Skipton Building Society

Established in 1853, Skipton is the UK's fourth largest building society.

Skipton is a mutual, meaning that its members (account holders) own it, rather than private investors.

As well as its traditional savings and loan business, the Skipton Group also offers insurance and owns the Connells estate agency chain.

Skipton Building Society offers savings accounts, mortgages and home insurance provided by Legal & General. It does not offer a current account.

Their headquarters are in Skipton, North Yorkshire.

Skipton Building Society
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Gold ribbon: first place

Mortgages

Ranked 7th of 23 providers reviewed.

Customer happiness 60.15%
Customer trust 57.52%
Complaints performance 75.51%
Transparency rating 72.52%
Fairer Finance score
Reviewed Autumn 2022		 66%
Gold ribbon: first place

Savings Accounts

Ranked 7th of 50 providers reviewed.

Customer happiness 65.85%
Customer trust 66.8%
Complaints performance 74.51%
Transparency rating 81.77%
Fairer Finance score
Reviewed Autumn 2022		 72%

Notice Savings Accounts

Up to 180 Day Notice Accounts

Skipton Building Society

120 Day Notice Account Issue 11

Interest Rate (AER) i 3.25%
Part of FSCS i
Notice Period 120 days
Minimum Opening Balance i £1.00
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Early withdrawals allowed? i
Withdrawal Penalty i Earlier access costs 120 days interest

Up to 60 Day Notice Accounts

Skipton Building Society

60 Day Notice Account Issue 5

Interest Rate (AER) i 3%
Part of FSCS i
Notice Period 60 days
Minimum Opening Balance i £1.00
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Early withdrawals allowed? i
Withdrawal Penalty i Earlier access costs 60 days interest

Savings Accounts

1 Year Fixed Rate Accounts

Skipton Building Society

1 Year Fixed Rate Branch Bond Issue 206

Interest Rate (AER) i 3.5%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. Unless you instruct them the money will be transferred into a fixed term account with similar terms. You can withdraw the money from this account during the first 21 days.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Skipton Building Society

1 Year Fixed Rate Bond Issue 206

Interest Rate (AER) i 3.5%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. Unless you instruct them the money will be transferred into a fixed term account with similar terms. You can withdraw the money from this account during the first 21 days.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

2 Year Fixed Rate Accounts

Skipton Building Society

2 Year Fixed Rate Bond Issue 206

Interest Rate (AER) i 4%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. Unless you instruct them the money will be transferred into a fixed term account with similar terms. You can withdraw the money from this account during the first 21 days.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Skipton Building Society

2 Year Fixed Rate Branch Bond Issue 206

Interest Rate (AER) i 4%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. Unless you instruct them the money will be transferred into a fixed term account with similar terms. You can withdraw the money from this account during the first 21 days.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

3 Year Fixed Rate Accounts

Skipton Building Society

3 Year Fixed Rate Bond Issue 206

Interest Rate (AER) i 4.35%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. Unless you instruct them the money will be transferred into a fixed term account with similar terms. You can withdraw the money from this account during the first 21 days.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Skipton Building Society

3 Year Fixed Rate Branch Bond Issue 206

Interest Rate (AER) i 4.35%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. Unless you instruct them the money will be transferred into a fixed term account with similar terms. You can withdraw the money from this account during the first 21 days.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Easy Access Accounts

Skipton Building Society

Easy Access Saver Issue 2

Interest Rate (AER) i 2.85%
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Skipton Building Society

Everyday Saver Issue 13

Interest Rate (AER) i 2.85%
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Skipton Building Society

Trust Saver Issue 2

Interest Rate (AER) i 2.5%
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £10,000.00
Minimum Age to Open Account i 0
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Available to those who want to fund an account to be held in a new bare trust or to appointed trustees
Penalty free withdrawals? i

Skipton Building Society

Base Rate Tracker Account Issue 4

Interest Rate (AER) i 2.9%
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i Tracks 1.10% below the Bank of England base rate.
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Skipton Building Society

Branch Base Rate Tracker Account Issue 4

Interest Rate (AER) i 2.9%
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i Tracks 1.10% below the Bank of England base rate.
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Skipton Building Society

1 Year Fixed Rate Cash ISA Issue 206

Interest Rate (AER) i 3.5%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account reaches maturity. If they receive no further instruction the funds will be transferred into a 1 year fixed term ISA.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 90 days interest, you could get back less than you paid in.
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Skipton Building Society

1 Year Fixed Rate Branch Cash ISA Issue 206

Interest Rate (AER) i 3.5%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account reaches maturity. If they receive no further instruction the funds will be transferred into a 1 year fixed term ISA.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 90 days interest, you could get back less than you paid in.
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

2 Year Fixed Rate ISAs

Skipton Building Society

2 Year Fixed Rate Cash ISA Issue 206

Interest Rate (AER) i 4%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account reaches maturity. If they receive no further instruction the funds will be transferred into a 1 year fixed term ISA.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Skipton Building Society

2 Year Fixed Rate Branch Cash ISA Issue 206

Interest Rate (AER) i 4%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account reaches maturity. If they receive no further instruction the funds will be transferred into a 1 year fixed term ISA.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

Skipton Building Society

Cash ISA Saver Issue 18

Interest Rate (AER) i 2.7%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Skipton Building Society

Cash ISA Tracker Issue 4

Interest Rate (AER) i 2.75%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Skipton Building Society

Branch Cash ISA Tracker Issue 4

Interest Rate (AER) i 2.75%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Skipton Building Society

Branch Cash ISA Saver Issue 1

Interest Rate (AER) i 2.7%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Junior ISAs

Skipton Building Society

Junior Cash ISA Issue 5

Interest Rate (AER) i 4%
Part of FSCS i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 0
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Are early withdrawals allowed? i
Conditions of early withdrawal i
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Lifetime ISAs

Skipton Building Society

Online Cash Lifetime ISA Issue 4

Interest Rate (AER) i 2.25%
Part of FSCS i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Withdrawal Penalty i Withdrawals are charged at 25%
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i
Additional Information i 39