E-Savings

Interest is calculated from the third working day from and including the day we receive a cheque (if this is a working day). Interest is then accrued until, but not including, the day of withdrawal, on a daily basis. This is either credited to your account balance, paid to another suitable Skipton account, or, sent via the BACS (Banks Automated Clearing System) to your bank or building society on the date specified in your product terms and conditions.

Interest rate changes will be advertised in two or more daily newspapers, currently The Daily Telegraph and The Express and will be displayed within our branch offices. We will also send you a message saying the rate has changed and to check our website where the changes will also be displayed.

If you are a non-tax payer, you are likely to be eligible to receive your interest gross without any deduction of tax. In this instance an R85 form should be printed, completed, signed, dated and returned to your local branch or the Principal Office, alternatively contact us via secure messaging and we can send you a form to complete and return to us. You need to complete one of these forms for each account you have with us.

The R85 form is applicable for UK residents who are eligible to receive interest paid on a gross basis. Otherwise, building societies are required to deduct tax at a rate of 20% from interest paid or credited to investors.

If you are unsure of your tax status please contact your local tax office and they will advise you. Alternatively, you can visit their website www.hmrc.gov.uk or call their Registration helpline on 0845 980 0645. Lines are open 8.30am - 5pm Monday to Thursday and 8.30am - 4.30pm on Friday calls charged at local rates.

If you are a non-tax payer, you are likely to be eligible to receive your interest gross without any deduction of tax. An R85 must be completed if the account is held in a child's name and he/she is a non-tax payer. If the child is under 16, the form must be completed and signed by the parent or guardian. At the age of 16, a new R85 form must be completed, signed by the child (account holder) and returned to your local branch or the Principal Office. Download an R85 form.

If you have registered an R85 form but have found your tax status has changed and you are now required to pay tax, you must cancel your registration and tax will be calculated from the date interest was last paid to you. You can do this by sending a secure message once you have logged into your account or by sending a letter to our Principal Office.

Yes. A separate form is required in respect of each account you hold and in the case of joint accounts, a separate form is also required for each account holder.

Yes. If you're a non-taxpayer but have a joint account with a taxpayer, you can still receive your share of any interest tax-free with our partial registration service. This will split the interest so that half is paid with tax deducted and half free of tax.

To register, you need to send a completed HM Revenue & Customs R85 form to us with details of the accounts where you want to split the interest. Download an R85 form.

This shows the gross interest paid and tax deducted on an investment account for a specific tax year. It may be required by HM Revenue & Customs if:

• You need to complete an income tax return,
• You are NOT registered as a non-tax payer,
• Your tax deducted exceeds your total tax liability and the certificate is required in order to claim any tax refund. The HM Revenue and Customs booklet IR110 "A guide for people with savings" explains how you can work out whether you can claim tax back and, if so, how to claim. Alternatively, you can visit their website www.hmrc.gov.uk.

If you would like us to send you a Section 975 Certificate then please request via secure messaging and we will post one out to you. Please state the tax year that you require. If you require a duplicate copy of your certificate, a fee of £10 will be levied (Please note, we are only permitted to supply one duplicate if the original is lost). Further details on this fee. You will need to forward your request and cheque to:

Subject to the terms and conditions of the type of account you hold you can:

• Make a one off payment to another Bank or Building Society.
• Make regular payments to another Bank or Building Society.
• Transfer funds to another Skipton Building Society account.

For full details see the account terms and conditions.

Follow the log in procedure to display your Summary of Accounts page. From here select the appropriate account, select the Withdraw Money option and your account details will then be displayed.

The amount you can withdraw will vary dependant on the type of account held. Please refer to the terms and conditions applicable to your account which are available on the Skipton Building Society website.

This will vary dependant on the type of account held. Please refer to the product terms and conditions applicable to your account which are available on the Skipton Building Society website. If notice is applicable to your account it will be highlighted when withdrawing funds.

Providing your transaction has not been processed and is still visible under the View Future Transactions option you can cancel your withdrawal. Please note that BACS payments can only be cancelled up to two working days prior to the due date.

For full details please see the terms and conditions of your account.

Providing your transaction has not been processed and is still visible under the View Future Transactions option you can change the amount you wish to withdraw.

Follow the log in procedure to access your Summary of Accounts page and select the account that you wish to transact on. Select the Withdraw Money option to display the Withdrawals homepage and select Transfer to another SBS Account. Details of the account will be shown. The screen will show if your account can be transacted over the internet.

Follow the log in procedure to access your Summary of Accounts page. Select the account that you wish to transact on. Select Withdraw Money to display the Withdrawals homepage. Select the Regular Payment to another Bank/Building Society account option and enter the amount of payment.

Follow the log in procedure to access your Summary of Accounts page. Select the account that you wish to close. Select Withdraw Money to display the Withdrawals homepage.

Select Close Account.

This will vary dependant on the type of account held. Please refer to the product terms and conditions applicable to your account which are available on the Skipton Building Society website. If a charge is applicable to your account it will also be highlighted when withdrawing funds.

This may be because there were insufficient cleared funds in your account. If you are unable to confirm this using your Summary View online, please ring the Contact Centre on 08457 025026*.

Any transaction completed after 4 pm Monday – Friday will be processed the following banking day. All transactions input on Saturday and Sunday will be processed on the next banking day.

For clearance times please see the terms and conditions of your account

The system will check to ensure sufficient funds are available before accepting your withdrawal and, if not, you will receive a message advising you of this.

Yes, you will need to send a message via the Secure Messaging System with details and we will arrange this for you. Please ensure you quote the relevant bank sort code, bank account and reference number. Please note a fee (currently £25) will be applied and debited from your account for this service. For all current fees please see the Investment Tariff of Charges which will be updated from time to time.

Unless otherwise stated in your account terms and conditions, you can pay money in by cash, cheque, BACS or Telegraphic Transfer (CHAPS).

If your account type is ‘Internet Enabled’ you will be able to transfer money from it. However, you will not be able to transfer money from an account which requires a passbook or certificate. In this instance you will need to process the transfer in the usual way for that account via your local branch or by posting your passbook to Principal Office.

Download and complete the paying in form and send it by post to our Principal Office or take it to your local branch.

It usually takes seven working days for a cheque6to clear from the day of receipt. The system automatically prohibits withdrawal of uncleared funds. Please refer to the terms and conditions of your account for more details.

You can arrange for a regular sum to be paid into your account from your own bank account.

Please supply your product providers with the following information:
Barclays Bank, SKIPTON BUILDING SOCIETY account 70798924 sort code 20-78-42 quoting your savings account number.

Any transaction completed after 4 pm Monday – Friday will be processed on the next banking day. All transactions input on Saturday and Sunday will be processed on the next banking day. For full clearance times please see the terms and conditions of your account.

You need to contact the source of the payment to see why the payment has not occurred.

Yes you can do this by quoting the correct information –

You will be responsible for any fee your bank or building society may charge for this service.

The amount you can deposit will vary dependant on the type of account held. Please refer to the product terms and conditions applicable to your account which is available on the Skipton Building Society website.

Follow the log in procedure to access your Summary of Accounts page. The balance will be displayed for each of your accounts.

You can view transactions for the previous 12 months by accessing your Summary of Accounts page.

You can get a printable transaction statement at any time. Follow the log in procedure to access your Summary of Accounts page, choose the account that you wish to view and click on View my Statement. This displays the last three transactions for that account. If you wish to see more, click on the appropriate date (up to 12 months) using the drop down box and then click on Show Me. You can print the page if required.

Yes, an annual statement will be posted to your registered address.

Follow the log in procedure to access your Summary of Accounts page, choose the Change My Personal Details button and you will be given the option to Change address.

Follow the log in procedure to access your Summary of Accounts page, choose the Change My Personal Details button and you will be given the option to change your name. You will be requested to print the Change of Name form and send it into our Principal Office with any required evidence.

No, if you want to add another name you will have to close the existing account and open a new one in the new names. You would also need to re-set any regular electronic payments you had previously set up.

Follow the log in procedure to access your Summary of Accounts page, choose the Change My Personal Details button and you will be given the option to Change telephone number.

Follow the log in procedure to access your Summary of Accounts page, choose the Change My Personal Details button and you will be given the option to Change email address.

Follow the log in procedure to access your Summary of Accounts page, choose the Change My Account Details button and you will be given the option to Change preferred name of account.

Follow the log in procedure to access your Summary of Accounts page, choose the Change My Account Details button and you will be given the option to Change interest instructions.

Notification must be done by post to the Principal Office. Access to the internet channel will be withdrawn whilst the registration procedures are completed to prevent money leaving the account following notification of death.