Paying in and Withdrawing

Details you need to send money from a UK bank or building society

Sort code: 20-78-91

Account number: 70798924

Reference number: your 9 digit Skipton account number

Details to send money from overseas

International Bank Account Number (IBAN): GB03BARC20789170798924

Swift code: BARCGB22

Reference number: your 9 digit Skipton account number

We will ensure interest accrues from the day we receive the payment. The day we receive the money will depend on when the payment instruction was made to the payer’s bank or building society, and any cut-off point e.g. the point at which the instruction may be deemed to have been received the next working day (this does not include Saturdays, Sundays or English bank holidays).

CHAPS payments are guaranteed to be received and cleared by close of business on the same working day that the payer's bank or building society sends the funds, provided they are sent before the provider's cut off time. You should check with your provider as to when their cut-off time is. Please note, your provider may charge an admin fee for this service.

Faster Payments sent by other providers will be processed and applied to your account within 2 hours of receipt, regardless of the day or time they arrived.

You should check with your provider as to when their cut-off time is.

Withdrawals against electronic payments (Faster Payments and CHAPS) can be made immediately upon receipt of the funds.

Where your account was opened online you can pay in using a debit card through Skipton Online, via the Skipton app, in any branch or by calling us on 0345 850 1722.

Where your account was opened in branch, by post or by phone you can pay in using a debit card in any of our branches or by calling us.

Please note: if you pay money into your account using your debit card, we don’t receive the money until 2 working days after you carry out the transaction. Therefore withdrawals from your Skipton account cannot be made until the third working day. For example, a debit card payment made on a Monday will normally be available for withdrawal on the Wednesday of the same week.

If you’d like to set up a Standing Order from an external UK bank or building society, to make regular payments into your Skipton account, please download the Standing Order Mandate form (PDF), complete and return to your bank or building society.

We will ensure interest accrues from the day we receive payment.

Visit any branch or post to Customer Delivery, Skipton Building Society, Principal Office, The Bailey, Skipton, North Yorkshire, BD23 1DN.

The cheque must be made payable to the account holder's name and include the Skipton account number on the back of the cheque. The cheque payment will start to earn interest no later than 2 working days after you pay it in (not including the day on which the payment was made into the account, if this is a working day).

Please note:

• We do not accept non-sterling cheques
• Withdrawals against cheques paid into your account can be made on the sixth working day (not including the day of deposit). For example, a cheque paid in on a Monday will normally be available for withdrawal on the Tuesday of the following week.

Visit any branch (we’ll need to see some photographic ID for the first cash payment into an online account). Interest accrues from the date we receive your payment.

Please note, we do not accept foreign currency.

For more information on how to transfer money from another ISA, please visit our Transferring your ISA page.

Accounts opened online

• Login to Skipton Online or Skipton Mobile app and select 'Withdraw' next to the account you wish to pay out of
• Select 'Transfer to another of your Skipton accounts' and follow the instructions

If you request a transfer after 8pm, you may notice that the money appears to have left one account and not yet arrived in the other. This transfer won’t show in the account you are paying into until the next working day.

Account opened in branch, by post or over the phone

You can transfer money between Skipton accounts in any branch, by post or by calling us on 0345 850 1722.

ISA transfer

For more information on how to transfer money between ISAs, please visit our Transferring your ISA page

All accounts

If you would like to set up regular payments from a savings account into another of your Skipton accounts, please download the Internal Standing Order Mandate form (PDF), complete and return to the address below, or call into your local branch.

Write to us at:

If the request to set up a regular payment is from an offline account to an online account then we will require identification if we do not hold a record of your signature for both accounts.

You can only withdraw through Skipton Online or the Skipton Mobile app and you must have registered your extra layer of security.

To withdraw through Skipton Online:

• Login to Skipton Online and select 'Withdraw' next to the account you wish to pay out of,
• If you are making a withdrawal to an external bank account or to another member's Skipton account, you'll need to provide details from your extra layer of security in order to withdraw. Please note if you are transferring into an external bank or building society account it must be a nominated account. You can set up a nominated account as part of the paying out process.

To withdraw through the Skipton Mobile app:

• If you haven't already done so, you'll need to install the app
• To withdraw to an existing nominated account, just log in to the app and select the account you want to withdraw from and follow the instructions.
• To withdraw to a new nominated account, before you can withdraw you'll need to set up the new nominated account in Skipton Online. You'll need to provide details from your extra layer of security to do this. Once you've done that you can then make withdrawals to your new nominated account through the app as above.

Please note that for security reasons you cannot withdraw from an online account within 14 days of us receiving your first payment.

Any online requests that are received before the payment cut-off time of 8pm on a working day will arrive in your nominated account no later than midnight of the next working day. Any requests received after 8pm or on a non-working day will be processed on the next working day.

If total payments from your online accounts exceed £50,000 on any day you will be asked to get in touch with us by phone to proceed with your withdrawal. Your request will not be processed until you have completed this step.

Payments over £100,000 made online will automatically be processed using CHAPS. If you wish to request a CHAPS payment for £100,000 or less you need to send us a secure message on Skipton Online providing the details of the account you wish to transfer to. Please note we can't accept third party details when processing CHAPS online and the account you're sending funds to must be your own.

Any online requests for CHAPS payments that are received before the payment cut-off time of 3pm will arrive in your nominated account on the same day. Any requests received after 3pm will be processed the next working day.

You're able to withdraw, in branch, by post or over the phone

Cash

You can only withdraw cash in branch. You'll need your account passbook and can request up to a maximum of £500 in cash daily.

Cheque

You can request a cheque withdrawal in branch, over the phone (if your account allows it) or by writing to us.

You can withdraw up to £250,000 per day for each account in branch. For withdrawals over £250,000, a cheque will be sent to you by post from our Principal Office in Skipton.

If your account allows it and you have set up telephone access, you can call us to request a withdrawal by cheque.

If you wish to withdraw a cheque through the post then please complete our online request form, using the link below.

Electronic payment

You can request a withdrawal by Faster Payment or CHAPS in branch, over the phone or by writing to us (if your account allows it)

Faster Payments

Can be made from Skipton accounts to a nominated bank account up to the value of £100,000. The faster payments scheme aims to make same day payments where the instruction is received before 8pm. Payments may take up to the end of the next working day to arrive, there is no charge to request a Faster Payment withdrawal.

How to request a Faster Payment:

In branch.

By completing a Faster Payment Authorised Bank Account Details Form, you're able to withdraw up to a maximum of £25,000 to an account held in your name in any of our branches.

Over the phone.

You can request up to £100,000 as long as you've set up telephone access. Any withdrawal requests made over the phone after 8pm will be processed the next working day.

To set up telephone access you'll first need to complete the Faster Payment Authorised Bank Account Details Form, we'll then send you further details in the post to complete and return to set up telephone access.

Please note if you have not set up telephone access then you will not be able to withdraw funds over the telephone.

By writing to us.

You can request up to £100,000 by completing a Faster Payments Withdrawal Form and sending it to Customer Delivery, Skipton Building Society, The Bailey, Skipton, North Yorkshire, BD23 1DN.

CHAPS Payments

Can be made from Skipton accounts up to the value of £1,000,000. CHAPS payments allow you to make same working day withdrawals, as long as the instruction is received before 3:30pm.

How to request a CHAPS payment:

Please note:

• There is an administration charge of £6.00, which can be deducted from your account or paid in branch upon the CHAPS payments being requested.
• Any requests that are received before the payment cut-off time of 3.30pm will arrive in your nominated account by close of business that day dependent on the receiving bank's processing times. Any requests received after 3.30pm will be processed the next working day.
• If your payment is to a third party payee, we will also require the third party payee’s name and address, not the bank address.

In branch.

We'll need to see a piece of signed photographic ID for you, unless you're sending the funds to an account held in your name and address.

Over the phone.

You can request a CHAPS payment to an account in your name as long as you've set up telephone access.

To set up telephone access you'll first need to complete the Faster Payment Authorised Bank Account Details Form. We'll then send you further details in the post to complete and return to set up telephone access.

By writing to us.

You can request up to £100,000 by completing a Faster Payments Withdrawal Form and sending it to Customer Delivery, Skipton Building Society, The Bailey, Skipton, North Yorkshire, BD23 1DN.