Cash ISA

Skipton Building Society 1 Year Fixed Rate Cash ISA Review

A one-year cash ISA from Skipton Building Society. It ranks 33rd of 47 one-year cash ISAs we track.

Fixed rate · 1 year

4.15%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

£20,000

Access

No withdrawals; early closure 60 days interest penalty

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 33rd of 47

1-year cash ISAs we track

Below average
This account 4.15%
UK CPI (Aug 2026)
3.10%
Pays 1.05% more
Average 1-year cash ISA
4.37%
Pays 0.22% less
Best 1-year cash ISA
4.92%
Pays 0.77% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

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Estimated returns with Skipton Building Society's Cash ISA

What you could earn with Skipton Building Society's 1 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£41.50

At 4.15% AER

£5,000 saved

£208

At 4.15% AER

£10,000 saved

£415

At 4.15% AER

£20,000 saved

£830

At 4.15% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on Skipton Building Society 1 Year Fixed Rate Cash ISA

Jan WatermannCo-Founder, DepositScout

Skipton's 1 Year Fixed Rate Cash ISA pays 4.15%, which is below the market average for cash ISAs and 0.97% behind the category leader at 5.12%, so it is hard to recommend on rate alone. It does beat August 2026 CPI of 3.1% by 1.05%, which at least preserves real value. You need at least £500 and can deposit up to £20,000, but the money is locked for the year with a 60-day interest penalty for early closure. Kent Reliance's Easy Access Cash ISA offers 4.24% without that lock-in.

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2 alternatives to Skipton Building Society's 1 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 1 Year Fixed Rate Cash ISA

D

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