Flexible savings that follow the Bank of England’s rate – with notice

Our Notice Base Rate Tracker account follows the Bank of England’s base rate, so you always know where you stand.

A smarter way to reach your goals

A Notice Base Rate Tracker account offers a variable rate that tracks the Bank of England base rate. With 95 days’ notice, you can access your money — with no fees, no fuss. You can deposit funds at any time, up to a total of £500,000 across all your accounts.

The interest rate tracks the Bank of England base rate, plus or minus a fixed spread (this is the rate that we add or subtract from the Bank of England base rate). When applying, you will have full clarity on the interest rate (which will include the Bank of England base rate and the spread). So, if the base rate goes up, your rate will go up; and if the rate comes down, your rate will follow.

Why choose a Notice Base Rate Tracker?

Unlimited withdrawals

Withdraw as often as you like — with just 95 days’ notice.

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.

Get a great rate - without the long-term commitment

95 days

Ideal for short to mid-term savers

View More &   Apply Now

The interest rate on our Notice Base Rate Tracker account will update to reflect any changes made to the Bank of England base rate, which may increase or decrease.

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 looking for shorter or longer notice terms, why not open a 35, 90 or 120-day Notice account?

What customers think about our savings accounts

Why save with OakNorth?

Earn more with great rates

This account’s interest rate is linked to the Bank of England rate.

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 Base Rate Tracker?

Before you get started, remember: with this account, you’ll need to give 95 days’ notice before withdrawing your funds. 

Here’s how it works in 3 simple steps:

1. Apply online or in the app

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

2. Deposit and stay flexible

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

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

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 90 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 90 day notice period.

Yes. Interest rates are variable and can be increased or decreased depending on the Bank of England base rate.

OakNorth Bank may also adjust the spread at any time at our sole discretion as outlined in the Interest Section of our Specific Terms and Conditions – Notice Base Rate Tracker Accounts.

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

You can transfer funds between your Notice account and your Base rate tracker account. Transfers will go through after the notice period has been completed. Read the specific Terms and Conditions of your account to learn more.