Cash ISA

Skipton Building Society 3 Year Fixed Rate Cash ISA Review

A competitive three-year cash ISA from Skipton Building Society. It ranks 14th of 28 three-year cash ISAs we track.

Fixed rate · 3 years

4.72%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 240 days interest penalty

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 14th of 28

3-year cash ISAs we track

Above average
This account 4.72%
UK CPI (Aug 2026)
3.10%
Pays 1.62% more
Average 3-year cash ISA
4.61%
Pays 0.11% more
Best 3-year cash ISA
5.11%
Pays 0.39% 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 3 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£148

At 4.72% AER

£5,000 saved

£742

At 4.72% AER

£10,000 saved

£1,484

At 4.72% AER

£20,000 saved

£2,968

At 4.72% AER

Estimated over the 36-month term, 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 3 Year Fixed Rate Cash ISA

Jan WatermannCo-Founder, DepositScout

Skipton's 3 Year Fixed Rate Cash ISA pays 4.72%, which sits near the market average for cash ISAs and is 0.40% behind the current category leader at 5.12%, so it is not a standout rate. That said, 4.72% does beat August 2026 CPI of 3.1% by 1.62%, meaning your money grows in real terms. The main catch is the lock-in: no withdrawals are permitted during the three-year term, and early closure costs you 240 days of interest. With a £500 minimum and a £20,000 cap, this suits a patient ISA saver who has already shopped around.

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2 alternatives to Skipton Building Society's 3 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 3 Year Fixed Rate Cash ISA

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