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.

Business loans

Support your growth with fast, flexible
finance from £250,000 to tens of millions.

Personal savings

Make future plans a reality with personalised savings accounts that work for you.

Business banking

Scale at speed with our business current account, savings vault and more.

A bank, but not as you know it

We’re helping the UK’s most ambitious businesses maximise their growth potential and keen savers reach their goals.

When you save with us, you support the expansion of local organisations up and down the country. And when that happens, entire communities benefit.

We’re here to support ambitious change-makers across all different sectors. Our dedication to fostering a diverse economy has helped to create more than 31,000 new jobs in dozens of industries.

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. You’ll get personalised service at every stage of your business loan, and we’ll even invite you in to meet the decision makers at a Credit Commitee.

Want to find our more about business loans? Check out our complete guide.


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.

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).

Inspired by what customers want
delivered by what tech can do

We use technology to make borrowing fast, transparent and simple. And when it comes to lending decisions, we’re not restricted by numbers from the past. Our forward-looking approach allows us to build highly customised solutions that help you achieve your ambitions.

Retail savings app

Manage your money
with the OakNorth app

Keeping on top of your savings has never been easier. Apply for accounts, personalise your savings goals, move money, and track your interest earnings, all while on the move.

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