BOLDER THINKING
needs Bolder banking

We’re enabling intrepid entrepreneurs and connecting savvy savers with the tools and tech to fast-track their future.

Turning opportunity into reality

Banking should be barrier-free and financial opportunity should open doors. It’s a belief at our very core, inspired by our entrepreneurial spirit, driven by the unmet financial needs of millions, and delivered by our data-driven technology.

Personal savings

Competitive savings accounts for those who want to reach their financial goals.

Business loans

Support your growth with fast, flexible finance from £1 million up to tens of millions.

Business banking

Seamless digital banking with dedicated support to help ambitious businesses scale at speed.

What customers think about us

A bank, but not as you know it

We’re backing the UK’s most ambitious businesses with the fast, flexible finance they need to scale – and helping keen savers reach their goals along the way. 

When you save with us, you’re supporting the next generation of entrepreneurs, fuelling business growth, job creation, and thriving communities across the UK. 

Founded by entrepreneurs, we understand what it takes to build and scale. Since 2015, we’ve provided over £12bn in funding, helping create 56,000 new jobs and 34,000 new homes. Whether you’re looking to grow your business or grow your savings, we’re here to help.

Woman climbing sand dunes

For savers

No matter what you’re saving for, we have an account to get you there.

From no-strings Easy Access, to Fixed Term, you can open your new savings account online or on our mobile app within minutes.

Let the saving begin.

Man stood on curved stairwell with light shining on him

For businesses

Built by entrepreneurs for entrepreneurs, we’re a bank that knows what it takes to build a successful business. With OakNorth, you’ll get personalised service at every stage of your business banking or business loan, supported by a team of dedicated specialists whose focus is enabling your business growth.

Little girl looking through binoculars

For good

We put our customers at the centre of everything we do. That’s not an empty promise. And neither is our pledge to make a difference.

Our commitment to carbon neutrality and a prosperous UK economy supports employment growth, champions ethical choices, and allows opportunity to flourish for everyone.

Protection for peace of mind

As a fully-licensed digital bank, we offer the same level of protection as traditional high street banks. When you save with us, your eligible deposits are protected (up to £85,000) by the Financial Services Compensation Scheme (FSCS).

Personal savings made easy

Stay in control of your money with ease. Apply for accounts, personalise your savings goals, move funds, and track your interest – all through our website, app, or with support from our UK-based team whenever you need it.

In some ways securing funding from OakNorth was similar to the process with traditional lenders, while in other ways it was refreshingly different. They asked for detailed financial information, both historic and forward-looking, and the lending decisions were committee-based. The most notable differences were speed, transparency and a personalised service.

Anthony Perring, former CFO of LEON
Really helpful accounts; recommended to many people because, if you're like me and struggle with budgeting, then the accounts that OakNorth offers are perfect. I have three accounts with them and use them all – they're super easy to use and the app is just another utility to help with very quick withdrawal. Nothing to lose and much to save!
Phil, OakNorth savings customer
"Their experience gained from working with some of the leading property developers really shone through during the entire lending process, allowing us time to invest in areas where our own expertise and passion can make the most impact."
Kate Lawlor, CEO of Bruntwood SciTech
"OakNorth went above and beyond what was required, and I have no doubt that their bespoke facility will help us deliver our exciting growth plans going forward.”
Adrienne Cherrywood, Headteacher and Proprietor of Cressey College
This is the third time we’ve chosen OakNorth Bank as our funding partner and there’s a reason we keep returning to them – the team is collaborative, constructive, and commercial. There’s no broad-brush assumptions or computer-says-no decisions.
Ali Reza Ravanshad, Chairman and Founder of Dandi Group