Save on terms that suit you

Earn competitive rates on your savings with a range of notice periods to choose from — and no hidden conditions.

Designed with your future in mind

With a Notice account you can earn high interest rates without locking up your money for a set time period. Unlike Fixed Term accounts, you just need to let us know in advance when you need access to your funds. The notice you need to give will depend on the account you have. You can choose from 35, 90 and 120-day accounts. You can deposit funds whenever you choose, up to a maximum of £500,000 across all of your accounts.

Why choose a Notice account?

Unlimited withdrawals

With the right notice you can withdraw as often as you like.

No hidden fees

No teaser rates. No small print. Just transparent savings.

Low minimum deposit

Start saving from as little as £1 — no big barriers to entry.

A term for every kind of saver

35 days

Ideal for short-term savers

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90 days

Ideal for short to mid-term savers

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120 days

Ideal for long-term savers

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Not the right account for you?

If you need quick access to your savings without notice, our Easy Access account could be a better match for you. Or, if you’re happy to lock your funds away without any immediate access, why not earn more interest with a Fixed Term 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 a Notice account?

Before you get started, remember: with this type of account, you’ll need to give either 35, 90, or 120 days’ notice (depending on your chosen account) before withdrawing your funds. So it’s important to pick the notice period that works best for your needs.

Here’s how it works in 3 simple steps:

1. Choose your account

Pick a Notice account with the notice period that suits your goals — 35, 90, or 120 days.

2. Apply online or in the app

Complete a short application with a few personal details via our website or the OakNorth app.

3. Deposit and stay flexible

Top up or withdraw as often as you like — just give the required notice first.

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

You can request to withdraw your savings through online banking or your mobile app. You can also get in touch about this or any other OakNorth Bank account by emailing us at OakNorth Savings or calling on 0330 3801 181.

 

You’re unable to access your funds without waiting the minimum notice period set out in the terms of your account.

Each notice request is individual and will be paid to your nominated account at the end of the notice period. This cannot be amended. For example on a 35 notice day account, if you decide that 15 days before the funds are due to be withdrawn you want to extend the period by another 10 days, you will have to submit a new request which will then be subject to the normal 35 day notice period.

Yes, the interest rates on your notice account are variable. They can be increased or decreased at any time. We’ll 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. If we decrease your interest rate we will notify you at least 14 calendar days in addition to the notice period as per the type of account opened.