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Tax-free interest, next-day access

Want to save for the future, but still want to access your money when you need it? With an OakNorth Easy Access Cash ISA, you can save and withdraw with more flexibility and no loss of interest.

The easy, tax-free way to save

An Easy Access Cash ISA is a tax-free individual savings account, which means you won’t pay any tax on the interest that you earn. You can save up to £20,000 into one cash ISA in any one tax year. With an OakNorth Easy Access Cash ISA your money is FSCS-protected, you get unlimited withdrawals and you can easily transfer your existing ISAs.

The simple, flexible choice

Next-day access

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What do you get with an OakNorth Easy Access Cash ISA?

Tax free earnings

Enjoy tax-free earnings on your interest. You can save up to £20,000 in any one tax year.

Low minimum deposit

We won’t make you invest a big amount just to open an account. In fact, all you need is £1.

True flexibility

Access your money whenever you like. You aren’t charged for withdrawals, and they won’t impact your rate.

Your savings, protected

We’re a fully regulated and licensed bank, which means your eligible deposits are protected up to £85,000 with the Financial Services Compensation Scheme (FSCS).

Why save with OakNorth?

Earn more with competitive rates

With an OakNorth Easy Access ISA you could earn up to 4.25% interest to grow your savings.

Set up your account in minutes

Sign up for your account in a few minutes either online or via our app.

Manage your money easily

Open new accounts, manage existing ones and watch your money grow from your online account or our app.

Save securely with FSCS protection

Eligible deposits are protected up to £85,000 by the Financial Services Compensation Scheme.

Retail savings app

Keeping on top of your savings has never been easier

Whether it’s moving money or opening new accounts, everything you need to keep track of your savings is on the OakNorth app.

How do I open an Easy Access Cash ISA?

It’s easy to open your new Easy Access Cash ISA. Once you’ve read the terms and conditions you can either apply in minutes via our website or the OakNorth app.

What our customers are saying

Not the right account for you?

An Easy Access Cash ISA means opting for flexibility over high interest. If you’re happy to put your money away for a period of months or years, you could earn more with a Fixed Term Savings Account or a Fixed Rate Cash ISA.


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 cash ISA. You’ll also need to have a personal UK bank or building society to transfer funds into your account.

ISAs are individual savings, so we don’t offer joint ISA products.

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. Increases to your rate will come into effect on the first day of the next calendar month.