Changes to Services for Skipton Customers Who Are EU Residents

New EU regulatory requirements under the Capital Requirements Directive VI (CRD VI) will soon affect how non-EU banks, including Skipton International, can provide banking services to customers living in the EU.

Key Dates and Regulatory Changes

From 11 January 2026

New CRD VI rules begin to take effect, changing how non‑EU banks may provide core services such as savings accounts and mortgages to EU‑resident customers.

From 11 July 2026

Additional CRD VI measures come into force. From this date, Skipton International will no longer be able to offer certain products and services to customers who are resident in the EU.

What This Means for EU‑Resident Customers

From 11 July 2026, the following restrictions will apply:
No new products may be opened for EU‑resident customers.
Fixed‑rate products will not be eligible for renewal at maturity.
These changes are the result of mandatory EU regulation and apply across all EU member states.

Skipton International has also confirmed the final date for accepting new applications from EU‑resident customers.

Application Cut‑off Dates

Mortgage Applications: 31st March 2026

We will continue accepting applications from EU‑resident clients until the relevant cut‑off date. We are unable to accept any applications submitted after these deadlines.

From 11 July 2026, due to CRD VI, Skipton International will no longer be able to offer new mortgage or savings products or services to EU‑resident customers.

Support for Intermediaries

We are sharing this information in advance to help you plan and ensure any applications for EU‑resident clients are submitted ahead of the relevant deadlines.

If you have any questions, please contact our Business Development team, who will be happy to assist.