A good place to learn about all kinds of ISAs.

A new tax year means a new opportunity to save up to your £20,000 annual ISA allowance. Whether you’re new to ISAs or you’ve been saving tax free for years, we can help. As ISA specialists, we’re here to give you the options and answers you need to help you save in a way that suits you. Use the tabs below to see our range of cash ISAs and find out how we can provide financial advice on Stocks and Shares ISAs. Together we could help you to make the most of your £20,000 annual ISA allowance in the 2020/2021 tax year.

If you're not sure about which ISA is right for you, you can speak to us face-to-face from the comfort of your own home, with our video appointment service Skipton Link.

Take a look at our ISAs

Online Fixed Rate Cash ISAs

May be right for you if:

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

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 124

Withdrawals	No withdrawals. Early closure subject to 120 days' interest penalty
Save from	£500
Interest rate	0.55% tax-free pa/AER fixed
Ways to apply	Find out more

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18 Month Online Fixed Rate Cash ISA Issue 124

Withdrawals	No withdrawals. Early closure subject to 150 days' interest penalty
Save from	£1,000
Interest rate	0.75% tax-free pa/AER fixed
Ways to apply	Find out more

Account Name	Withdrawals	Save from	Interest rate	Ways to apply
1 Year Online Fixed Rate Cash ISA Issue 124	No withdrawals. Early closure subject to 120 days' interest penalty	£500	0.55% tax-free pa/AER fixed	Find out more
18 Month Online Fixed Rate Cash ISA Issue 124	No withdrawals. Early closure subject to 150 days' interest penalty	£1,000	0.75% tax-free pa/AER fixed	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.

Easy Access ISA

May be right for you if:

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 current or previous tax years.

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Cash eISA Saver Issue 5

Withdrawals	Flexible withdrawals permitted
Save from	£1
Interest rate	0.50% tax-free pa/AER variable
Ways to apply	Find out more

Account Name	Withdrawals	Save from	Interest rate	Ways to apply
Cash eISA Saver Issue 5	Flexible withdrawals permitted	£1	0.50% tax-free pa/AER variable	Find out more

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

Cash Lifetime ISA

May 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 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 (20% for withdrawals between 6 March 2020 to midnight on 5 April 2021)
you won't need to access your money within the first 12 months, even if it's to buy your first home as this will incur the government withdrawal charge..

Find out more about our Online Cash Lifetime ISA.

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Online Cash Lifetime ISA Issue 3

Withdrawals	Early withdrawals may be subject to a government withdrawal charge
Save from	£1
Interest rate	0.35% tax-free pa/AER variable
Ways to apply	Find out more

Account Name	Withdrawals	Save from	Interest rate	Ways to apply
Online Cash Lifetime ISA Issue 3	Early withdrawals may be subject to a government withdrawal charge	£1	0.35% tax-free pa/AER variable	Find out more

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

A good place to start your ISA research

If you’ve got a question about ISAs, we’ve probably got an answer for you. Discover the basic need-to-know facts, find out about ISA transfers and learn how Stocks & Shares ISAs could factor into your longer-term plans.

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How do I transfer my ISA?

There are three different ways you can transfer an ISA with Skipton, if your account allows it. These are to Skipton from another provider, from Skipton to another provider or between Skipton ISAs. You can find out more about transferring your ISA here.

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Could a Stocks & Shares ISA be right for me?

If you’re saving for something big that’s more than five years away, a savings account might not give you the best returns, so you might want to consider a Stocks & Shares ISA instead. Find out more.

Still in the dark about ISAs? Head to our ISAs explained page to discover the ISA basics here, including facts about your ISA annual allowance, how you could use it and different types of ISA

More ways to help from our ISA Specialists

Help with savings

Our savings hub is a good place to find help and learn about savings. It’s not to be missed if you're doing research.

Savings Hub

Speak to our specialists

If you’d like help with ISAs or any of your savings options, book a face to face video appointment with one of our friendly team.

Book a video appointment

Transferring your ISA

We've tried try to make transferring your ISA funds as simple as possible. Learn how with our helpful interactive page.

ISA transfers

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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ISAs

New Tax Year

Take a look at our ISAs

Online Fixed Rate Cash ISAs

1 Year Online Fixed Rate Cash ISA Issue 124

18 Month Online Fixed Rate Cash ISA Issue 124