made easy

Make your money work harder with our secure personal savings accounts. With competitive interest rates, a handy app and a range of short and long-term savings options, apply online or via the app today.

Saving accounts that suit you

The right savings account is different for everyone. Choosing the right one for you means asking yourself how long you can lock your money away for. Can you put away your funds for longer to earn more? Or do you like to have easy access to your money for a rainy day? We’ve got options to help every type of saver achieve their goals.

Rates you’ll love

We’ve got some of the most competitive interest rates on the market. So you can make your money multiply.

Easy application

Sign up for your savings account online or via our app within minutes.

Simple and secure

Manage accounts, move money and check your interest online or via our app, which uses biometrics and a secure login to protect your savings.

Fixed Term Savings Accounts


3.91% - 5.01% AER


6 to 60 months

Notice Base Rate Tracker Account


5.37% AER


95, days

Notice Savings Accounts


3.60% - 4.75% AER


35, 90 and 120 days

Easy Access Savings Accounts


3.75% AER


Next-day access

Fixed Rate Cash ISAs


4.18% - 4.84% AER


12 to 36 months

Easy Access Cash ISAs


4.25% AER


Next-day access

Your savings, in safe hands

Whether you’re putting money aside for a dream getaway, or thinking ahead for your future, your savings are secure with us. As a fully-licensed and regulated bank, eligible deposits are protected up to £85,000 by the Financial Services Compensation Scheme (FSCS).

Retail savings app

Watch your money grow on our highly-rated app

Keep tabs on your transfers and an eye on your savings goals all on the OakNorth app.

Add and move money, open new accounts and personalise existing ones, all at the touch of a button. Accessing your account is easy: there’s no fiddly passwords and you can log in using biometrics.

What our customers are saying


If you’re over 18 years old and you’re a resident of the UK – i.e. you have a permanent UK address that you’ve had for over two years – then you’re eligible for an OakNorth fixed term savings account. You’ll also need to have a personal UK bank or building society account to transfer funds into your account.

Once you’ve decided the right account for you, simply fill out our online application or download the OakNorth app and apply directly there.

The Financial Services Compensation Scheme is a body, funded by the financial services industry, providing automatic protection if your bank, building society or credit union goes out of business.

The FSCS covers financial services firms that have been authorised by the Financial Conduct Authority (FCA) or the Prudential Regulation Authority (PRA) to do business in the UK.

To open a savings account, you will require the following information:

  • A valid email address and telephone number.
  • Details of your main bank account from which you will make your deposit.
  • Your address details.
  • For Cash ISA customers, your National Insurance number and if transferring funds from another ISA provider(s), the details of the existing ISA account(s).

  • For Fixed Term Deposit, Easy Access and Notice accounts: You can apply for an unlimited number of accounts. The minimum account opening balance for each account is £1 and for a sole account you can deposit up to a maximum of £500,000. The total amount that you can deposit with OakNorth at any one time cannot exceed £500,000 across all OakNorth accounts. For a joint account this means that the maximum amount that can be held would be £1,000,000, i.e. £500,000 per account holder across all OakNorth accounts. For deposits above these thresholds, please write to us at [email protected].
  • For Fixed Rate and Easy Access Cash ISA: The minimum account opening balance for each account is £1. The maximum amount that you will be allowed to invest across all types of ISAs (Cash ISAs, Stocks and Shares ISAs, Innovative Finance ISAs, and Lifetime ISAs), with us or any other provider, is the current tax year’s ISA allowance of £20,000 according to HMRC guidelines. You may only invest in one of each type of ISA within the tax year. There is no limit on transfers in for Cash ISAs from previous years. Please note: ISA transfers can only be submitted through our website. The total amount that you can deposit with OakNorth at any one time cannot exceed £500,000 across all OakNorth accounts.

Yes. We are a UK based bank with offices in London and Manchester.

A nominated account is a UK bank account which you nominate when opening an account.
  • The nominated account must be a UK bank account in your name. For a joint application, the nominated account must be in at least one of the account holder’s names.
  • Your nominated account will be used for all deposits into and withdrawals from your account with us. When you open your account with us, you must provide us with the sort code and account number of your nominated account.