Get that tax-free feeling this ISA season

Whether you're already a member or new to us, it's ISA Season and we're here to help you with our latest rates, transfers, information and more!

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Exclusive offer for members who joined on or before 12 March 2025

Free £50 John Lewis gift card if you pay at least £10,000 by ISA transfer(s) from another provider(s) into a new fixed rate Cash ISA from our range.

18+, UK residents only. Excludes ISAs in our maturity range. Request your ISA transfer by the last paying in date as detailed in the account T&Cs. Request must also be made before the offer is withdrawn, which may be anytime before 9am on 8 May 2025, and without notice. Charges from your existing provider(s) may apply. Gift Card sent within 60 days of the last paying in date. Terms and Conditions apply.

Fixed Rate Cash ISAs

Why choose an ISA?

For tax-efficient saving

No income or capital gains tax to pay on the interest or returns your savings earn inside an ISA.

For choice

There are different types of ISAs to suit different financial circumstances and goals. 

For saving up to £20,000 a year

You can save £20,000 each tax year. Your allowance can’t be carried over – so use it or lose it!

Find the right ISA for you

We have a wide range of Cash ISAs, and with our options ranging from easy access to fixed term, you have the flexibility to find the right mix for you. If you’re thinking even longer-term, you could also have a look at a Stocks and Shares ISA. If you're looking to move an existing ISA to us, we could help you with that too. Check out our full range of options below.

Stocks & Shares ISAs aren't like bank and building society savings accounts as your money is at risk and you may get back less than you invested.

The tax treatment of savings and investments depends on personal circumstances. Tax rules may change in the future.

Other ways we can help with ISAs

Our ISA specialists are here to help you make sense of your options and make informed decisions. Look up key information from us on key ISA considerations.

ISA FAQs

ISAs, or Individual savings accounts, are a little different to other savings accounts, as there's a limit on how much you can save each tax year. But the biggest benefit is that the interest or returns you earn are exempt from tax.

Opportunities to pay less tax don’t come around that often, but your ISA allowance is a great way to save or invest tax-efficiently. 

  • Each tax year (which runs 6 April to 5 April the year after) every UK adult has a set ISA allowance. For the current tax year, the ISA allowance is £20,000. 
  • You can use your ISA allowance in different ways and across different types of ISAs.
  • Some types of ISAs allow you to pay in up to £20,000 each tax year – for example Cash ISAs ,Stocks and Shares ISAs and Innovative Finance ISAs. 
  • You can save up to £4,000 of your ISA allowance in a Lifetime ISA each tax year, providing you’re aged 18-39 when you open it. It’s designed to help you buy a first home or save towards your retirement.
  • For under 18s, you have the option to save up to £9,000 each tax year into a Junior Cash ISA - find out how they could help.
  • You can’t carry over unused ISA allowance into the following tax year. So if you don’t use your full £20,000 ISA allowance by April 5 each year, you’ll lose it.   

There are no limits on how many ISAs you can have, as long as you meet the eligibility criteria for each type. 

Since the start of the 2024/25 tax year,  new HMRC ISA rules allow you to open the same type of ISA under as many providers as you like, if you're aged 18 or over. 

However, you can only pay into one Lifetime ISA in a single tax year (up to £4,000) and you can't pay more than your annual £20,000 ISA allowance overall.

You can’t put a price on good advice. So we didn’t.

At Skipton Building Society we believe in fairness, so we offer everyone free money advice to help their money work harder.

Book your My Money Review
Skipton branch staff

We are here to help

Having ISA plans in place is a great way to save tax-efficiently for the future. And if you need any extra support, we’re here for you. Visit our help and support page for information on a range of topics – including tips for keeping your money safe online.

Help and Support
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You're protected up to £85,000

Your eligible deposits with Skipton Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme.

Learn more about the FSCS

Member ISA Transfer Offer

These terms and conditions apply to those eligible members who have held a Skipton mortgage or savings account since 12/03/2025. Our Member ISA Transfer Offer of a £50 John Lewis gift card is for qualifying ISA transfers of at least £10,000 from another ISA provider into a new fixed rate Cash ISA with Skipton. This offer is valid until it is withdrawn, which may be anytime before 9am on 8 May 2025, and without notice, see condition 4.2. 

Where we refer to ‘gift card’ this can also mean ‘e-gift card’. See condition 3.4 for more information.

1 Eligibility

1.1 To qualify for this offer you must:

• Hold a continuous membership with Skipton Building Society (a Savings Share account or Mortgage) starting on or before 12/03/2025 with a minimum balance of £1.

• Be eligible to hold a fixed rate Cash ISA, please see the fixed rate Cash ISA terms and conditions.

• Open a new fixed rate Cash ISA with Skipton Building Society and pay in at least £10,000 into the fixed rate Cash ISA by ISA transfer(s), from another ISA provider(s).

- Your ISA transfer in request must be submitted before the last paying in date for your Skipton fixed rate Cash ISA. The last paying in date is as outlined in the summary box of the account terms and conditions.

- Your ISA transfer of at least £10,000 must be into one fixed rate Cash ISA product from our range. The minimum £10,000 transfer amount cannot be split across multiple Skipton ISAs.

• Transfer in at least £10,000 in total, even if you are transferring more than one ISA from other providers into a Skipton fixed rate Cash ISA.

• Continue to hold the qualifying account with at least £10,000 on the date we make the voucher payment.

1.2 Qualification for the offer is based on the value of the transferred ISA(s) on completion of the transfer in.

1.3 Fixed rate Cash ISAs from our maturity range do not qualify for this offer.

2 Making an ISA Transfer in request

2.1 You must open the fixed rate Cash ISA you wish to transfer funds into before requesting the ISA transfer.

2.2 If you withdraw funds from your existing ISA(s) to pay into your Skipton fixed rate Cash ISA without using the ISA transfer process, your funds will lose their tax-free status and you will not be eligible for the Member ISA Transfer Offer.

2.3 For details on how to request an ISA transfer please see the account terms and conditions.

2.4 Charges from your existing ISA provider(s) may apply.

2.5 We are not responsible for any delay by your existing provider in processing the transfer.

3 Administration and gift card details

3.1 This offer is provided by Skipton Building Society and administered by The Marketing Lounge Partnership (MLP), The Cow Shed, Walnut Tree Farm, Lower Stretton, Cheshire, WA4 4PG.

3.2 If you meet the eligibility criteria (see condition 1.1), you are eligible for one £50 John Lewis gift card.

• You may choose to open multiple Skipton fixed rate Cash ISAs however, gift cards are limited to one per member.

3.3 You will receive your gift card after we have received the funds from your existing ISA provider(s).

• Gift cards will be distributed within 10 business days of 31 May 2025.

3.4 If your fixed rate Cash ISA can be managed online, you will receive your £50 John Lewis e-gift card by email. If your fixed rate Cash ISA cannot be managed online, you will receive your £50 John Lewis gift card by post.

We will use the email address and correspondence address held on our system for the distribution of your gift card or e-gift card.

3.5 Once your e-gift card has been distributed, you will have 60 days to visit the link in your email to reveal your unique e-gift card code.

If you do not reveal your unique e-gift card code within the 60 days, it will expire. If you have not revealed your unique e-gift card code within the 60 days, we may not issue another one.

After you have revealed your unique e-gift card code, you have a further 30 days to view the unique e-gift card code through the link in your email.

3.6 The gift card and any use of it (including validity period and resale instructions or restrictions) is subject to John Lewis’ terms and conditions, which you can find here: www.johnlewis.com/customer-services/shopping-with-us/terms-and-conditions

4 Additional information

4.1 The Member ISA Transfer Offer is not transferable.

4.2 We reserve the right to withdraw, alter, extend, or replace this Member ISA Transfer Offer at any time and without notice.

4.3 If you have requested an ISA transfer to Skipton Building Society after the Member ISA Transfer Offer starts and we subsequently withdraw the Member ISA Transfer Offer before the ISA transfer completes, you will be eligible for the gift card as long as you meet the eligibility in condition 1.1.

4.4 We reserve the right to not provide a gift card where we suspect or are made aware that this offer is being abused.

4.5 Before opening an account to take advantage of this offer, we strongly advise for your own benefit and protection that you read all the applicable terms and conditions. This includes these terms, which apply in addition to our Savings Account Terms and Conditions and account terms and conditions (which are both available on request or via our website). This is because you will be legally bound by them, and we intend to rely on them. If you do not understand any point, please ask for further information.

4.6 In certain circumstances, for example, where we require further evidence of your identity, you may be asked to return additional documentation to support your account opening application. Please allow sufficient time to complete the application process.

5 Your personal data

5.1 Skipton Building Society is the data controller. We are responsible for the information we collect, hold, share, and use about you.

5.2 Prior to receipt of your gift card, we will provide MLP (see condition 3.1) with your name and relevant contact details. We will also securely share with them your customer reference number. This information is required for the administration of the Member ISA Transfer Offer, including the distribution of gift cards.

5.3 For more information on how we use your data: who it is shared with and why, how long it is kept, your rights and how to exercise them, visit our full Data Privacy Notice online, ask in branch or call us on 0345 608 0783 for a copy.