Two runners-up will each receive £500, credited directly to their Notice Base Rate Tracker account.
Open a 95-Day Notice Base rate Tacker Account between 12th February and 20th February 2026.
Deposit at least £2,000 from your nominated account, and do not request to withdraw prior to 22nd March 2026. Internal transfers are not eligible.
Winners will be chosen at random from all qualifying entries and contacted by phone or email by 10th April 2026.
Names will be drawn at random from all qualifying entries. Prizes will be credited directly to the winners’ Notice Base Rate Tracker accounts within 15 days of the draw.
Term
AER
Min. deposit
Withdrawals
The Financial Conduct Authority (FCA) is a financial services regulator. It requires OakNorth Bank to give you this important information to help you decide whether our Personal Notice Base Rate Tracker Accounts are right for you. You should read this document carefully, together with the General Terms & Conditions and Specific Terms & Conditions for Personal Notice Base Rate Tracker Accounts, so you understand what you are buying, and then keep it safe for future reference.
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| Term/Product | Spread* vs Base Rate % | Gross rate (%) | AER (%) | |
|---|---|---|---|---|
| 95 days | 0.48 | 4.15 | 4.23 |
The interest rate tracks the Bank of England (BoE) Base Rate (To view the latest rate visit here) plus a spread* as mentioned above.
To view the current interest rates for all the Issues of our Tracker Notice Accounts, please visit the Notice Base Rate Tracker Account Rate Table on our website.
Your savings account will start generating interest no later than one business day from when we receive and apply your first deposit to your savings account.
Interest is calculated on the minimum daily balance and applied to the account on the first day of every subsequent month.
If a withdrawal request has been made, interest will be calculated on the total amount until, but not including the day of the withdrawal.
*spread in this document refers to the rate that is added or subtracted to the Bank of England Base Rate.
Yes. Interest rates are variable and can be increased or decreased dependent on the Bank of England base rate.
OakNorth may also adjust the spread at any time at our sole discretion as outlined in the Interest Section of our Specific Terms and Conditions- Notice Base Rate Tracker Accounts.
If we change the spread applicable to your interest rate, which results in your interest rate decreasing, we will notify you at least 14 calendar days in addition to the notice period as per the type of account opened, prior to the decrease.
| Term/Product | Initial Deposit at account opening | Balance after 12 months |
|---|---|---|
| 95 days | £1,000 | £1,042.30 |
*These are only examples for illustrative purposes and do not take into account your individual circumstances.
These examples assume that no further deposits or withdrawals are made, that the interest is accrued daily and applied to the account monthly, that any interest earned stays in the account, and that there is no change to the interest rate.
Our accounts are available to individuals, aged 18 or over, who are UK residents (i.e. England, Wales, Northern Ireland and Scotland). Also, you must have a personal UK bank or building society account that allows transfers to be made to and from it.
Applications to open an account must be completed through our website here or via the OakNorth mobile banking app.
The minimum deposit required to open your account is £1. The maximum deposit you may pay into any one Account is £500,000. The maximum amount (excluding the interest) that you will be allowed to hold on deposit with us across multiple accounts is also £500,000.
There is no limit on the number of deposits made into your account. The minimum deposit is £1. The account can continue to receive deposits up to the maximum principal account balance even if the product is withdrawn. We may withdraw a Notice Account issue at any time which means that the product will be closed to new deposit applications.
Once you activate online banking, your account can be managed by logging into the OakNorth mobile banking app or the ‘My Account’ section of our website. Alternatively, you can contact us by email, by phone, or by writing to us. Please refer to our website for our contact details.
Yes. Although, it is subject to giving us notice as per the type of account opened. Withdrawals from your Notice Base Rate Tracker Account to your nominated bank account can be triggered via Online Banking or the mobile app. You can also contact us by email or phone. It is not possible to withdraw money from the account without providing the mandatory period of notice. We may at our discretion allow it in cases of hardship at our sole discretion, which would require suitable documentary evidence. Interest will be calculated on the total amount until, but not including the day of the withdrawal.
There are no limitations on the number of withdrawals. There is a minimum withdrawal amount of £1. After providing notice the funds will be credited back into your nominated account the next business day after the notice period has passed.
If after withdrawing funds where the balance goes to £0, and remains £0 for a period of six months, we can also close your savings account. We will contact you at least 6 weeks before we close it using the email address you gave us. If the account is closed it cannot be reopened, and you will have to create a new account next time.
Interest will be paid gross.
We do not deduct tax from the interest we pay to you. This information is based on our understanding of current taxation which may change in the future.
The AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once a year.
Please note: The information provided in the summary box is a summary of the key features of our Base Rate Tracker Notice Accounts. It should not be used as a substitute for our Terms and Conditions which can be found on our website.
*With correct notice
Before you get started, remember: with this account, you’ll need to give 95 days’ notice before withdrawing your funds. This account is only available for sole accounts currently.
Complete the short application with a few personal details via our website or the OakNorth app.
Top up as often as you like or withdraw by giving the required notice first.
Your money starts working for you from day one. Sit back and watch your savings grow.
Yes. Only new 95-Day Notice Base Rate Tracker Accounts opened during the campaign period are eligible.
You will no longer be eligible for the prize draw.
To be eligible for the draw you should fund only from your nominated account. Internal transfers are not eligible.
Winners will be selected by random draw by 10 April 2026 and contacted shortly afterwards.
Prizes will be credited to the winners’ Notice Base Rate Tracker Accounts within 15 days of selection.
No. Only one entry per person is permitted.
Read full terms and conditions.
If after reviewing the terms and conditions you would like to opt out of the prize draw, please contact us prior to the draw date.