Savings rates
Rates reviewed daily · last updated 30 September 2026
Savings rates
All rates AER · Updated October 2026
Rates shown are AER and correct as of October 2026.
Regular Saver
| Account | AER | Monthly Limit | Interest | Min Balance | |
|---|---|---|---|---|---|
| Regular Saver | 5.75% | £250 | Variable | £0 |
Fixed Rate
| Account | AER | Term | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| 3 Year Fixed Rate Bond | 4.92% | 3 Years | Annually | £500 | |
| 5 Year Fixed Rate Bond | 4.92% | 5 Years | Annually | £500 | |
| 15 Month Fixed Rate Bond | 4.55% | 15 Months | Annually | £500 | |
| 2 Year Fixed Rate Bond | 4.50% | 2 Years | Annually | £500 | |
| 1 Year Fixed Rate Bond | 4.15% | 1 Year | Annually | £500 |
Cash ISA
| Account | AER | Access | Transfers in | Min Balance | |
|---|---|---|---|---|---|
| 5 Year Fixed Rate Cash ISA | 4.77% | 5 Years | Accepted | £500 | |
| 3 Year Fixed Rate Cash ISA | 4.72% | No withdrawals; early closure 240 days interest penalty | Accepted | £500 | |
| 2 Year Fixed Rate Cash ISA | 4.50% | No withdrawals; early closure 180 days interest penalty | Accepted | £500 | |
| 1 Year Fixed Rate Cash ISA | 4.15% | No withdrawals; early closure 60 days interest penalty | Accepted | £500 | |
| Four Access Cash ISA Saver | 3.65% | Up to 4 withdrawals/year plus closure | Accepted | £1 | |
| Six Access Cash ISA Saver | 3.30% | Up to 6 withdrawals/year plus closure | Accepted | £1 | |
| Cash ISA Saver | 2.05% | Flexible withdrawals | Accepted | £1 |
Easy Access
| Account | AER | Access | Interest | Min Balance | |
|---|---|---|---|---|---|
| Two Access Saver | 3.90% | Up to 2 withdrawals/year plus closure | Variable | £1 | |
| Four Access Saver | 3.65% | Up to 4 withdrawals/year plus closure | Variable | £1 | |
| Six Access Saver | 3.30% | Up to 6 withdrawals/year plus closure | Variable | £1 | |
| Easy Access Saver | 2.05% | Instant | Variable | £1 |
Junior ISA
| Account | AER | Access | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| Junior Cash ISA | 3.80% | Locked until 18 | Annually | £1 |
Lifetime ISA
| Account | AER | Access | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| Cash Lifetime ISA | 2.05% | Age 60+ or first home | Annually | £1 |
Is Skipton Building Society FSCS protected?
Yes — FSCS protected up to £120,000
Yes. Skipton Building Society savings are FSCS protected up to £120,000 per person, per banking licence, under Skipton Building Society.
Banking licence: Skipton Building Society
Last checked against the FCA register on 5 October 2026.
See every brand that shares a banking licenceSwitch offers
Who they are
Skipton Building Society is a mutual financial institution founded in 1853 in the town of Skipton, North Yorkshire, and is now the UK's fourth largest building society by total assets. As a mutual, its members - account holders - own it, rather than private investors. That structure has stayed intact through more than 170 years of expansion, mergers and economic cycles, and it means the society's focus is on members rather than outside shareholders.
It serves over 1.3 million members through savings products, mortgages and financial planning services, with a network of 82 branches across England and Wales. Skipton is authorised by the FCA (firm reference 153706) and your eligible deposits are covered by the FSCS up to £120,000 per person. There are no shared-licence brands to worry about - the licence sits with Skipton Building Society alone.
Savings accounts
Skipton's range is genuinely broad. The headline is the Regular Saver at 5.75% AER (variable) - you can pay in up to £250 a month on instant-access terms, which is a clean combination of rate and flexibility.
For lump sums with some flexibility, there are three limited-access easy access accounts. The Two Access Saver pays 3.90% AER with up to two withdrawals a year, the Four Access Saver pays 3.65% and the Six Access Saver pays 3.30%. If you need truly unrestricted access, the Easy Access Saver is available at 2.05% AER - useful as a holding account, but worth knowing there are better rates available if you can accept a withdrawal limit.
Fixed rate bonds start from £500. The 1 Year Fixed Rate Bond pays 4.15% AER, the 15 Month Fixed Rate Bond 4.55% and the 2 Year 4.50%. Longer-term options at 3 and 5 years both pay 4.92% AER - the identical rate at both terms is worth noting, as it suggests the market doesn't expect rates to rise much over that horizon.
On the ISA side, Skipton covers a lot of ground. The 1 Year Fixed Rate Cash ISA pays 4.15% AER (£500 minimum, with a 60-day interest penalty for early closure). The 2 Year Fixed Rate Cash ISA pays 4.50% (180-day penalty), the 3 Year 4.72% (240-day penalty) and the 5 Year 4.77%. Variable Cash ISAs mirror the standard easy access structure. The Junior Cash ISA pays 3.80% AER, locked until the child turns 18, with a minimum of just £1. There's also a Cash Lifetime ISA at 2.05% AER - useful mainly for its breadth of transfer acceptance. As noted on our DepositScout page, the member Regular Saver pays 5.75% on instant-access terms, while a non-member version tracks 1.50% above the Bank of England base rate - a transparent structure that means the rate moves with monetary policy.
All accounts carry FSCS deposit protection up to £120,000 per person. For a joint account, that doubles to £240,000.
Digital experience and service
The Skipton app covers the core tasks - checking balances, reviewing transaction history and transferring funds. The interface is clean and functional rather than feature-rich in the way challenger bank apps tend to be. There are no savings pots or budgeting overlays. What the app does, it does reliably. That said, a notable app redesign in mid-2026 has drawn complaints from some existing customers about login reliability and reduced functionality, so it's worth bearing that in mind if seamless digital access is important to you. Branch staff have consistently been cited in independent customer research as a differentiator - for savers who value a conversation about which account to open, Skipton provides that in a way most online providers cannot.
Is it right for you?
Skipton suits savers who want breadth - regular saving, easy access, fixed bonds and ISAs all in one place - and who value the option of branch support. Those hunting the very highest easy-access variable rate from a pure online challenger may find better elsewhere. The fixed rate bonds and Cash ISAs are genuinely competitive at most terms, and the Regular Saver is a strong choice for anyone drip-feeding savings each month.
All specific rates change over time - check the live figures on this page before you apply.
This overview was generated by DepositScout's AI, Penny on 5 October 2026. It may contain inaccuracies — always confirm rates and terms with Skipton Building Society directly. Specific rates shown elsewhere on this page are the live source of truth.
