Cash ISA

OakNorth Bank Easy Access Cash ISA Review

A cash ISA from OakNorth Bank. It ranks 80th of 137 cash ISAs we track.

Variable rate

2.75%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

Next-day

Transfers in

Accepted

How It Stacks Up

Ranks 80th of 137

Cash ISAs we track

Below average
This account 2.75%
UK CPI (Aug 2026)
3.10%
Pays 0.35% less
Average cash ISA
2.98%
Pays 0.23% less
Best cash ISA
4.87%
Pays 2.12% less

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

A better-paying alternative

Trading 212 bank logo

Trading 212

Cash ISA

4.60%

AER

  • Pays 1.85% more than this OakNorth Bank account
  • Includes a 1.00% bonus for 12 months, then 3.60%
Compare Cash ISAs

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Pros and cons

  • Pro: New and existing savers
  • Con: The rate is variable, so it can go down

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Estimated returns with OakNorth Bank's Cash ISA

What you could earn with OakNorth Bank's Easy Access Cash ISA.

Estimated interest

£1,000 saved

£27.50

At 2.75% AER

£5,000 saved

£138

At 2.75% AER

£10,000 saved

£275

At 2.75% AER

£50,000 saved

£1,375

At 2.75% 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.

Our Expert Opinion on OakNorth Bank Easy Access Cash ISA

Jan WatermannCo-Founder, DepositScout

OakNorth Bank's Easy Access Cash ISA pays 2.75%, which is below the market average for Cash ISAs and sits 2.37% behind the category leader at 5.12%, so I would not call this a standout rate. It also falls 0.35% below CPI inflation of 3.1% (Aug 2026), meaning your money is losing real purchasing power. The £1 minimum deposit is genuinely low and transfers in are accepted, which suits someone consolidating old ISAs, but I would at least compare the Moneybox Open Access Cash ISA at 3.80% before committing here.

Compare Cash ISAs

2 alternatives to OakNorth Bank's Easy Access Cash ISA

Same type of account, closest on rate.

Common questions about the Easy Access Cash ISA

D

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Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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