Easy Access

OakNorth Bank Easy Access Tracker Review

One of the best-paying easy access accounts, from OakNorth Bank. It ranks 9th of 152 easy access accounts we track.

Variable rate

4.35%AER

Then 3.00% after 3 months

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£500,000

Access

Next-day

The Rate You'll Get

First 3 months

Boosted
4.35%AER

Includes a 1.35% boost for 3 months

Standard rate (after 3 months)

3.00%AER

How It Stacks Up

Ranks 9th of 152

Easy access accounts we track

Among the best
This account 4.35%
UK CPI (Aug 2026)
3.10%
Pays 1.25% more
Average easy access
2.83%
Pays 1.52% more
Best easy access
5.00%
Pays 0.65% less

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

Compare easy access

A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want instant access

Worth Weighing Up

  • Con: Rate drops to 3.00% after 3 months
  • Con: The rate is variable, so it can go down

Please verify all details with the provider – see our Disclaimer

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Estimated returns with OakNorth Bank's Easy Access

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

Estimated interest

£1,000 saved

£43.50

At 4.35% AER

£5,000 saved

£218

At 4.35% AER

£10,000 saved

£435

At 4.35% AER

£500,000 saved

£21,750

At 4.35% 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 Easy Access Tracker

Jan WatermannCo-Founder, DepositScout

The 4.35% headline rate sits above the easy access market average and beats August 2026 CPI of 3.1% by 1.25%, so this works for anyone who wants a real return without locking money away. The catch is that 1.35% of that rate is a three-month boost; once it expires, you drop to a 3.00% base, which is 0.65% behind the easy access market leader at 5.00%. I would diary the end date and compare again then, as Cahoot's Simple Saver currently matches the boosted rate at 4.35%.

Compare Easy Access Accounts

2 alternatives to OakNorth Bank's Easy Access Tracker

Same type of account, closest on rate.

Common questions about the Easy Access Tracker

D

DepositScout Alerts

2 minutes ago

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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