Skipton ISA rates

How Skipton's ISA rates compare

Skipton's highest easy access rate is 3.90% AER, on its Two Access Cash ISA Saver. The highest easy access rate in our tables on 30 October 2026 was 4.86% AER.

Rates are set by each provider and can change. Compare every provider in the easy access, fixed rate and notice tables.

Taking money out of a Skipton ISA

5 Year Fixed Rate Cash ISA

No part withdrawals, but you can close the account and take the full balance at any time for a charge of 365 days' interest after the 14-day cancellation period.

3 Year Fixed Rate Cash ISA

No part withdrawals, but you can close the account and take the full balance at any time for a charge of 240 days' interest after the 14-day cancellation period.

19 Month Fixed Rate Cash ISA

No part withdrawals, but you can close the account and take the full balance at any time for a charge of 90 days' interest after the 14-day cancellation period.

2 Year Fixed Rate Cash ISA

No part withdrawals, but you can close the account and take the full balance at any time for a charge of 180 days' interest after the 14-day cancellation period.

1 Year Fixed Rate Cash ISA

No part withdrawals, but you can close the account and take the full balance at any time for a charge of 60 days' interest after the 14-day cancellation period.

Two Access Cash ISA Saver

Two withdrawals a year with no notice or penalty and more only by closing the account, and money replaced in the same tax year doesn't use extra allowance.

Junior Cash ISA

No withdrawals until the child is 18, then only the child can withdraw, and the account moves to an adult easy access Cash ISA.

Four Access Cash ISA Saver

Four withdrawals a year with no notice or penalty and more only by closing the account, and money replaced in the same tax year doesn't use extra allowance.

Six Access Cash ISA Saver

Six withdrawals a year with no notice or penalty and more only by closing the account, and money replaced in the same tax year doesn't use extra allowance.

Cash Lifetime ISA

A 25% government withdrawal charge applies unless you're 60 or over, buying your first home (after the account has been open 12 months), or terminally ill.

Cash ISA Saver

Withdraw any time with no notice or penalty, and money replaced in the same tax year doesn't use extra allowance.

Transferring an ISA to or from Skipton

All 9 of Skipton's adult Cash ISAs accept transfers in from other providers.

How to move an ISA to Skipton

• A Skipton Cash ISA has to be opened first, and a transfer can then be requested during an online setup, in Skipton Online or in the Skipton app.
• In a branch, a Transfer Authority Form is needed, and Skipton requires one form for each ISA transferred.
• Skipton says a Lifetime ISA transferred into a different type of ISA, such as a Cash ISA, is subject to the 25% government withdrawal charge.
• Skipton allows full or partial transfers in of previous tax years' subscriptions from another provider, but a transfer from another Skipton ISA must be the full balance.
• Skipton says the annual ISA allowance does not apply to Cash ISA transfers, so the whole existing Cash ISA balance can be moved if the account terms allow it.
• On the Cash ISA Saver, transferring the full balance away loses the tax-free benefit on any previous years' allowances withdrawn and not paid back in before the account closes.

How long a transfer takes

Skipton aims to complete Cash ISA transfers in within seven business days using the ISA Electronic Transfer System, and says a paper form or cheque may take up to 15 business days. Skipton says transfers in from a stocks and shares ISA, Innovative Finance ISA or Lifetime ISA tend to take 4 to 6 weeks. gov.uk says ISA transfers should take no longer than 15 working days between Cash ISAs, and 30 calendar days for other types of transfer.

Moving an ISA away from Skipton

If both accounts' terms allow it, a variable rate Skipton Cash ISA can move out in part or in full for previous years' subscriptions, but only in full for current year subscriptions. A fixed rate Skipton Cash ISA can only be transferred out in full, and a transfer during the fixed term carries the interest penalty set out in the account terms. On the 18 Month Fixed Rate Cash ISA, closing after the 14 day cancellation period and before the fixed term ends costs 90 days' worth of interest. You can move a Cash ISA from Skipton to another provider at any time. Ask the new provider to arrange the transfer: if you take the money out yourself, it leaves the ISA and paying it in again uses your allowance. A fixed rate ISA usually charges for leaving before the end of its term. See how ISA transfers work.

Transfer details checked on Skipton's own website on 9 October 2026.

Is the Skipton ISA flexible?

4 of Skipton's 9 adult Cash ISAs are flexible: Two Access Cash ISA Saver, Four Access Cash ISA Saver, Six Access Cash ISA Saver and Cash ISA Saver. With a flexible ISA you can take money out and put it back in the same tax year without using more of your allowance.

Good to know before you open one

5 Year Fixed Rate Cash ISA

Closes to payments in and ISA transfers on 11 November 2026. Interest annual or monthly at the same AER. Maximum balance £1 million. No joint accounts.

3 Year Fixed Rate Cash ISA

Closes to payments in and ISA transfers on 11 November 2026. Interest annual or monthly at the same AER. Maximum balance £1 million. No joint accounts.

19 Month Fixed Rate Cash ISA

Closes to payments in and ISA transfers on 2 December 2026. Interest annual or monthly at the same AER. Maximum balance £1 million. No joint accounts.

2 Year Fixed Rate Cash ISA

Closes to payments in and ISA transfers on 2 December 2026. Interest annual or monthly at the same AER. Maximum balance £1 million. No joint accounts.

1 Year Fixed Rate Cash ISA

Closes to payments in and ISA transfers on 2 December 2026. Interest annual or monthly at the same AER. Maximum balance £1 million. No joint accounts.

Two Access Cash ISA Saver

Limited access: two withdrawals a year. The 12 month term runs from your first payment, then it moves to a lower rate Cash ISA. Interest annual or monthly.

Junior Cash ISA

For UK children under 18. A parent or guardian opens it for under 16s; 16 and 17 year olds can open their own. One Junior Cash ISA per child.

Four Access Cash ISA Saver

Limited access: four withdrawals a year. The 12 month term runs from your first payment, then it moves to a lower rate Cash ISA. Interest annual or monthly.

Six Access Cash ISA Saver

Limited access: six withdrawals a year. The 12 month term runs from your first payment, then it moves to a lower rate Cash ISA. Interest annual or monthly.

Cash Lifetime ISA

Ages 18 to 39 only, unless transferring in an existing Lifetime ISA. Paying in is capped at £4,000 a year, within the £20,000 ISA allowance.

Cash ISA Saver

Interest annual or monthly at the same AER. Maximum balance £1 million. No joint accounts. Can be withdrawn from sale at any time.

About Skipton

Legal name

Skipton Building Society

Country of incorporation

United Kingdom

Principal place of business

Skipton, North Yorkshire, UK

Regulatory status

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 153706)

Deposit protection

FSCS, up to £120,000 per person per banking licence

Complaints

Financial Ombudsman Service

This page covers Skipton's Cash ISAs only. We have no commercial relationship with Skipton, and the order of the table is set by rate alone. See how we compare and how we make money.