Save for what matters most.
Up to 4.55% AER.

Your Easy Access Cash Isa 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 from the business day your funds are received 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.

Yes. Interest rates are variable and can be increased or decreased at any time at our sole discretion, as outlined in clause 4 our Specific Terms and Conditions  Cash ISAs.

If we increase your interest rate, we will notify you within 30 calendar days of the increase. The change will take effect on the 1st day of the next calendar month (in certain cases, with immediate effect). If we decrease your interest rate, we will notify you at least 14 calendar days prior to the decrease.

*This is only an example for illustrative purposes and does not take into account your individual circumstances.

This example assumes 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. Please note, in case of transfers from another ISA provider, the applications must be completed through our website.

The minimum amount required for the account to remain open is £1. The maximum deposit for this account is the current tax year allowance for ISAs set by HM Revenue & Customs, which for the tax year 2026/27 is £20,000. In addition, or alternatively, you may transfer existing Cash ISAs from other providers into this account. We’re only able to accept electronic Cash ISA transfers from the ISA providers listed in our online application. These limits are subject to HM Revenue & Customs rules.

There is no limit on the number of deposits made into your account up to the current ISA tax year allowance.

You can transfer Cash ISA balances from the current tax year as well as previous tax years. Please note: If you have already contributed to your Cash ISA in the current tax year and would like to transfer from the current tax year’s allowance, you must transfer the full amount. The maximum amount (excluding interest) that you may hold on deposit with us across all types of accounts is £500,000.

Once you activate online banking, your account can be managed by logging into the OakNorth mobile 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. There is no term for an Easy Access Cash ISA and no limitation on the number of withdrawals.

There is a minimum withdrawal amount of £1. No notice of withdrawal is required, and withdrawal requests can be made at any time. The funds will be credited back into your nominated account the next business day, or within 2 business days if the request is received on a non-business day such as a Saturday, Sunday, or a Bank holiday.

You can withdraw funds (partial or full) from your Easy Access Cash ISA via online banking by logging into the OakNorth mobile banking app or through the ‘My Account’ section of our website.

Your money can be returned to your nominated account or transferred to another ISA provider. Please note, if you would like to transfer your ISA out, you will need to contact your new ISA provider and instruct them to request a transfer from us.

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.

This is not a flexible Cash ISA, so any money withdrawn cannot be replaced.

Interest is tax-free and doesn’t count towards your Personal Savings Allowance.

The AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once a year.

The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practices, both of which may change. For more information visit www.hmrc.gov.uk.

Please note: The information provided in the Summary Box, is a summary of the key features of our Easy Access Cash ISAs. It should not be used as a substitute for our Terms and Conditions which can be found 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 will be calculated on the minimum daily balance and applied monthly to your OakNorth Cash ISA.

No. The interest rate is fixed during the term.

*These are only examples for illustrative purposes and do not take into account your individual circumstances.

These estimates assume that no further withdrawals are made, the account remains open during the selected term, that the interest is accrued daily and applied to the account monthly and that any interest earned stays in the account.

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. Please note, in case of transfers from another ISA provider, the applications must be completed through our website.

The minimum amount required for the account to remain open is £1. The maximum deposit for this account is the current tax year allowance for ISAs set by HM Revenue & Customs, which for the tax year 2026/27 is £20,000. In addition, or alternatively, you may transfer existing Cash ISAs from other providers into this account. We’re only able to accept electronic Cash ISA transfers from the ISA providers listed in our online application. These limits are subject to HM Revenue & Customs rules.

You can transfer Cash ISA balances from the current tax year as well as previous tax years. Please note, if you have already contributed to your Cash ISA in the current tax year and would like to transfer from the current tax year’s allowance, you must transfer the full amount. The maximum amount (excluding interest) that you may hold on deposit with us across all types of accounts is £500,000.

Upon account approval, you will have 30 calendar days to fund your account via a new deposit and/or Cash ISA transfer, otherwise your account will expire and be closed.

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. You can withdraw funds (partial or full) from your Fixed Rate Cash ISA by logging into the OakNorth mobile banking app or through the ‘My Account’ section of our website.

Your money can be returned to your nominated account or transferred to another ISA provider. Please note, if you would like to transfer your ISA out, you will need to contact your new ISA provider and instruct them to request a transfer from us.

There is a minimum withdrawal amount of £1.

There will be a withdrawal charge depending on the term taken, as shown below.

We will deduct the charge from the balance in your account when the withdrawal is made, and you therefore may get back less than you originally deposited. 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 subject to ISA regulations.

You can close or transfer your balance to another ISA provider at the end of the fixed term with no penalty.

This is not a flexible Cash ISA, so any money withdrawn cannot be replaced.

We will write to you at least 14 calendar days before your maturity date to explain your options. We may also send you additional reminders during this time to inform you of the options available as follows:

• transfer your entire account balance (principal and interest) to your nominated bank account;
• reinvest the principal in another available deposit product with us, and transfer the interest you earned to your nominated bank account;
• reinvest your account balance (principal and interest) in another available deposit product with us (provided this wouldn’t put you above the maximum balance limits); or
• reinvest a portion of the principal in another available deposit product with us and have the remainder of the principal and interest paid to your nominated bank account.

If we do not hear from you before the account maturity date, the total amount will be automatically transferred to an OakNorth Easy Access Cash ISA. Please see our Easy Access Cash ISA deposit account page on website for the current interest rate.

Interest is tax-free and doesn’t count towards your Personal Savings Allowance.

The AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once a year.

The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practice, both of which may change. For more information visit www.hmrc.gov.uk.

Please note: The information provided in the Summary Box, is a summary of the key features of our Fixed Rate Cash ISAs. It should not be used as a substitute for our Terms and Conditions which can be found on our website.

For customers who are new to OakNorth only, an additional fixed boost of 1.14% AER for the first 12 months from the date the account is opened. Existing OakNorth customers will receive the variable interest rate without the boost.

The interest rate follows the Bank of England base rate plus a spread, as shown above. Spread is the percentage added to or subtracted from the Bank of England base rate.

Your account will start accruing interest once we’ve received and processed your first deposit. This usually happens the same business day, but no later than the next. Interest is calculated on the minimum daily balance and applied monthly.

If you withdraw funds, interest will be calculated on your total balance up to – but not including – the withdrawal date.

Boost interest

The 12-month boost is available to customers who are new to OakNorth only from the date the account is opened. A new customer is defined as someone who has never held an OakNorth personal savings account.

After the 12-month boost period ends, the boost will be removed automatically and your interest rate will move to the standard Easy Access Tracker rate, which continues to follow the Bank of England base rate plus a spread.

Go to the Bank of England website to monitor the base rate.

You can find the interest rates for all issues of our accounts on our website.

Yes. Interest rates are variable and tracks the Bank of England base rate. If the Bank of England base rate changes, the new interest rate on your account will apply from the following business day that this takes effect.

We may adjust the spread at our discretion, as outlined in our Terms and Conditions.

If the spread increases your rate, we’ll email you as soon as we can and in any event within 30 calendar days of the change taking effect. If it decreases, we’ll notify you at least 14 days in advance.

The 1.14% AER boost is fixed for the 12-month boost period and will not change during that time. Once the boost period ends, it will be removed automatically. We’ll notify you at least 14 days in advance of the boost being removed.

With 12-month interest rate boost for new customers:

Without interest rate boost:

These examples are for illustrative purposes only and are based on the current Bank of England base rate. They assume no further deposits or withdrawals, that interest is accrued daily and applied monthly, that any interest earned stays in the account, and that the Bank of England base rate does not change.

In addition, the “with 12-month boost” example assumes the boost applies for the full 12 months before reducing to the above non-boosted tracker.

These examples don’t take individual circumstances into account.

You must be a UK resident aged 18+ with a personal UK bank or building society account. Apply via our website or app.

Once approved, you’ll have 14 calendar days to make your first deposit. The minimum deposit required to open your account is £1. After the 14-day window, your account will be automatically closed if no funds have been added.

You can deposit up to £500,000 into a single account, and make multiple deposits at any time – up to the maximum balance allowed. However, the total amount you can hold with us across all your OakNorth accounts (excluding interest) is capped at £500,000 per person.

If the product is withdrawn, existing accounts will remain open, but no new applications will be accepted.

To manage your account, log in via the OakNorth web platform or app. Alternatively, you can contact us by email or phone.

Yes. You can withdraw funds at any time with no limits on the number of withdrawals. Withdrawals are processed the next business day or within two business days if requested on a non-business day.

Withdrawals can be made via the OakNorth web platform or app, or by contacting us via email or phone.

If your balance remains £0 for six months, we may close your account. You’ll be notified at least six weeks in advance.

Interest will be paid gross, with no tax deduction. This is based on current tax laws, which may change. The Annual Equivalent Rate (AER) shows the interest rate if paid and compounded annually.

This product includes a temporary introductory boost for new OakNorth Easy Access Tracker Accounts. After the boost period ends, the interest rate will reduce.

This Summary Box highlights key product features. It’s not a substitute for our full Terms and Conditions.

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 and interest is calculated daily from the business day your funds are applied to your savings account.

No. The interest rate is fixed during the term.

*These are only examples for illustrative purposes and do not take into account your individual circumstances.

These estimates assume that the account remains open for the duration of the stated term, deposits are made in a single payment, and interest is accrued daily and applied to the account on the maturity date of your account.

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. Please note, joint accounts can only be opened through our online application on the website and not through the mobile app; the maximum number of account holders in a joint account is two.

The minimum deposit required to open your account is £1. The maximum deposit you may pay into any one account with us 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. For a joint account the maximum amount allowed to be held would be £1,000,000 i.e., £500,000 per account holder.

You can fund your account with multiple deposit payments within 14 calendar days from the day your account is approved. The minimum deposit is £1. Once the 14-calendar day period expires, you will not be able to make any further deposits into the account. In the event you do not fund your account within the 14-day period, your account will automatically be closed.

Once you activate online banking, your account can be managed by logging into the OakNorth mobile banking app or through 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.

No, our Fixed Term Deposit Accounts do not allow for funds to be withdrawn during the term of the deposit. 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.

We will write to you at least 14 calendar days before your maturity date to explain your options. We may also send you additional reminders during this time to inform you of the options available as follows:

• transfer your entire account balance (principal and interest) to your nominated bank account;
• reinvest the principal in another available deposit product with us, and transfer the interest you earned to your nominated bank account;
• reinvest your account balance (principal and interest) in another available deposit product with us (provided this wouldn’t put you above the maximum balance limits); or
• reinvest a portion of the principal in another available deposit product with us and have the remainder of the principal and interest paid to your nominated bank account.

If we do not receive your instructions before the account maturity date, the total amount including interest will be automatically transferred to a variable rate Easy Access Deposit account with us. See our Easy Access Deposit account page on our website for the current interest rate.

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 Fixed Term Deposit accounts. It should not be used as a substitute for our Terms and Conditions which can be found 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 and interest is calculated daily from the business day your funds are applied to your savings account.

No. The interest rate is fixed during the term.

*These are only examples for illustrative purposes and do not take into account your individual circumstances.

These estimates assume that the account remains open for the duration of the stated term, deposits are made in a single payment, and interest is accrued daily and applied to the account on the maturity date of your account.

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. Please note, joint accounts can only be opened through our online application on the website and not through the mobile app; the maximum number of account holders in a joint account is two.

The minimum deposit required to open your account is £1. The maximum deposit you may pay into any one account with us 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. For a joint account the maximum amount allowed to be held would be £1,000,000 i.e., £500,000 per account holder.

You can fund your account with multiple deposit payments within 14 calendar days from the day your account is approved. The minimum deposit is £1. Once the 14-calendar day period expires, you will not be able to make any further deposits into the account. In the event you do not fund your account within the 14-day period, your account will automatically be closed.

Once you activate online banking, your account can be managed by logging into the OakNorth mobile banking app or through 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.

No, our Fixed Term Deposit Accounts do not allow for funds to be withdrawn during the term of the deposit. 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.

We will write to you at least 14 calendar days before your maturity date to explain your options. We may also send you additional reminders during this time to inform you of the options available as follows:

• transfer your entire account balance (principal and interest) to your nominated bank account;
• reinvest the principal in another available deposit product with us, and transfer the interest you earned to your nominated bank account;
• reinvest your account balance (principal and interest) in another available deposit product with us (provided this wouldn’t put you above the maximum balance limits); or
• reinvest a portion of the principal in another available deposit product with us and have the remainder of the principal and interest paid to your nominated bank account.

If we do not receive your instructions before the account maturity date, the total amount including interest will be automatically transferred to a variable rate Easy Access Deposit account with us. See our Easy Access Deposit account page on our website for the current interest rate.

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 Fixed Term Deposit accounts. It should not be used as a substitute for our Terms and Conditions which can be found on our website.

To view the current interest rates for all the Issues of our Notice Accounts, please visit the Notice 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.

Yes. Interest rates are variable and can be increased or decreased at any time at our sole discretion as outlined in clause 1 of our Specific Terms and Conditions – Notice Accounts.

If we increase your interest rate, we will notify you within 30 calendar days of the increase. The change will take effect on the 1st day of the next calendar month (in certain cases, with immediate effect). If we decrease your interest rate, 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.

*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 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.

1. 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 Notice Accounts. It should not be used as a substitute for our Terms and Conditions which can be found on our website.

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 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 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.

*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 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.