Cash ISA

OakNorth Bank 36 Months Fixed Rate Cash ISA Review

One of the best-paying three-year cash ISAs, from OakNorth Bank. It ranks 5th of 28 three-year cash ISAs we track.

Fixed rate · 3 years

5.03%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Term

36 Months

Transfers in

Accepted

How It Stacks Up

Ranks 5th of 28

3-year cash ISAs we track

Among the best
This account 5.03%
UK CPI (Aug 2026)
3.10%
Pays 1.93% more
Average 3-year cash ISA
4.61%
Pays 0.42% more
Best 3-year cash ISA
5.11%
Pays 0.08% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

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A Good Fit For

  • Pro: New and existing savers

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Estimated returns with OakNorth Bank's Cash ISA

What you could earn with OakNorth Bank's 36 Months Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£159

At 5.03% AER

£5,000 saved

£793

At 5.03% AER

£10,000 saved

£1,586

At 5.03% AER

£50,000 saved

£7,931

At 5.03% AER

Estimated over the 36-month term, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on OakNorth Bank 36 Months Fixed Rate Cash ISA

Jonny PeaseCo-Founder, DepositScout

OakNorth Bank's 36 Months Fixed Rate Cash ISA pays 5.03%, which sits above the cash ISA market average but 0.09% behind the category leader at 5.12%. At 1.93% above August 2026 CPI of 3.1%, it does at least beat inflation in real terms. Transfers in are accepted, which is useful if you want to consolidate existing ISA money. The main catch is the three-year lock-in, so this suits savers who are confident they won't need access; Tandem Bank's 3 Year Fixed Rate Cash ISA offers a marginally higher 5.04% if you want to shop around.

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2 alternatives to OakNorth Bank's 36 Months Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 36 Months Fixed Rate Cash ISA

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