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Our ISA Options

An ISA is a great way to save tax-efficiently and there are a range of ISAs to choose from.

Maybe you need access to your money or you might be happy to lock your money away to enjoy the certainty of a fixed rate of interest for a set term. If you have a long-term goal in mind you could consider a Stocks and Shares ISA. Look at our ISA options below to find out more.

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

A good place to start your ISA research

If you’ve got a question about ISAs, we’ve probably got an answer for you. Discover the need-to-know facts, find out about ISA allowances, rules and transfers, and learn how Stocks & Shares ISAs could factor into your longer-term plans.

Want to make the most of your ISA allowance?

Our FREE ISA Webinar could help remove the guesswork from your next ISA, by answering your most frequently asked questions.

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An ISA, or Individual Savings Account, offers a tax-efficient way of saving because you don’t pay any income tax on the interest you earn.

Tax rules may change in future.

Discover the ISA basics, including the different types of ISAs and which might be right for you on our page below.

What is an ISA?

The ISA allowance for this tax year is £20,000. To find out more about how you can use your allowance, visit our ISA allowance page.

ISA allowance

You can have more than one ISA, but there are some rules you need to know. Read about the rules and the potential benefits of having more than one type of ISA.

How many ISAs can you have?

Not all ISAs allow transfers in/out – you can find out if your ISA allows them in your ISA product terms and conditions.

You can find all the information you need to transfer your ISA on our Transferring your ISA page.

Transferring your ISA

If you’re saving for something big that’s more than five years away, a savings account might not give you the best returns. If you're comfortable with the risks involved, you might want to consider a Stocks and Shares ISA instead.

You can find more information on our Stocks and Shares ISA page.

Stocks & Shares ISA

Even if your spouse or civil partner left the money in their ISA to someone else, you can still inherit an ISA allowance based on how much they had saved in ISAs. This additional allowance, known as an Additional Permitted Subscription, means you can increase the amount you can save tax-free.

You can find out more about inheriting ISA allowances or funds from an ISA on our Additional Permitted Subscriptions page, or on our bereavement page, which explains what happens to savings accounts when someone has passed away.

If you're not sure about which ISA is right for you and need some help, you can speak to us face-to-face from the comfort of your own home, with our video appointment service Skipton Link. Alternatively, you can visit us in any branch or call us on 0345 850 1722 and we'll be happy to help.

Financial Services Compensation Scheme

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

FSCS - Protecting Your Money
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