Early closure subject to 120 days' interest penalty
Save from £500
Annual interest rate 1.25% to 1.30%
tax-free pa/AER fixed
Dependent on the account balance
Ways to apply
Withdrawals No withdrawals. Early closure subject to 135 days' interest penalty
Save from £25,000
Annual interest rate 1.46% tax-free pa/AER fixed
Ways to apply
Withdrawals No withdrawals. Early closure subject to 180 days' interest penalty
Save from £500
Annual interest rate 1.30% to 1.35%
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
Annual interest rate 1.35% to 1.40%
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
Annual interest rate 1.40% to 1.45%
tax-free pa/AER fixed
Dependent on the account balance
Ways to apply
Account Name Withdrawals Save from Annual interest rate Ways to apply
1 Year Fixed Rate Cash ISA Issue 100 No withdrawals. Early closure subject to 120 days' interest penalty £500 1.25% to 1.30%
tax-free pa/AER fixed
Dependent on the account balance
15 Month Fixed Rate Cash ISA Issue 100 No withdrawals. Early closure subject to 135 days' interest penalty £25,000 1.46% tax-free pa/AER fixed
2 Year Fixed Rate Cash ISA Issue 100 No withdrawals. Early closure subject to 180 days' interest penalty £500 1.30% to 1.35%
tax-free pa/AER fixed
Dependent on the account balance
3 Year Fixed Rate Cash ISA Issue 100 No withdrawals. Early closure subject to 240 days' interest penalty £500 1.35% to 1.40%
tax-free pa/AER fixed
Dependent on the account balance
5 Year Fixed Rate Cash ISA Issue 100 No withdrawals. Early closure subject to 365 days' interest penalty £500 1.40% to 1.45%
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 from one to five years and want the security of a fixed rate of interest. Explore our range of Fixed Rate Bonds.

Withdrawals No withdrawals or early closure
Save from £500
Annual interest rate 1.30% to 1.35%
gross pa/AER fixed
Dependent on the account balance
Ways to apply
Withdrawals No withdrawals or early closure
Save from £25,000
Annual interest rate 1.46%
gross pa/AER fixed
Ways to apply
Withdrawals No withdrawals or early closure
Save from £500
Annual interest rate 1.35% to 1.40%
gross pa/AER fixed
Dependent on the account balance
Ways to apply
Withdrawals No withdrawals or early closure
Save from £500
Annual interest rate 1.40% to 1.45%
gross pa/AER fixed
Dependent on the account balance
Ways to apply
Withdrawals No withdrawals or early closure
Save from £500
Annual interest rate 1.45% to 1.50%
gross pa/AER fixed
Dependent on the account balance
Ways to apply
Account Name Withdrawals Save from Annual interest rate Ways to apply
1 Year Fixed Rate Bond Issue 100 No withdrawals or early closure £500 1.30% to 1.35%
gross pa/AER fixed
Dependent on the account balance
15 Month Fixed Rate Bond Issue 100 No withdrawals or early closure £25,000 1.46%
gross pa/AER fixed
2 Year Fixed Rate Bond Issue 100 No withdrawals or early closure £500 1.35% to 1.40%
gross pa/AER fixed
Dependent on the account balance
3 Year Fixed Rate Bond Issue 100 No withdrawals or early closure £500 1.40% to 1.45%
gross pa/AER fixed
Dependent on the account balance
5 Year Fixed Rate Bond Issue 100 No withdrawals or early closure £500 1.45% to 1.50%
gross pa/AER fixed
Dependent on the account balance

Easy Access Accounts

Our Easy Access accounts let you get hold of your money when you need it. Our Cash ISA Saver can be opened in branch or by post, but can't be opened over the phone.

Withdrawals Flexible withdrawals permitted
Save from £1
Annual interest rate 0.80% to 1.15%
tax-free pa/AER variable
Dependent on the account balance
Ways to apply
Withdrawals Withdrawals permitted
Save from £1
Annual interest rate 0.50% to 1.00%
gross pa/AER variable
Dependent on the account balance
Ways to apply
Account Name Withdrawals Save from Annual interest rate Ways to apply
Cash ISA Saver Issue 9 Flexible withdrawals permitted £1 0.80% to 1.15%
tax-free pa/AER variable
Dependent on the account balance
Everyday Saver Issue 5 Withdrawals permitted £1 0.50% to 1.00%
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
Annual interest rate 1.80% gross pa/AER variable
Ways to apply
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
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
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
Junior Cash ISA Issue 4 Withdrawals or closure by child permitted once they are 18 £1 2.50% tax-free pa/AER variable
Child Trust Fund Issue 3 Withdrawals or closure by child permitted once they are 18 £1 2.50% 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
Annual interest rate 1.00% gross pa/AER variable
Ways to apply
Account Name Withdrawals Save from Annual interest rate Ways to apply
Community Saver Issue 3 Withdrawals permitted £1 1.00% gross pa/AER variable

Limited access accounts

You have limited access to your money unlike easy access accounts but often have a higher rate of interest.

Withdrawals One partial withdrawal per year
Save from £25,000
Annual interest rate 1.35% gross pa/AER variable
Ways to apply
Withdrawals Withdrawals permitted subject to 45 days' notice
Save from £1
Annual interest rate 1.00% gross pa/AER variable
Ways to apply
Withdrawals Withdrawals permitted subject to 90 days' notice
Save from £1
Annual interest rate 1.20% gross pa/AER variable
Ways to apply
Withdrawals Withdrawals permitted subject to 120 days' notice
Save from £1
Annual interest rate 1.35% gross pa/AER variable
Ways to apply
Account Name Withdrawals Save from Annual interest rate Ways to apply
Limited Access Saver Issue 2 One partial withdrawal per year £25,000 1.35% gross pa/AER variable
45 Day Notice Account Issue 5 Withdrawals permitted subject to 45 days' notice £1 1.00% gross pa/AER variable
90 Day Notice Account Issue 4 Withdrawals permitted subject to 90 days' notice £1 1.20% gross pa/AER variable
120 Day Notice Account Withdrawals permitted subject to 120 days' notice £1 1.35% 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
Annual interest rate 1.00% tax-free pa/AER variable
Ways to apply
Account Name Withdrawals Save from Annual interest rate Ways to apply
Legacy Cash ISA Issue 3 (Additional Permitted Subscriptions only) Flexible withdrawals permitted £1 1.00% 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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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.

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FSCS - Protecting Your Money

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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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