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Skipton Building Society 5 Year Fixed Rate Cash ISA Review4.77% AER (Sep 2026)

Cash ISA from Skipton Building Society

Protection

FSCS

Up to £120,000

Min balance

£500

Max balance

£20,000

Access

5 Years

Interest paid

Monthly/
Annually

Transfers in

Accepted

  • Savers happy with a £20,000 cap

Additional Info

Joint accounts aren’t allowed.

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Estimated returns with Skipton Building Society's Cash ISA

Want to know how much interest you will receive with Skipton Building Society's 5 Year Fixed Rate Cash ISA?

Estimated interest

£1,000 saved

£262

At 4.77% AER

£5,000 saved

£1,312

At 4.77% AER

£10,000 saved

£2,624

At 4.77% AER

£20,000 saved

£5,247

At 4.77% AER

Estimated over the 60-month term, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on Skipton Building Society 5 Year Fixed Rate Cash ISA

Skipton's 5 Year Fixed Rate Cash ISA pays 4.77% and suits someone who wants to shelter a lump sum from tax and is genuinely comfortable leaving it untouched for five years, since that is the real catch here. You need at least £500 to open it and the cap sits at £20,000, which lines up neatly with the annual ISA allowance. Transfers in are accepted, so consolidating old ISA money is straightforward. If five years feels too long, OakNorth Bank's 12 Month Fixed Rate Cash ISA is currently matching that same 4.77% rate with a much shorter commitment.

Compare Cash ISAs

3 alternatives to Skipton Building Society's 5 Year Fixed Rate Cash ISA

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