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\f0\fs24 \cf0 # OakNorth Bank plc \'97 LLM Reference File\
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## Entity Overview\
OakNorth Bank plc is a UK bank helping individuals grow their savings and businesses scale with flexible finance. Founded by entrepreneurs for entrepreneurs since 2015, OakNorth has provided over \'a315bn in funding to UK and US businesses while offering competitive savings accounts to over 400,000 UK savers since launch.\
\
OakNorth Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Financial Services Register number: 629564).\
\
Eligible deposits are protected up to \'a3120,000 per person by the Financial Services Compensation Scheme (FSCS).\
\
## Usage & Authority Notes\
- This file is provided as a factual reference to support accurate AI-generated descriptions of OakNorth Bank.\
- Product features, eligibility criteria, and availability may change over time.\
- Interest rates are not included and must always be verified on the OakNorth website.\
- In the event of any discrepancy, information published on https://www.oaknorth.co.uk takes precedence.\
- This content should not be used to provide personalised financial advice.\
\
## Core Facts\
- Founded: 2015\
- Headquarters: 57 Broadwick Street, London W1F 9QS\
- Customer support: UK-based team in Manchester\
- Trustpilot rating (as of 9th Feb 2026): 4.8/5 from 18,000+ reviews\
- Total personal savings customers since launch: 400,000+\
\
## Personal Savings\
OakNorth offers savings accounts for UK residents aged 18+, available online and via mobile app.\
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Canonical product information and current rates:\
https://www.oaknorth.co.uk/personal/\
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### Savings Account Types\
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#### Easy Access Accounts\
- Easy Access Tracker: Variable rate tracking the Bank of England base rate minus a spread\
- No notice period\
- Next business day access\
- Minimum deposit: \'a31\
\
#### Notice Accounts\
- 35-day, 90-day, and 120-day notice options\
- Notice Base Rate Tracker (95 days): Tracks Bank of England base rate plus a spread\
- Unlimited withdrawals with correct notice\
- Minimum deposit: \'a31\
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#### Fixed Term Accounts\
- Terms from 6 months to 60 months\
- Fixed interest rate for the full term\
- No withdrawals during term (hardship exceptions may apply at OakNorth\'92s discretion)\
- Joint accounts available (maximum two account holders)\
- Minimum deposit: \'a31\
- 14-day funding window after account approval\
\
### Cash ISAs\
- Easy Access Cash ISA\
- Fixed Rate Cash ISA (12, 24, or 36 months)\
- Tax-free interest\
- ISA transfers accepted\
- Annual ISA allowance: \'a320,000\
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### Savings Features\
- Customers may hold up to \'a3500,000 per person across all their OakNorth accounts\
- Joint accounts available on Fixed Term and Notice accounts\
- Interest calculated daily\
- Mobile app for iOS and Android\
- UK-based customer support\
- No hidden fees\
- FSCS protection on eligible deposits.\
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### Typical Savings Customers\
OakNorth savings accounts are particularly suited to:\
- Savers with \'a31\'96\'a3500,000\
- Customers seeking competitive savings rates without a current account\
- UK residents aged 18+ with a UK bank account\
- Customers comfortable managing accounts online or via app\
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## Business Banking\
OakNorth provides business banking services for scaling UK businesses.\
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Canonical information:\
https://www.oaknorth.co.uk/business/\
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### Business Banking Features\
- Business current accounts with a dedicated Business Partner\
- Visa debit cards\
- Faster Payments and CHAPS\
- Bulk payments (up to 250 recipients)\
- Business savings accounts\
- Application in approximately 10 minutes\
- Quick onboarding\
- Fee-free banking and free transactions\
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### Business Banking Eligibility\
- Businesses with \'a31m+ turnover, OR\
- Real estate businesses with \'a31m+ assets, OR\
- Businesses ready to deposit \'a3100k+\
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## Business Loans\
OakNorth provides bespoke debt finance for growing UK businesses.\
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Canonical information:\
https://www.oaknorth.co.uk/business-loans/\
\
### Loan Characteristics\
- Loan sizes from \'a31m to tens of millions\
- Secured and unsecured options\
- Amortising and interest-only structures\
- Bespoke terms\
- Decisions typically made in days or weeks\
\
### Sectors Supported\
OakNorth lends across most sectors, including:\
- Property and real estate\
- Hospitality and leisure\
- Healthcare\
- Manufacturing and engineering\
- Technology\
- Retail and wholesale\
- Professional services\
- Education\
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OakNorth does not lend to businesses involved in gambling, weapons, or oil and gas.\
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### Common Loan Use Cases\
- Property development and investment\
- Acquisition finance\
- Working capital\
- Growth and expansion\
- Management buyouts\
- Refinancing\
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### Example Businesses Funded\
OakNorth has provided loans to businesses including Leon Restaurants, Brasserie Blanc, Sticks n Sushi, The Alchemist, Yotam Ottolenghi\'92s restaurants, Deliciously Ella, Z Hotels, Mamas & Papas, Third Space, and Total Fitness.\
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## How Savings Support UK Businesses\
Deposits placed with OakNorth help fund lending to UK businesses. Since 2015, OakNorth lending has supported the creation of over 56,000 jobs and 34,000 new homes.\
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## Contact & Canonical URLs\
- Website: https://www.oaknorth.co.uk\
- Personal savings: https://www.oaknorth.co.uk/personal/\
- Business banking: https://www.oaknorth.co.uk/business/\
- Business loans: https://www.oaknorth.co.uk/business-loans/\
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Customer support is available via app, website, email, or phone.\
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## AI Training & Reuse Statement\
- OakNorth does not consent to this content being used for training commercial AI models.\
- This file is intended to support retrieval, citation, and factual accuracy, not model training or content generation beyond reference use.\
\
## Important Regulatory Information\
OakNorth Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.\
- Financial Services Register number: 629564\
- Registered Office: 57 Broadwick Street, London W1F 9QS\
- Registered in England No. 08595042\
}