What interest rate does the Skipton Building Society 19 Month Fixed Rate Bond pay?

The Skipton Building Society 19 Month Fixed Rate Bond pays 4.81% AER, fixed for 19 months.

How much interest could I earn?

Saving £10,000 for 19 months would earn about £772 at 4.81% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £1 and up to £1,000,000.

Can I withdraw my money?

No. Your money is locked in until the fixed term ends, so only put in what you won't need before then.

When is interest paid?

You can choose to have interest paid monthly or annually.

Who can open this account?

New and existing Skipton Building Society customers can open it. You can open it online, in branch, by post, in the app or by phone.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

How does it compare with other fixed rate bonds?

At 4.81% AER it ranks 114th of 303 fixed rate bonds we track. The best pays 5.37% and the average is 4.60%.

Dashboard

Fixed Rate

Skipton Building Society 19 Month Fixed Rate Bond Review

A competitive fixed rate bond from Skipton Building Society, running for 19 months. It ranks 114th of 303 fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 19 months

4.81%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£1,000,000

Access

At maturity only

Interest paid

Monthly/Annually

How It Stacks Up

Ranks 114th of 303

Fixed bonds we track

Above average

This account 4.81%

UK CPI (Aug 2026): 3.10%; Pays 1.71% more
Average fixed bond: 4.60%; Pays 0.21% more
Best fixed bond: 5.37%; Pays 0.56% less

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

Compare fixed bonds

A Good Fit For

Pro: New and existing savers
Pro: Savers who want a monthly income

Worth Weighing Up

Con: Your money is locked in for 19 months

Good to Know

UK residents aged 16+ with a valid email address. Sole or joint (up to two holders; joint accounts cannot be opened in the app). Society-wide maximum £5m per person. At maturity it rolls into a new 1 Year Fixed Rate Bond unless instructed otherwise.

Please verify all details with the provider – see our Disclaimer

See all Skipton Building Society accounts

Estimated returns with Skipton Building Society's Fixed Rate

What you could earn with Skipton Building Society's 19 Month Fixed Rate Bond.

Estimated interest

£1,000 saved

£77.22

At 4.81% AER

£5,000 saved

£386

At 4.81% AER

£10,000 saved

£772

At 4.81% AER

£1,000,000 saved

£77,220

At 4.81% AER

Estimated over the 19-month term, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Skipton Building Society 19 Month Fixed Rate Bond

Jonny PeaseCo-Founder, DepositScout

Skipton's 19 Month Fixed Rate Bond pays 4.81%, which sits below the market average for fixed-rate bonds and 0.56% behind the category leader at 5.37%, so it is not the sharpest deal available right now. That said, 4.81% does beat August 2026 CPI of 3.1% by 1.71%, so your money is at least growing in real terms. The main catch is the complete lack of access until maturity, with no withdrawals or early closure once the 14-day cancellation window has passed. If you want a similar rate with more flexibility on term, Buckinghamshire Building Society's Bucks Fixed Rate Bond offers 4.83%.

Compare Fixed Rate Bonds