Super Tracker

This account might be right for you if:

  • you want a variable rate of interest that will go up or down in line with changes to the Bank of England Base Rate until 30 June 2020
  • you’re happy to accept limited access to your money, with only two partial withdrawals permitted each year until 30 June 2020
  • you have a lump sum of £1,000 or more to deposit.

This account might not be right for you if:

  • you want the security of a fixed rate of interest that’s guaranteed for a set amount of time
  • you want to be able to make unlimited withdrawals
  • you want to open and manage your account online.

Summary Box

Account name Super Tracker
What is the interest rate?
Annual Interest 1.02% gross pa/AER variable
  • The rate of interest is guaranteed to track 0.52% above the Bank of England Base Rate until 30 June 2020. To access and monitor the Bank of England Base Rate
  • If the Bank of England Base Rate changes, the new interest rate on your account will apply no more than 14 days after the change is effective.
  • Interest is earned daily and paid annually on 30 June.
Monthly Interest: No monthly interest option available.
Can Skipton Building Society change the interest rate?
  • The rate of interest is variable and could move either up or down dependent on the Bank of England Base Rate.
  • Section 22 of our Savings Account Terms and Conditions explains why we may change the interest rate.
  • We’ll notify you before any drop in your interest rate.
What would the estimated balance be at the end of the fixed term based on a £1,000 deposit?
  • The estimated balance after the fixed term would be £1,021 assuming that;
    • the account is opened on 31 May 2018 with £1,000 and interest starts being earned straight away
    • no further deposits or any withdrawals are made
    • the interest is paid annually and added to the account.
    • the interest rate stays at 1.02% until the end of the fixed term.
  • The estimated balance is based on the Bank of England Base Rate as at 31 May 2018 and doesn’t take into account any changes to this rate during the fixed term.
  • Estimated balances are for illustrative purposes only and may be less for accounts opened by debit card or cheque.
How do I open and manage my account?
  • This account is available to UK residents aged 16 or over and can only be opened and managed in any of our branches, by post or by telephone.
  • The first payment into the account can be by cash (branch only), debit card, cheque or internal transfer from another Skipton account. After that, you can also pay in by electronic payment (but not direct debit) or by standing order.
  • You can save from £1,000 up to £1 million per account
  • Joint accounts are allowed.
Can I withdraw money?
  • Subject to the £1,000 minimum operating balance, you can make two partial withdrawals in branch, by telephone or by post during each of the following periods:
    • from account opening until 30 June 2018
    • 1 July 2018 - 30 June 2019
    • 1 July 2019 - 30 June 2020.
  • You don't need to give us notice and there are no penalties for withdrawals. If you need to make a further withdrawal, you can do so by closing your account
  • After 30 June 2020 (account maturity) your account will automatically transfer into an Easy Access account, which has a variable rate and doesn't track the Bank of England Base Rate, unless you tell us otherwise.
  • We'll contact you before maturity and you can find out more about the maturity process in condition 9 of the further terms and conditions.
Additional information
  • AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added each year. The AER allows you to compare the interest rates on savings accounts. The higher the AER, the better the return on your savings.
  • We pay all 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 the future.
  • Accounts can be withdrawn from sale at any time and without notice.

If you are not satisfied with our services we have an internal complaints procedure. For more information please call us on 0345 850 1722, ask in branch or visit our Complaints page.

The Financial Ombudsman Service provides a free and independent service for consumers, and can be contacted at The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone: 0800 023 4567.

For products and services bought online you can also refer to the Online Dispute Resolution platform (ODR) at As we're a UK building society, the ODR will still refer you to the Financial Ombudsman Service as the alternative dispute resolution body. The Financial Ombudsman Service will refer you back to our complaints process unless you've already been through this.


Things to know before you apply

  • This account can only be opened and managed in branch or by post.

If you are a new customer - where possible, we use an electronic verification system to verify your identity and address, however we can't do this for postal applications, for children under 18 in England, or if you are not on the electoral roll for your current address. For full ID requirements please see our Proving your identity [PDF] document.

It is important that you read the terms and conditions carefully. These contain the details of your agreement with us and any charges for these accounts and we will rely on them for our relationship with you.

Visit your local branch for further information and to open this account.

Branch finder

This account can be applied for over the phone. You can call us or arrange for us to call you back. After you call we will send you pre-completed forms to sign and return.

Call Skipton Direct

Mon - Thurs
8am - 8pm
8am - 5:30pm
9am - 12pm

Phone 0345 850 1722

CallBack Request

If you'd prefer us to call you, simply complete a few details online and we can call you back

This account can be opened by post, download the paper application form below and return with your cheque to the address shown.

Return your form to:

Customer Delivery
Skipton Building Society
The Bailey
North Yorkshire
BD23 1DN

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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