Tax-free interest, next-day access
Grow your savings tax-free — with next-day access when you need it.
ISA applications for the 2025/26 tax year need to be submitted by 12pm on Tuesday 31 March 2026. Applications for the 2026/27 tax year will open in the new tax year. If you’re looking to top up an existing ISA, electronic payments must reach your account by 5pm on Thursday 2 April 2026, and cheque payments by Wednesday 1 April 2026 to count towards the 2025/26 ISA allowance. Any money received after the cut-off will count towards your 2026/27 ISA allowance.
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.
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.
Enjoy tax-free growth on your interest. Save up to £20,000 in any one tax year.
Start saving from just £1 — no barriers to opening your ISA.
We don’t charge for withdrawals, and they won’t impact your rate.
Use our calculator to find out how much interest you could earn and what your savings might be worth at the end of your term.*
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 Rate Cash ISA or a Fixed Term account.
Watch your savings grow with a return that makes a difference.
No paperwork, no phone calls — just a few taps to start saving.
Track your savings from the app or your online account and stay in control.
FSCS-protected up to £120,000. Your savings are in safe hands.
Before you get started, remember: with this specific account, you’ll enjoy tax-free interest while maintaining flexibility and next-day access to your funds.
Here’s how it works in 3 simple steps:
Download our app or visit the website to fill out a short application — it only takes a few minutes.
Top up or withdraw as you like — just be mindful of your ISA allowance.
Your interest starts accruing from day one. Sit back and let your savings grow, tax-free.
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.
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.
*This calculator provides an illustrative estimate of how your savings could grow over time based on the information you enter. The estimate assumes that the interest rate does not change during the period, that any contributions are made on the [1st of the month] and no withdrawals are made. The estimate does not account for tax, fees, or future rate changes. Actual returns may vary depending on your account type, deposit amount, term, and tax status. This information does not constitute financial advice or a recommendation, and OakNorth Bank accepts no responsibility for any losses arising from reliance on these calculations.
