Notice Account

OakNorth Bank 95 Day Notice Account Review

One of the best-paying notice accounts, from OakNorth Bank, needing 95 days' notice. It ranks 17th of 95 notice accounts we track.

Variable rate · 95 days' notice

4.15%AER

Then 3.15% after 12 months

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£500,000

Access

95 Days

Interest paid

Monthly

The Rate You'll Get

First 12 months

Boosted
4.15%AER

Includes a 1.00% boost for 12 months

Standard rate (after 12 months)

3.15%AER

How It Stacks Up

Ranks 17th of 95

Notice accounts we track

Among the best
This account 4.15%
UK CPI (Aug 2026)
3.10%
Pays 1.05% more
Average notice account
3.46%
Pays 0.69% more
Best notice account
4.40%
Pays 0.25% less

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

Compare notice accounts

A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want a monthly income

Worth Weighing Up

  • Con: You need to give 95 days' notice to withdraw
  • Con: Rate drops to 3.15% after 12 months
  • Con: The rate is variable, so it can go down

Good to Know

You can't close your account or make any withdrawals without providing 95 days notice.

Please verify all details with the provider – see our Disclaimer

See all OakNorth Bank accounts

Estimated returns with OakNorth Bank's Notice Account

What you could earn with OakNorth Bank's 95 Day Notice Account.

Estimated interest

£1,000 saved

£41.50

At 4.15% AER

£5,000 saved

£208

At 4.15% AER

£10,000 saved

£415

At 4.15% AER

£500,000 saved

£20,750

At 4.15% AER

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

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on OakNorth Bank 95 Day Notice Account

Jan WatermannCo-Founder, DepositScout

OakNorth Bank's 95 Day Notice Account pays 4.15%, which sits above the notice account market average but 0.25% behind the category leader at 4.40%. The 4.15% includes a 1% boost for 12 months, after which the rate drops to 3.15%, so this account suits savers who plan to reassess before that point. On the plus side, 4.15% beats August 2026 CPI of 3.1% by 1.05%, and the rate tracks Bank of England base rate plus 0.37%, giving some downside protection if rates fall.

Compare Notice Accounts

2 alternatives to OakNorth Bank's 95 Day Notice Account

Same type of account, closest on rate.

Common questions about the 95 Day Notice Account

D

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