Big saver? Get big rewards with our Limited Edition account

A flexible account with next-day access — and standout rates if you’re saving £20,000 or more.

Your money, your terms

Easy Access accounts aren’t just for loose change. If you’re serious about your savings but don’t want to lock them up, this account could be for you. You can save from £20,000 up to £500,000 and be rewarded with one of the highest interest rates we offer. And the best part? You can still access your money the next working day.*

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.

*You must retain a balance of at least £20,000 in your account to access the higher interest rates.

Why choose an Easy Access Limited Edition account?

Save more, earn more

With a minimum balance of £20,000, you’ll unlock great rates — while still enjoying next-day access.

Get set up in minutes

Open your Limited Edition account online or in the OakNorth app in just a few taps.

Manage your money easily

Track your savings, transfer funds, and view your interest — all in one place.

Grow what you’ve worked hard for

Next-day access

View More &   Apply Now

Not the right account for you?

This account is only for customers looking to save £20,000 or more. To save with as little as £1, check out our Easy Access accounts, or see our full range of accounts designed to suit different saving styles.

What customers think about our savings accounts

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 Limited Edition account?

Before you get started, remember: with this specific account, your money’s ready to go with next-day access — while earning top-tier returns.

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 or withdraw as and when you like — just keep the required minimum balance of £20,000.

3. Start earning interest

Your interest starts accruing from day one. Sit back and let 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

If you’re a customer with an Easy Access account with £20,000 or more, you can transfer your savings over to an Easy Access Limited Edition account, while it’s on offer, to make the most of higher interest rates.

You should only move your savings over to the new Easy Access Limited Edition account if you are transferring £20,000 or more. To open a new Easy Access Limited Edition and transfer your savings:

  1. Go onto the OakNorth app or download the OakNorth app from the Google Play or Apple Stores if you haven’t already.
  2. Log in to your account – if you’ve never logged in with the app before click ‘I already have an account’
  3. Fill out your details – it should only take 5 mins and you will be auto-approved as a current customer
  4. On approval, select the Account you’d like to move money from by clicking ‘View’ in online banking or clicking on the tile in the app
  5. Once selected you’ll be shown a ‘Move Money’ icon. Click on this.
  6. Select the account you’d like to move your money to. You’ll be presented with a list of all eligible accounts when you select the drop-down
  7. You can then choose to do a full balance transfer. Here you’ll see the available balance to transfer
  8. Select ‘Move Money’. The full transfer will take place instantly and will cancel the pending transfer you previously requested

The main difference in Easy Access and Easy Access Limited Edition is the minimum deposit criteria and interest rate. Customers able to save a minimum of £20,000 can now earn a higher interest rate. There is no change to the time-period for which you can access your funds, it will remain as next business day access.

Limited Edition means that this product is only going to be on offer for a limited time period, at the discretion of OakNorth. This means it may only be available for customers for just a few days.

We already have an Easy Access account that has a minimum deposit of £1 for savers that can’t commit to higher savings amounts and want total flexibility. This is a new take on Easy Access accounts for savers with £20,000 up to £500,000 that want higher rates without compromising next-day access.

You have 14 days to fund your account with £20,000 in line with your Specific Easy Access Terms & Conditions. You will be required to always maintain a minimum balance of £20,000 in your account. If one or more withdrawals reduce your Account balance to an amount lower than £20,000, we will have the right to close your Account and the remaining money will be sent back to your nominated bank account on the following business day.

Nothing will happen to your account once you’ve signed up and transferred the minimum deposit limit. When the Easy Access Limited Edition account is withdrawn from the market, it will no longer be available for new customers to sign up. If you’re an existing customer with an Easy Access Limited Edition account, your account will remain open, and you will continue to earn interest. You can continue to add funds at any time once the account is opened even when it’s no longer available for new customers.

Yes, like any Easy Access account, your interest rates will be variable and can increase or decrease at any time. We will always communicate any changes to our interest rates to you via email.

No, this account is only available for sole accounts currently.