Lock in a great rate and grow your savings tax-free
What is the interest rate?
AER 4.67% / Gross rate 4.57%.
Your savings account will start generating interest no later than one business day from when we receive and apply your first deposit to your savings account.
Interest will be calculated on the minimum daily balance and applied monthly to your OakNorth Cash ISA.
Can OakNorth change the interest rate?
No. The interest rate is fixed during the term.
What would the estimated balance be after maturity based on a £1,000 deposit?
Term/Product - 12 Months
Initial Deposit at account opening - £1,000
Balance after 12 months - £1,046.70
*This is only an example for illustrative purposes and does not take into account your individual circumstances.
These estimates assume that no further withdrawals are made, the account remains open during the selected term, that the interest is accrued daily and applied to the account monthly and that any interest earned stays in the account.
How do I open and manage my account?
Our accounts are available to individuals, aged 18 or over, who are UK residents (i.e. England, Wales, Northern Ireland and Scotland). Also, you must have a personal UK bank or building society account that allows transfers to be made to and from it.
Applications to open an account must be completed through our website here or via the OakNorth mobile banking app. Please note, in case of transfers from another ISA provider, the applications must be completed through our website.
The minimum amount required for the account to remain open is £1. The maximum deposit for this account is the current tax year allowance for ISAs set by HM Revenue & Customs, which for the tax year 2026/27 is £20,000. In addition, or alternatively, you may transfer existing Cash ISAs from other providers into this account. We’re only able to accept electronic Cash ISA transfers from the ISA providers listed in our online application. These limits are subject to HM Revenue & Customs rules.
You can transfer Cash ISA balances from the current tax year as well as previous tax years. Please note, if you have already contributed to your Cash ISA in the current tax year and would like to transfer from the current tax year’s allowance, you must transfer the full amount. The maximum amount (excluding interest) that you may hold on deposit with us across all types of accounts is £500,000.
Upon account approval, you will have 30 calendar days to fund your account via a new deposit and/or Cash ISA transfer, otherwise your account will expire and be closed.
Once you activate online banking, your account can be managed by logging into the OakNorth mobile banking app or the ‘My Account’ section of our website. Alternatively, you can contact us by email, by phone, or by writing to us. Please refer to our website for our contact details.
Can I withdraw money?
Yes. You can withdraw funds (partial or full) from your Fixed Rate Cash ISA by logging into the OakNorth mobile banking app or through the ‘My Account’ section of our website.
Your money can be returned to your nominated account or transferred to another ISA provider. Please note, if you would like to transfer your ISA out, you will need to contact your new ISA provider and instruct them to request a transfer from us.
There is a minimum withdrawal amount of £1.
There will be a withdrawal charge depending on the term taken, as shown below.
ISA Deposit Term / Early Withdrawal Charge
12 Months - 90 days of interest on the amount withdrawn
24 Months - 180 days of interest on the amount withdrawn
36 Months - 270 days of interest on the amount withdrawn
We will deduct the charge from the balance in your account when the withdrawal is made, and you therefore may get back less than you originally deposited. If after withdrawing funds where the balance goes to £0, and remains £0 for a period of six months, we can also close your savings account. We will contact you at least 6 weeks before we close it using the email address you gave us. If the account is closed it cannot be reopened, and you will have to create a new account next time subject to ISA regulations.
You can close or transfer your balance to another ISA provider at the end of the fixed term with no penalty.
This is not a flexible Cash ISA, so any money withdrawn cannot be replaced.
We will write to you at least 14 calendar days before your maturity date to explain your options. We may also send you additional reminders during this time to inform you of the options available as follows:
transfer your entire account balance (principal and interest) to your nominated bank account;
reinvest the principal in another available deposit product with us, and transfer the interest you earned to your nominated bank account;
reinvest your account balance (principal and interest) in another available deposit product with us (provided this wouldn’t put you above the maximum balance limits); or
reinvest a portion of the principal in another available deposit product with us and have the remainder of the principal and interest paid to your nominated bank account.
If we do not hear from you before the account maturity date, the total amount will be automatically transferred to an OakNorth Easy Access Cash ISA. Please see our Easy Access Cash ISA deposit account page on website for the current interest rate.
Additional information
Interest is tax-free and doesn’t count towards your Personal Savings Allowance.
The AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once a year.
The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practice, both of which may change. For more information visit www.hmrc.gov.uk.
Please note: The information provided in the Summary Box, is a summary of the key features of our Fixed Rate Cash ISAs. It should not be used as a substitute for our Terms and Conditions which can be found on our website.
Lock in a great rate and grow your savings tax-free
What is the interest rate?
AER 4.55% / Gross rate 4.46%
Your savings account will start generating interest no later than one business day from when we receive and apply your first deposit to your savings account.
Interest will be calculated on the minimum daily balance and applied monthly to your OakNorth Cash ISA.
Can OakNorth change the interest rate?
No. The interest rate is fixed during the term.
What would the estimated balance be after maturity based on a £1,000 deposit?
Term/Product - 24 Months
Initial Deposit at account opening - £1,000
Balance after 12 months - £1,093.07
*This is only an example for illustrative purposes and does not take into account your individual circumstances.
These estimates assume that no further withdrawals are made, the account remains open during the selected term, that the interest is accrued daily and applied to the account monthly and that any interest earned stays in the account.
How do I open and manage my account?
Our accounts are available to individuals, aged 18 or over, who are UK residents (i.e. England, Wales, Northern Ireland and Scotland). Also, you must have a personal UK bank or building society account that allows transfers to be made to and from it.
Applications to open an account must be completed through our website or via the OakNorth mobile banking app. Please note, in case of transfers from another ISA provider, the applications must be completed through our website.
The minimum amount required for the account to remain open is £1. The maximum deposit for this account is the current tax year allowance for ISAs set by HM Revenue & Customs, which for the tax year 2026/27 is £20,000. In addition, or alternatively, you may transfer existing Cash ISAs from other providers into this account. We’re only able to accept electronic Cash ISA transfers from the ISA providers listed in our online application. These limits are subject to HM Revenue & Customs rules.
You can transfer Cash ISA balances from the current tax year as well as previous tax years. Please note, if you have already contributed to your Cash ISA in the current tax year and would like to transfer from the current tax year’s allowance, you must transfer the full amount. The maximum amount (excluding interest) that you may hold on deposit with us across all types of accounts is £500,000.
Upon account approval, you will have 30 calendar days to fund your account via a new deposit and/or Cash ISA transfer, otherwise your account will expire and be closed.
Once you activate online banking, your account can be managed by logging into the OakNorth mobile banking app or the ‘My Account’ section of our website. Alternatively, you can contact us by email, by phone, or by writing to us. Please refer to our website for our contact details.
Can I withdraw money?
Yes. You can withdraw funds (partial or full) from your Fixed Rate Cash ISA by logging into the OakNorth mobile banking app or through the ‘My Account’ section of our website.
Your money can be returned to your nominated account or transferred to another ISA provider. Please note, if you would like to transfer your ISA out, you will need to contact your new ISA provider and instruct them to request a transfer from us.
There is a minimum withdrawal amount of £1.
There will be a withdrawal charge depending on the term taken, as shown below.
ISA Deposit Term / Early Withdrawal Charge
12 Months - 90 days of interest on the amount withdrawn
24 Months - 180 days of interest on the amount withdrawn
36 Months - 270 days of interest on the amount withdrawn
We will deduct the charge from the balance in your account when the withdrawal is made, and you therefore may get back less than you originally deposited. If after withdrawing funds where the balance goes to £0, and remains £0 for a period of six months, we can also close your savings account. We will contact you at least 6 weeks before we close it using the email address you gave us. If the account is closed it cannot be reopened, and you will have to create a new account next time subject to ISA regulations.
You can close or transfer your balance to another ISA provider at the end of the fixed term with no penalty.
This is not a flexible Cash ISA, so any money withdrawn cannot be replaced.
We will write to you at least 14 calendar days before your maturity date to explain your options. We may also send you additional reminders during this time to inform you of the options available as follows:
transfer your entire account balance (principal and interest) to your nominated bank account;
reinvest the principal in another available deposit product with us, and transfer the interest you earned to your nominated bank account;
reinvest your account balance (principal and interest) in another available deposit product with us (provided this wouldn’t put you above the maximum balance limits); or
reinvest a portion of the principal in another available deposit product with us and have the remainder of the principal and interest paid to your nominated bank account.
If we do not hear from you before the account maturity date, the total amount will be automatically transferred to an OakNorth Easy Access Cash ISA. Please see our Easy Access Cash ISA deposit account page on website for the current interest rate.
Additional information
Interest is tax-free and doesn’t count towards your Personal Savings Allowance.
The AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once a year.
The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practice, both of which may change. For more information visit www.hmrc.gov.uk.
Please note: The information provided in the Summary Box, is a summary of the key features of our Fixed Rate Cash ISAs. It should not be used as a substitute for our Terms and Conditions which can be found on our website.
Please be aware that the value of your investment can go down as well as up, and you may get back less than you invest. ISA and tax rules apply
Lock in a great rate and grow your savings tax-free
What is the interest rate?
AER 3.30% / Gross rate 3.25%.
Your savings account will start generating interest no later than one business day from when we receive and apply your first deposit to your savings account.
Interest will be calculated on the minimum daily balance and applied monthly to your OakNorth Cash ISA.
Can OakNorth change the interest rate?
No. The interest rate is fixed during the term.
What would the estimated balance be after maturity based on a £1,000 deposit?
Term/Product - 24 Months
Initial Deposit at account opening - £1,000
Balance after 12 months - £1,102.30
*This is only an example for illustrative purposes and does not take into account your individual circumstances.
These estimates assume that no further withdrawals are made, the account remains open during the selected term, that the interest is accrued daily and applied to the account monthly and that any interest earned stays in the account.
How do I open and manage my account?
Our accounts are available to individuals, aged 18 or over, who are UK residents (i.e. England, Wales, Northern Ireland and Scotland). Also, you must have a personal UK bank or building society account that allows transfers to be made to and from it.
Applications to open an account must be completed through our website or via the OakNorth mobile banking app. Please note, in case of transfers from another ISA provider, the applications must be completed through our website.
The minimum amount required for the account to remain open is £1. The maximum deposit for this account is the current tax year allowance for ISAs set by HM Revenue & Customs, which for the tax year 2026/27 is £20,000. In addition, or alternatively, you may transfer existing Cash ISAs from other providers into this account. We’re only able to accept electronic Cash ISA transfers from the ISA providers listed in our online application. These limits are subject to HM Revenue & Customs rules.
You can transfer Cash ISA balances from the current tax year as well as previous tax years. Please note, if you have already contributed to your Cash ISA in the current tax year and would like to transfer from the current tax year’s allowance, you must transfer the full amount. The maximum amount (excluding interest) that you may hold on deposit with us across all types of accounts is £500,000.
Upon account approval, you will have 30 calendar days to fund your account via a new deposit and/or Cash ISA transfer, otherwise your account will expire and be closed.
Once you activate online banking, your account can be managed by logging into the OakNorth mobile banking app or the ‘My Account’ section of our website. Alternatively, you can contact us by email, by phone, or by writing to us. Please refer to our website for our contact details.
Can I withdraw money?
Yes. You can withdraw funds (partial or full) from your Fixed Rate Cash ISA by logging into the OakNorth mobile banking app or through the ‘My Account’ section of our website.
Your money can be returned to your nominated account or transferred to another ISA provider. Please note, if you would like to transfer your ISA out, you will need to contact your new ISA provider and instruct them to request a transfer from us.
There is a minimum withdrawal amount of £1.
There will be a withdrawal charge depending on the term taken, as shown below.
ISA Deposit Term / Early Withdrawal Charge
12 Months - 90 days of interest on the amount withdrawn
24 Months - 180 days of interest on the amount withdrawn
36 Months - 270 days of interest on the amount withdrawn
We will deduct the charge from the balance in your account when the withdrawal is made, and you therefore may get back less than you originally deposited. If after withdrawing funds where the balance goes to £0, and remains £0 for a period of six months, we can also close your savings account. We will contact you at least 6 weeks before we close it using the email address you gave us. If the account is closed it cannot be reopened, and you will have to create a new account next time subject to ISA regulations.
You can close or transfer your balance to another ISA provider at the end of the fixed term with no penalty.
This is not a flexible Cash ISA, so any money withdrawn cannot be replaced.
We will write to you at least 14 calendar days before your maturity date to explain your options. We may also send you additional reminders during this time to inform you of the options available as follows:
transfer your entire account balance (principal and interest) to your nominated bank account;
reinvest the principal in another available deposit product with us, and transfer the interest you earned to your nominated bank account;
reinvest your account balance (principal and interest) in another available deposit product with us (provided this wouldn’t put you above the maximum balance limits); or
reinvest a portion of the principal in another available deposit product with us and have the remainder of the principal and interest paid to your nominated bank account.
If we do not hear from you before the account maturity date, the total amount will be automatically transferred to an OakNorth Easy Access Cash ISA. Please see our Easy Access Cash ISA deposit account page on website for the current interest rate.
Additional information
Interest is tax-free and doesn’t count towards your Personal Savings Allowance.
The AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once a year.
The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practice, both of which may change. For more information visit www.hmrc.gov.uk.
Please note: The information provided in the Summary Box, is a summary of the key features of our Fixed Rate Cash ISAs. It should not be used as a substitute for our Terms and Conditions which can be found on our website.
Please be aware that the value of your investment can go down as well as up, and you may get back less than you invest. ISA and tax rules apply
Grow your savings tax-free, with next-day access when you need it
What is the interest rate?
AER 2.75% / Gross rate 2.72%.
Your Easy Access Cash Isa savings account will start generating interest no later than one business day from when we receive and apply your first deposit to your savings account.
Interest is calculated on the minimum daily balance from the business day your funds are received and applied to the account on the first day of every subsequent month.
If a withdrawal request has been made, interest will be calculated on the total amount until, but not including the day of the withdrawal.
Can OakNorth change the interest rate?
Yes. Interest rates are variable and can be increased or decreased at any time at our sole discretion, as outlined in clause 4 our Specific Terms and Conditions Cash ISAs.
If we increase your interest rate, we will notify you within 30 calendar days of the increase. The change will take effect on the 1st day of the next calendar month (in certain cases, with immediate effect). If we decrease your interest rate, we will notify you at least 14 calendar days prior to the decrease.
What would the estimated balance be after 12 months based on a £1,000 deposit?
Term/Product - Next-day access
Initial Deposit at account opening - £1,000
Balance after 12 months - £1,027.50
*This is only an example for illustrative purposes and does not take into account your individual circumstances.
This example assumes that no further deposits or withdrawals are made, that the interest is accrued daily and applied to the account monthly, that any interest earned stays in the account, and that there is no change to the interest rate.
How do I open and manage my account?
Our accounts are available to individuals, aged 18 or over, who are UK residents (i.e. England, Wales, Northern Ireland and Scotland). Also, you must have a personal UK bank or building society account that allows transfers to be made to and from it.
Applications to open an account must be completed through our website here or via the OakNorth mobile banking app. Please note, in case of transfers from another ISA provider, the applications must be completed through our website.
The minimum amount required for the account to remain open is £1. The maximum deposit for this account is the current tax year allowance for ISAs set by HM Revenue & Customs, which for the tax year 2026/27 is £20,000. In addition, or alternatively, you may transfer existing Cash ISAs from other providers into this account. We’re only able to accept electronic Cash ISA transfers from the ISA providers listed in our online application. These limits are subject to HM Revenue & Customs rules.
There is no limit on the number of deposits made into your account up to the current ISA tax year allowance.
You can transfer Cash ISA balances from the current tax year as well as previous tax years. Please note: If you have already contributed to your Cash ISA in the current tax year and would like to transfer from the current tax year’s allowance, you must transfer the full amount. The maximum amount (excluding interest) that you may hold on deposit with us across all types of accounts is £500,000.
Once you activate online banking, your account can be managed by logging into the OakNorth mobile app or the ‘My Account’ section of our website. Alternatively, you can contact us by email, by phone, or by writing to us. Please refer to our website for our contact details.
Can I withdraw money?
Yes. There is no term for an Easy Access Cash ISA and no limitation on the number of withdrawals.
There is a minimum withdrawal amount of £1. No notice of withdrawal is required, and withdrawal requests can be made at any time. The funds will be credited back into your nominated account the next business day, or within 2 business days if the request is received on a non-business day such as a Saturday, Sunday, or a Bank holiday.
You can withdraw funds (partial or full) from your Easy Access Cash ISA via online banking by logging into the OakNorth mobile banking app or through the ‘My Account’ section of our website.
Your money can be returned to your nominated account or transferred to another ISA provider. Please note, if you would like to transfer your ISA out, you will need to contact your new ISA provider and instruct them to request a transfer from us.
If after withdrawing funds where the balance goes to £0, and remains £0 for a period of six months, we can also close your savings account. We will contact you at least 6 weeks before we close it using the email address you gave us. If the account is closed it cannot be reopened, and you will have to create a new account next time.
This is not a flexible Cash ISA, so any money withdrawn cannot be replaced.
Additional information
Interest is tax-free and doesn’t count towards your Personal Savings Allowance.
The AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once a year.
The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practices, both of which may change. For more information visit www.hmrc.gov.uk.
Please note: The information provided in the Summary Box, is a summary of the key features of our Easy Access Cash ISAs. It should not be used as a substitute for our Terms and Conditions which can be found on our website.
Please be aware that the value of your investment can go down as well as up, and you may get back less than you invest. ISA and tax rules apply