Easy Access

Skipton Building Society Two Access Saver Review

A competitive easy access account from Skipton Building Society. It ranks 38th of 152 easy access accounts we track.

Variable rate

3.90%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

Up to 2 withdrawals/year plus closure

Interest paid

Annually

How It Stacks Up

Ranks 38th of 152

Easy access accounts we track

Above average
This account 3.90%
UK CPI (Aug 2026)
3.10%
Pays 0.80% more
Average easy access
2.83%
Pays 1.07% more
Best easy access
5.00%
Pays 1.10% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 0.65% more than this Skipton Building Society account
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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 Easy Access

What you could earn with Skipton Building Society's Two Access Saver.

Estimated interest

£1,000 saved

£39.00

At 3.9% AER

£5,000 saved

£195

At 3.9% AER

£10,000 saved

£390

At 3.9% AER

£50,000 saved

£1,950

At 3.9% 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.

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

Our Expert Opinion on Skipton Building Society Two Access Saver

Jonny PeaseCo-Founder, DepositScout

Skipton's Two Access Saver pays 3.9%, which beats CPI inflation of 3.1% by 0.80%, but it sits below the easy access market average and 1.10% behind the category leader at 5.00%. The real catch is the withdrawal limit: you get just two withdrawals per year plus closure, so this is not a true easy access account. I would consider it only if you rarely need to dip in and want a building society name behind your savings. Otherwise, First Active's Instant Access Savings Account at 4.05% offers more flexibility.

Compare Easy Access Accounts

2 alternatives to Skipton Building Society's Two Access Saver

Same type of account, closest on rate.

Common questions about the Two Access Saver

D

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Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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