Skipton Building Society Cash ISAs
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- Term: Easy Access *Up to three withdrawals can be made within each 12-month without affecting the interest rate. More than three withdrawals made within each 12-month period, a lower rate of 3.00% (variable) will be applied
- Invest From: £1
Mobile App only account. *Includes a bonus of 0.88% AER (variable) if account held for 12 months. Transfer in any ISAs you hold with other providers. Interest rates drop if more than three withdrawals per year. Covered by FSCS. Rate when you transfer in your existing ISA – 4.29% AER (variable). Rate for each 12-month period after your first 12 months – 4.29% AER (variable). Rate when balance drops below £100 or after your fourth annual withdrawal – 3.00% AER (variable). Must be UK resident and be aged 18 or older
- Term: Easy Access. *Up to three withdrawals can be made within each 12-month period from the date of opening without affecting the interest rate. More than three withdrawals made within each 12-month period, a lower rate of 0.75% (variable) will be applied
- Invest From: £500
Mobile App only account. *The Moneybox Cash ISA includes a 4.25% AER variable underlying rate and a bonus rate of 0.91% for the first 12 months. Up to three withdrawals can be made within each 12-month period from the date of opening without affecting the interest rate. Transfer in any ISAs you hold with other providers into a Moneybox Cash ISA, entirely in-app. Covered by FSCS. If more than three withdrawals made within each 12-month period, a lower rate of 0.75% (variable) will be applied for the rest of that 12-month period. The lower interest rate of 0.75% will also apply if the account balance dips below £500, automatically returning to the higher interest rate when the balance returns to £500 or more again. Must be UK resident and be aged 18 or older
- Term: Easy Access
- Invest From: £1,000
Interest paid annually. Unlimited deposits and withdrawals. ISA transfers also allowed in. Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older
- Term: Easy Access
- Invest From: £1
Interest can be paid monthly or annually. Flexible ISA – you can replace any cash you withdraw from your ISA within the same tax year without it counting towards your annual ISA allowance. Unlimited deposits and withdrawals. ISA transfers in allowed. FSCS Protected. Must be UK resident and aged 16 or older
- Term: Instant Access
- Invest From: £1
Low minimum deposit. Interest paid annually. Unlimited deposits and withdrawals. ISA transfers also allowed in. Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older
- Term: 1 Year
- Invest From: £100
Interest paid at maturity. ISA transfers also allowed in. Tax free interest. FSCS Protected. Must be UK resident and be aged 16 or older. No withdrawals permitted. Closure permitted with 60 days’ loss of interest
- Term: 1 Year
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 90 days lost interest
- Term: 1 Year, with option to make three free withdrawals
- Invest From: £1
Make up to three withdrawals during the 12-month term of this account. Tax free ISA account. Open with £1 or transfer in existing ISA funds. Invest up to £20,000 per tax year. Manage your account online. Interest paid at maturity. FSCS Protected. Must be UK resident and aged 16 or older. Make more than three withdrawals and the rate drops to 2.15% AER/gross p.a. (variable). Not available in branch
- Term: 2 Years
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 180 days lost interest
- Term: 3 Years
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 240 days lost interest
Skipton Building Society Cash ISAs
Skipton Building Society currently provides the following cash ISA options:
- Skipton Cash ISA Saver – This account requires a minimum opening and operating amount of £1, and is available in both branch-based and online-only versions. Customers can choose between monthly or annual interest payments, and withdrawals or ISA transfers are allowed on this account at any time without penalty.
- Skipton Fixed Rate Cash ISA – This account is available in both offline and online versions, both offering a fixed interest rate throughout the term of the account. The minimum opening and operation balance for the Skipton fixed-rate cash ISA is £500, and the account is available on terms of one to five years. Withdrawals and transfers made during the account term will be subject to a 180-day interest penalty (or a 240-day penalty in the case of 5 year fixed term accounts).
- Skipton Junior Cash ISA – This account allows customers to save for their child’s future. You can open a Skipton Junior ISA with as little as £1, and the money remains locked up in the account until the child reaches 18. Because they can’t spend the cash as impulsive teenagers, it’s a good way to save for higher education or even for a deposit on their first home.
History
Skipton and District Permanent Benefit Building Society was founded in 1853 by George Kendall. In 1928, the name was shortened to Skipton Building Society after a new head office was opened on Skipton Street. This office is still the location of the Skipton branch today. Skipton Building Society continued to grow throughout the rest of the 20th century, via a series of mergers with other societies. In the 1980s, Skipton launched two subsidiaries – Homeloan Management Ltd and Skipton Financial Services Ltd.
Current Information
Today, Skipton Building Society continues to thrive, with assets of more than £14 billion, 100 branches across the UK, and 8,000 staff. The company offers savings and investments, mortgage loans, insurance and financial planning advice to their customers.