Grow your savings without locking them away

Save at your own pace, with next-day access when you need it.

Freedom to move, structure to grow

Your goals, your timeline. With an OakNorth Easy Access account, you stay in control – growing your savings without giving up flexibility.

It’s important to remember that interest rates on an Easy Access account are variable. They can be increased or decreased at any time. Any changes will be communicated to our customers via email.

Why choose an Easy Access account?

Next-day access

Access your money as and when you choose – with no charges for withdrawals.

No hidden fees

You’ll earn money from us, and we won’t take any fees from you. It’s as simple as that.

Low minimum deposit

You can open an OakNorth Easy Access account with as little as £1.

Competitive rates, next-day access

Next-day access

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Not the right account for you?

An Easy Access account favours flexibility over high interest rates. If you’re willing to lock your savings away without immediate access, you could earn more with a Fixed Term or a Notice savings account.

What customers think about our savings accounts

Why save with OakNorth?

Earn more with great rates

Watch your savings grow with a return that makes a difference.

Get set up in minutes

No paperwork, no phone calls — just a few taps to start saving.

Manage your money easily

Track your savings from the app or your online account and stay in control.

Your savings are secure

FSCS-protected up to £85,000. Your savings are in safe hands.

Manage your money your way

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. 

How do I open an Easy Access account?

Before you get started, remember: with this type of account, you can withdraw your savings whenever you need to. That’s why it’s a great choice for flexibility and peace of mind.

Here’s how it works in 3 simple steps:

1. Apply online or in the app

Download our app or visit the website to fill out a short application — it only takes a few minutes.

2. Deposit and stay flexible

Top up your account whenever it suits you – just like you would with a regular savings account.

3. Start earning interest

Your money starts working for you from day one. Sit back and watch your savings grow.

Savings that make a difference

Since 2015, our lending has helped create 56,000 new homes and 34,000 jobs, driving real impact across the UK. We’re committed to sustainability, targeting net zero across all emissions by 2035, including those we finance. Through our 1+1% Commitment, we donate 1% of group profits and 1% of our team’s time to charitable initiatives, helping communities thrive while your savings grow. 

FAQs

As the name suggests, an easy access account allows you to access your funds within one business day, and top up at any time.

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 have had for three years or more – then you’re eligible for an OakNorth easy access account. You’ll also need to have a personal UK bank or building society to transfer funds into your account.

Yes, the interest rates on your easy access account are variable. They can be increased or decreased at any time. We will communicate any changes to our interest rates to you via email.