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OakNorth Bank

Illustrative reference data — not personal financial advice. Verify rates and fees on the provider’s own pages before acting.

App-only challenger. Easy Access Tracker 3.50% (tracks Bank of England base rate minus 0.25 percentage points), Cash ISA 2.75%, Fixed 12-month 4.50% (24-month 4.55%). FSCS-protected.

Products tracked

What works
  • Fixed-rate offers at 4.50% on the 12-month term
  • Easy Access Tracker at 3.50%, moving automatically with the Bank of England base rate
  • FSCS-protected
What to watch
  • App-only
  • Limited customer-service hours

FSCSFinancial Services Compensation SchemeUK government-backed protection if a firm fails. Cash deposits at an authorised bank or building society are covered up to £120,000 per person, per banking group (raised from £85,000 on 1 December 2025). Investments at an authorised platform are covered up to £85,000 — a separate scheme. NS&I sits outside FSCS with 100% HM Treasury backing. protection

FSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).

FSCS deposit cover is per banking licence (not per brand). Lloyds Banking Group includes Lloyds, Halifax, Bank of Scotland, and Birmingham Midshires — all share one £120,000 cap. Investment platforms run on a separate FSCS scheme capped at £85,000. NS&I sits outside FSCS with 100% HM Treasury backing. Spreading large balances across separate licences preserves coverage.

Source · last verified 19 Aug 2026
https://oaknorth.co.uk/personal-savings/easy-access-tracker/ →

Easy Access Tracker 3.50% AER, tracking the Bank of England base rate minus 0.25 percentage points. Easy Access Cash ISA 2.75% AER. Fixed Term 12-month 4.50% AER (24-month 4.55%).

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Reference data only — not personal financial advice or a recommendation. Rates and fees move; verify on the provider’s own pages before opening or transferring an account. Provider trademarks belong to their respective owners; OakNorth Bank appears here under nominative fair-use as identification of a UK financial product.