Cash ISA

Skipton Building Society Four Access Cash ISA Saver Review

A competitive cash ISA from Skipton Building Society. It ranks 50th of 137 cash ISAs we track.

Variable rate

3.65%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

Up to 4 withdrawals/year plus closure

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 50th of 137

Cash ISAs we track

Above average
This account 3.65%
UK CPI (Aug 2026)
3.10%
Pays 0.55% more
Average cash ISA
2.98%
Pays 0.67% more
Best cash ISA
4.87%
Pays 1.22% less

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

A better-paying alternative

Trading 212 bank logo

Trading 212

Cash ISA

4.60%

AER

  • Pays 0.95% more than this Skipton Building Society account
  • Includes a 1.00% bonus for 12 months, then 3.60%
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Pros and cons

  • Pro: New and existing savers
  • Con: The rate is variable, so it can go down

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Estimated returns with Skipton Building Society's Cash ISA

What you could earn with Skipton Building Society's Four Access Cash ISA Saver.

Estimated interest

£1,000 saved

£36.50

At 3.65% AER

£5,000 saved

£182

At 3.65% AER

£10,000 saved

£365

At 3.65% AER

£20,000 saved

£730

At 3.65% 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 Four Access Cash ISA Saver

Jonny PeaseCo-Founder, DepositScout

Skipton's Four Access Cash ISA Saver pays 3.65%, which is below the market average for cash ISAs and 1.47% behind the category leader at 5.12%, so it is hard to recommend on rate alone. The account does at least beat August 2026 CPI of 3.1% by 0.55%, and it accepts transfers in with a minimum balance of just £1, making it accessible for smaller savers. The real catch is the four-withdrawal limit per year, which removes the full flexibility you might expect from an easy-access ISA. If you want something similar but better priced, Tembo's Standard Cash ISA is currently paying 4.00%.

Compare Cash ISAs

2 alternatives to Skipton Building Society's Four Access Cash ISA Saver

Same type of account, closest on rate.

Common questions about the Four Access Cash ISA Saver

D

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Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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