Compare Skipton Building Society ISAs

Compare ISAs from Skipton Building Society and other ISA options available.

Investment ISAs put your capital at risk & you may get back less than you originally invested

Stocks & Shares ISA

from Interactive Investor

Regular Savings
Allows ISA Transfers
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds
  • Invest From: £25 pm
See Deal The best things in life are free trades. Open a new ISA and get £100 free trades. Offer ends 30 April. Capital at risk. Terms Apply.

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk.

Stocks & Shares ISA

from InvestEngine

Regular Savings
Allows ISA Transfers
  • Fund Choice: Offering commission-free DIY investing or low-cost, professionally managed income or growth portfolios built for you
  • Invest From: £100
See Deal Top-up or transfer to InvestEngine by 30/04/24 and receive a bonus of up to £2,500 (Capital at risk, Ts&Cs apply)

Why we like it: Make the most of the world’s best ETFs commission free. Build your own portfolio commission free or leave it to our experts for just 0.25%. Zero‑ISA fees. Choice of 600+ ETFs. Low cost, diversified, index-tracking of stock markets, bonds and commodities. DIY or Managed. Capital at Risk

Stocks & Shares ISA

from Nutmeg

ISA Option
Allows ISA Transfers
  • Fund Choice: Nutmeg offer 5 diversified portfolios with ETFs, using technology to keep charges low
  • Invest From: Min. £500 single

Why we like it: Get an intelligent stocks & shares ISA portfolio – Choose a portfolio that’s fully managed by our expert team or a fixed allocation portfolio. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500. Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see our fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Authorised and regulated by the FCA. Capital at risk. Tax treatment depends on your individual circumstances and may change in the future. Capital at risk. Approved by Nutmeg 24/02/2023

Stocks & Shares ISA

from Moneybox

ISA Option
Allows ISA Transfers
  • Fund Choice: Choose from a range of 36 funds and ETFs and 20 US stocks. Select one of three simple starting options with a range of tracker funds or build your own investment portfolio by customising your investment options
  • Invest From: £1

Why we like it: Choose from a range of 36 funds and ETFs and 20 US stocks to invest with Moneybox. Earn 3.8% AER Variable on any uninvested cash you hold. There are additional fees charged directly by the fund provider. Please check the key investor information document (KIID) for a particular fund for more information. Keep things simple and get started with one of our three starting options: Cautious, Balanced or Adventurous – and customise your investments to align with your values. Open with as little as £1. When investing, your capital is at risk

Stocks & Shares ISA

from Wealthify

Regular Savings
Allows ISA Transfers
  • Fund Choice: 10 managed portfolios to choose from. Choose your risk profile and have an investment Plan built and managed for you
  • Invest From: £1
See Deal Open or transfer an ISA or Pension to Wealthify, and you could earn between £50 to £500 cashback when you invest at least £1,000. Offer registration closes on 20th May, 2024. New customers only. T&Cs apply. Capital at risk

Why we like it: Choose your level of risk from cautious to adventurous and have a plan expertly created and managed for you. Create multiple Plans – including Ethical Plans – with different risk levels. Invest as little or much as you like, add regular payments and top up whenever you like. Withdraw money or transfer out without notice or penalty fees. Wealthify app lets you check how your Plan is performing, manage your transactions and provide investment news and insights. Simple annual management charge of 0.6%

Stocks & Shares ISA

from AJ Bell

Regular Savings
Allows ISA Transfers
  • Fund Choice: Invest in over 2,000 funds, shares and more across 25 markets
  • Invest From: £25 pm

Why we like it: Invest in over 2,000 funds, shares and more across 25 markets. Invest from £25 per month. Which? Recommended Provider for Investment Platforms 2019–2023. Low-cost online dealing from £3.50.  Open your account in minutes from app or website, manage your portfolio on the move. FSCS protected. Capital at risk

Stocks & Shares ISA

from Freetrade

ISA Option
Allows ISA Transfers
  • Fund Choice: Invest in 6,100+ US, UK & European stocks & ETFs commission-free
  • Invest From: £2
See Deal Sign up to Freetrade and you'll get a free share worth £10 to £100. T&C's apply

Why we like it: Commission-free investing: No fees for buying or selling stocks (other charges may apply). Support: Fast and friendly customer support. A wide range of investments: 6,100+ US, UK, and European stocks, ETFs, and investment trusts. Low monthly fees: From £4.99/month. Capital at risk. Other charges may apply

Stocks & Shares ISA

from Shepherds

Regular Savings
Allows ISA Transfers
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term
  • Invest From: £30 pm

Why we like it: You don’t have to make any tricky investment decisions; your money will be invested in Shepherds With Profits Fund, and the bonuses you could receive will depend on the future performance of the fund. To try to achieve higher returns for you, your money is invested in a variety of assets, the majority of which consist of stocks and shares, but also property, bonds and cash. While returns are not guaranteed in stocks and shares investments and the value can go down as well as up, Shepherds apply a process known as ‘smoothing’ that attempts to even out fluctuations in the value and aims to keep a consistent level of bonus payments. Capital at risk.

Stocks & Shares ISA

from Best Invest

ISA Option
Regular Savings
Allows ISA Transfers
  • Fund Choice: Over 2,500 funds, UK shares, investment trusts and ETFs or choose Ready Made & Managed Portfolios
  • Invest From: No minimum

Why we like it: Pick your own investments or choose a Ready-made Portfolio. Some of the lowest investment ISA account fees available. Tiered service fees of 0.2% or less a year, no set-up fees and share dealing for just £4.95 per trade. You don’t pay anything to open your ISA or buy funds, and share dealing costs just £4.95 per trade. Voted Best ISA Provider at the City of London Wealth Management Awards 2020. Capital at risk.

Stocks & Shares ISA

from Hargreaves Lansdown

Regular Savings
Allows ISA Transfers
  • Fund Choice: Choose from over 3,000 funds, shares, investment trusts and more to build your portfolio
  • Invest From: £25 pm or £100 lump sum

Why we like it: Hargreaves Lansdown are the UK’s no. 1 investment platform for private investors – kickstart your investing with their award-winning ISA. Choose your own investments with expert research and ideas to help you, or simply pick a ready-made portfolio. Manage via website, app or phone. Capital at risk.

Investment ISA

from Barclays

Regular Savings
Allows ISA Transfers
  • Fund Choice: Invest in over 2,000 funds, plus Exchange Traded Funds, Investment Trusts, UK & International shares and more. Five Ready-made Investment funds if you’re not sure where to invest. Capital at risk.
  • Invest From: £50

My Money Builder Select ISA

from Scottish Friendly

ISA Option
Regular Savings
Allows ISA Transfers
  • Fund Choice: Invested in a single fund - the Unitised With-Profits fund. A mixed managed fund from Scottish Friendly where premiums are pooled with those of other clients and returns are linked to the performance of the underlying assets within the fund
  • Invest From: £10 pm o r £100 single

Why we like it: Invest from only £10 a month, lump sums from just £100 or a combination of both using your tax-free Investment ISA allowance. You can stop, restart, raise or lower your payments or your investments and cash in whenever you want. When you set up a My MoneyBuilder Select (ISA), your money will be invested in a single fund – the Unitised With-Profits fund. A mixed managed fund from Scottish Friendly where premiums are pooled with those of other clients and returns are linked to the performance of the underlying assets within the fund. Remember the value of investments can go down as well as up, and you could get back less than you’ve paid in. If you cash in before the end of 5 years there will be a £50 deduction from your cash-in value.

Stocks & Shares ISA

from Moneyfarm

Regular Savings
Allows ISA Transfers
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500

Why we like it: Answer questions about your goals, financial situation and attitude to risk, and Moneyfarm will recommend the right ISA portfolio for you, built and managed by experts to help your money grow. You’ll always be invested in a portfolio that’s suitable for you, and you can manage this through the Advice Centre. See what you’re invested in, how you’re performing and how much you’re paying anywhere and any time with the Moneyfarm app. Add money to your ISA by setting up a direct debit, investing a lump-sum, or by transferring old ISAs for free. Capital at risk.

Share Dealing ISA

from IG

Allows ISA Transfers
  • Trade From (frequent trader rate): £3.00
  • Trade From (standard trader rate): £8.00

Good to know: Pay zero commission on US share trades, and just £3 on UK share trades, when you trade three or more times a month with IG. No admin or transfer fees. Custody fee of £24 per quarter, charged if you hold share dealing or ISA assets at the end of the quarter. Capital at risk. Spread bets and CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 70% of retail investor accounts lose money when trading spread bets and CFDs with this provider

Stocks & Shares ISA

from Fidelity

Regular Savings
Allows ISA Transfers
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK. With online guidance tools and expert fund ideas to help you choose
  • Invest From: £25 pm

Why we like it: This award-winning ISA has an extensive range of investment options, including thousands of funds and shares, plus a guidance service to help you find investment ideas. There is a low service fee (typically 0.35%), easy online application process and apps to manage your money on the move. Additional charges apply depending on your choice of investments. Plus, everything is backed by Fidelity’s 50 years of investment experience. Boring Money Best Buy ISA 2023

Stocks & Shares ISA


  • Fund Choice: TILLIT filter the market and select the best-in-class active and passive funds across asset classes, regions and styles

Why we like it: Let Tillett filter the market for you. From well-known classics to trailblazers and wildcards. No one needs 5,000 funds. Get breadth and variety, without the choice paralysis

Stocks & Shares ISA

from ChipX

ISA Option
Allows ISA Transfers
  • Fund Choice: Save and invest across investment funds, cash savings, and real assets
  • Invest From: No minimum

Why we like it: Chip is an award-winning wealth management app designed for our generation. The UK’s only app that enables you to invest in unique and iconic real assets, as well as investment funds and savings accounts. Save and invest your way, or use our clever tech to build wealth automatically. Our range of diversified investment funds are managed by some of the world’s biggest asset managers, like BlackRock. Invest in things that matter to you, like Clean Energy and Healthcare Innovation, or explore funds that match a wide range of risk appetites, from Cautious to Adventurous. Or, if you want to build up your cash savings, we work with UK partner banks to bring you free FSCS protected savings accounts with competitive interest rates. Chip does not provide tax advice. Tax treatment depends on individual circumstances and may be subject to change in the future When investing, your capital is at risk

Who are Skipton Building Society?

Skipton Building Society were founded in 1853 in Skipton, Yorkshire, and today are one of the largest building societies in the UK.

The building society offers a range of financial services to its members including:

  1. Savings and investment accounts
  2. Financial planning and advisory services
  3. Mortgages and insurance products

Among Skipton’s range of savings and investment accounts are Cash ISAs and Stocks and Shares ISAs.

Skipton’s Cash ISAs are available to all customers including non-advised investors; however, their Stocks and Shares ISA is only available to customers receiving financial advice.

What is an ISA account?

An ISA account is a type of savings and investment account that is completely free of the following forms of tax:

  • Income tax

You usually pay this on interest earned in a cash savings account and on dividends you receive from stock investments.

  • Capital Gains Tax

You usually pay this on the growth of your stock investments if you make a profit when you sell them.

HMRC permits all individuals to invest up to £20,000 in ISA accounts in the current tax year, and this allowance can be split between Cash ISAs and Stocks and Shares ISAs.

For example, you can invest £5,000 in a Cash ISA and £15,000 in a Stocks and Shares ISA in the same tax year.

What’s the difference between a Cash ISA and a Stocks and Shares ISA?

Cash ISAs and Stocks and Shares ISAs have the same tax benefits and account rules, but vary in the underlying assets they invest in.

Cash ISAs are like regular savings accounts that generate interest earnings on your cash balance.

Stocks and Shares ISA are investment accounts that allow you to invest your ISA funds in the stock market.

Cash ISA summary:

  • Cash ISA savings cannot decrease in value.
  • Benefit from a fixed or variable rate of interest on your cash savings.
  • Fixed interest rates are higher, but you are committed to a fixed term between 1 and 5 years, during which you are charged for withdrawals.
  • Variable ISA interest rates are lower, but you have greater flexibility for withdrawals.
  • Interest rates are currently very low across the UK, so the return potential on your savings is fairly low.

Stocks and Shares ISA summary:

  • S&S ISAs allow you to invest in the stock market through shares, managed funds and other investment vehicles.
  • You can either pick investments yourself or choose a ready-made ISA portfolio that’s managed by professionals.
  • You‘ll be charged an annual fee by your Stocks and Shares ISA provider and any fund managers you invest with.
  • The potential for greater returns is higher compared to Cash ISAs, but the value of your investments can fall as well as rise so you could get back less than what you originally invest.
  • You can usually withdraw free of charge from a Stocks and Shares ISA whenever you need to.

What type of Cash ISA does Skipton Building Society offer?

1. Skipton offer two types of Cash ISAs:

  • Skipton BS Easy-Access Cash ISA
  • Variable rate of interest
  • Unlimited free withdrawals
  • Save from just £1
  • Open a Cash ISA online, over the phone, by post or in branch

2. Skipton BS Fixed Rate ISAs

  • Guaranteed rate of interest
  • Fixed terms from 1 to 5 years
  • The longer the term, the higher the interest rates
  • Save from £500
  • No withdrawals are permitted, and early account closures incur losing some of your interest

Can I transfer my existing ISA into a Skipton Building Society Cash ISA?

Yes, you can transfer any existing Cash or Stocks and Shares ISAs you own into a new Skipton Cash ISA.

  • To do this, you will need to complete an ISA transfer form with Skipton BS.
  • They will then carry out your ISA transfer on your behalf and notify you when it is complete.

Does an ISA transfer count towards your ISA allowance?

If you use an official ISA transfer form, your ISA transfers do not count towards your annual ISA allowance.

This means that you can transfer as many ISAs as you want in one tax year, without worrying about going over the £20,000 ISA limit.

Remember – make sure you do not simply withdraw from your existing ISA and then contribute the funds to your new ISA. This will result in your ISA funds losing their ISA status, so when you add them to your new ISA it will take away from your annual allowance.

What type of Stocks and Shares ISA does Skipton Building Society provide?

At the time of writing, Skipton Building Society’s Stocks and Shares ISA account is only available to customers receiving financial advice.

This means that you cannot invest in a Skipton Stocks and Shares ISA without speaking to one of their financial advisers first who will help you with your investment decision.

Frequently Asked Questions

Am I committed to one ISA provider forever?

No. You can switch providers with an ISA transfer if you wish. You can also contribute to other ISA providers in separate tax years.

Are ISA accounts safe?

ISA accounts are authorised and regulated by the Financial Conduct Authority (FCA). This means that all ISA providers are covered by the Financial Services Compensation Scheme (FSCS) for up to £85,000 if they go out of business.

Please note that this may not apply to the underlying holdings within a Stocks and Shares ISA, and will not cover standard investment losses. 

Can I lose money in an ISA?

You can lose money in a Stocks and Shares ISA if your investments go down in value. You cannot lose money with a Cash ISA.

Can I withdraw money from an ISA?

For Cash or Stocks and Shares ISAs, yes, although some Cash ISAs may charge a fee or void your interest if you surrender your policy before the fixed term has ended.

How do I withdraw money from my ISA?

Most providers will allow you to withdraw from your ISA online, via a mobile app, telephone, or by written instruction in the post.

How long does it take to withdraw from an ISA?

Most ISA withdrawals will complete in approximately five working days, but they could take longer depending on the assets you need to sell.

How much can I contribute to an ISA?

The annual ISA allowance is set by HMRC each year, and the current limit is £20,000 per person for the 2023/24 tax year.

When does the ISA tax year run to?

The annual ISA allowance runs in line with the normal tax year, which is 6th April to 5th April the following year. Your ISA allowance will refresh on 6th April each year.

Will I be charged for an ISA?

A Stocks and Shares ISA provider will charge an ongoing, annual platform fee as well as some ad hoc charges.

A Cash ISA could also charge if you withdraw money before the end of a fixed-term investment.