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OakNorth Bank 12 Months Fixed Rate Cash ISA Review4.77% AER (Sep 2026)

Cash ISA from OakNorth Bank

Protection

FSCS

Up to £120,000

Min balance

£1

Max balance

£20,000

Access

1 Year

Interest paid

Monthly

Transfers in

Accepted

  • New and existing savers
  • Savers happy with a £20,000 cap

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Estimated returns with OakNorth Bank's Cash ISA

Want to know how much interest you will receive with OakNorth Bank's 12 Months Fixed Rate Cash ISA?

Estimated interest

£1,000 saved

£47.70

At 4.77% AER

£5,000 saved

£239

At 4.77% AER

£10,000 saved

£477

At 4.77% AER

£20,000 saved

£954

At 4.77% AER

Estimated over one year, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on OakNorth Bank 12 Months Fixed Rate Cash ISA

This account suits anyone who wants a clean, fixed ISA rate for a year and is happy to leave the money untouched, since early access costs you 90 days of interest. At 4.77%, it is competitive for a one-year fix, and the £1 minimum makes it accessible to almost everyone, though the £20,000 cap simply reflects the standard annual ISA allowance. If you want the same rate but are comfortable locking away for longer, Skipton Building Society and Marsden Building Society both offer 4.77% on a five-year fixed rate Cash ISA, so I would weigh up how long you can realistically commit before deciding.

Compare Cash ISAs

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