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  • Savings Accounts

    • Savings Accounts

    • Personal Savings

      • Personal Savings

      • Personal 6 Month Bond Account (Issue 4): 4.51% AER

      • Personal Easy Access Account (Issue 1): 3.78% AER

      • Easy Access Account Limited Edition 2: 4.32% AER

      • Personal 3 Year Bond Account (Issue 16): 4.33% AER

      • Personal 18 Month Bond Account (Issue 18): 4.45% AER

      • Personal 2 Year Bond Account (Issue 28): 4.40% AER

      • Personal 4 Year Bond Account (Issue 12): 4.32% AER

      • Personal 5 Year Bond Account (Issue 12): 4.31% AER

    • Farm Business Savings

      • Farm Business Savings

      • Farm Business 3 Month Bond Account (Issue 2): 4.54%

      • Farm Business 6 Month Bond Account (Issue 3): 4.51%

      • Farm Business 95 Day Notice (Issue 13): 4.36% AER

      • Farm Business Easy Access Account (Issue 1): 3.66% AER

      • Farm Easy Access Tracker Ltd Edition 1: 4.13% AER

      • Farm Business 1 Year Bond Account (Issue 16): 4.42% AER

    • Business Savings

      • Business Savings

      • Business Easy Access (Issue 1): 2.76% AER

      • Business Easy Tracker Ltd Edition 1: 4.12% AER

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Oxbury Savings Accounts

Every pound saved with Oxbury goes to help farmers and the wider market produce food, preserve the countryside and deliver a positive impact to the rural economy

View our rates
Protected

Your savings are protected by the Financial Services Compensation Scheme (FSCS) of up to £85,000 per person or per company, per authorised firm

Simple and Secure

24-hour account access via Oxbury Online Banking and on the Oxbury app

Competitive

Maximise the return on your money with competitive interest rates

Make your money work for you

Whether you want peace of mind of a fixed rate and duration, or need easy access to your money, we have the account for you and your business.  
  
Choosing the right account depends on your needs and how long you can afford to lock your money away for. Do you like to know you can access your money as soon as you need it or are you happy to lock away for longer?
   
 Whatever you are looking for, we can help you get the most from your savings. 

Our Savings Accounts

Easy Access Accounts

Conveniently access your savings on the same working day, subject to 1pm cut-off time.

Personal Easy Access Account (Issue 1)

Min: £1,000 Max: £500,000

3.78%

AER Variable

Easy Access Account Limited Edition 2

Min: £20,000 Max: £500,000

4.32%

AER Variable

Fixed Bond Accounts

Deposit a lump sum and watch your savings grow over a set period of time. Competitive fixed interest rates mean you'll know exactly what your return will be.

Personal 6 Month Bond Account (Issue 4)

Min: £1,000 Max: £500,000

4.51%

AER Fixed

Personal 18 Month Bond Account (Issue 18)

Min: £1,000 Max: £500,000

4.45%

AER Fixed

Personal 2 Year Bond Account (Issue 28)

Min: £1,000 Max: £500,000

4.40%

AER Fixed

Personal 3 Year Bond Account (Issue 16)

Min: £1,000 Max: £500,000

4.33%

AER Fixed

Personal 4 Year Bond Account (Issue 12)

Min: £1,000 Max: £500,000

4.32%

AER Fixed

Personal 5 Year Bond Account (Issue 12)

Min: £1,000 Max: £500,000

4.31%

AER Fixed

Easy Access Accounts

Conveniently access your savings on the same working day, subject to 1pm cut-off time.

Farm Business Easy Access Account (Issue 1)

Min: £1,000 Max: £500,000

3.66%

AER Variable

Notice Accounts

Boost and manage your savings by making multiple deposits and withdrawals, to access your money simply give us the required notice when you want to make the withdrawal and we will send your money when the notice period ends. Also be secure in the knowledge that we guarantee your interest rate for the same Notice period, plus 14 days.

Farm Business 95 Day Notice Account (Issue 13)

Min: £1,000 Max: £1,000,000

4.36%

AER Variable

Fixed Bond Accounts

Deposit a lump sum and watch your savings grow over a set period of time. Competitive fixed interest rates mean you'll know exactly what your return will be.

Farm Business 3 Month Bond Account (Issue 2)

Min: £1,000 Max: £1,000,000

4.54%

AER Fixed

Farm Business 6 Month Bond Account (Issue 3)

Min: £1,000 Max: £1,000,000

4.51%

AER Fixed

Farm Business 1 Year Bond Account (Issue 16)

Min: £1,000 Max: £1,000,000

4.42%

AER Fixed

Easy Access Accounts

Conveniently access your savings on the same working day, subject to 1pm cut-off time.

Business Easy Access (Issue 1)

Min: £1,000 Max: £500,000

2.76%

AER Variable

Easy Access Accounts

Conveniently access your savings on the same working day, subject to 1pm cut-off time.

Personal Easy Access Account (Issue 1)

Min: £1,000 Max: £500,000

3.78%

AER Variable

Easy Access Account Limited Edition 2

Min: £20,000 Max: £500,000

4.32%

AER Variable

Fixed Bond Accounts

Deposit a lump sum and watch your savings grow over a set period of time. Competitive fixed interest rates mean you'll know exactly what your return will be.

Personal 6 Month Bond Account (Issue 4)

Min: £1,000 Max: £500,000

4.51%

AER Fixed

Personal 18 Month Bond Account (Issue 18)

Min: £1,000 Max: £500,000

4.45%

AER Fixed

Personal 2 Year Bond Account (Issue 28)

Min: £1,000 Max: £500,000

4.40%

AER Fixed

Personal 3 Year Bond Account (Issue 16)

Min: £1,000 Max: £500,000

4.33%

AER Fixed

Personal 4 Year Bond Account (Issue 12)

Min: £1,000 Max: £500,000

4.32%

AER Fixed

Personal 5 Year Bond Account (Issue 12)

Min: £1,000 Max: £500,000

4.31%

AER Fixed

Easy Access Accounts

Conveniently access your savings on the same working day, subject to 1pm cut-off time.

Farm Business Easy Access Account (Issue 1)

Min: £1,000 Max: £500,000

3.66%

AER Variable

Notice Accounts

Boost and manage your savings by making multiple deposits and withdrawals, to access your money simply give us the required notice when you want to make the withdrawal and we will send your money when the notice period ends. Also be secure in the knowledge that we guarantee your interest rate for the same Notice period, plus 14 days.

Farm Business 95 Day Notice Account (Issue 13)

Min: £1,000 Max: £1,000,000

4.36%

AER Variable

Fixed Bond Accounts

Deposit a lump sum and watch your savings grow over a set period of time. Competitive fixed interest rates mean you'll know exactly what your return will be.

Farm Business 3 Month Bond Account (Issue 2)

Min: £1,000 Max: £1,000,000

4.54%

AER Fixed

Farm Business 6 Month Bond Account (Issue 3)

Min: £1,000 Max: £1,000,000

4.51%

AER Fixed

Farm Business 1 Year Bond Account (Issue 16)

Min: £1,000 Max: £1,000,000

4.42%

AER Fixed

Easy Access Accounts

Conveniently access your savings on the same working day, subject to 1pm cut-off time.

Business Easy Access (Issue 1)

Min: £1,000 Max: £500,000

2.76%

AER Variable

Accounts for Existing Oxbury Customers

Available to view and apply for in Oxbury Online Banking,

Log in here. 

Your savings will help farmers grow and thrive

Our personal, farm business, and business savings accounts are available to individuals and businesses who want to receive a competitive rate of return whilst also supporting  farmers and food producers.
      
Every pound saved with Oxbury goes to help farmers feed the country, preserve the countryside and deliver economic impact to the rural community.
 
We only lend to farmers and food producers.

Benefits of an Oxbury Savings Account

Financial Services Compensation Scheme (FSCS) Protected
FSCS protection on eligible deposits up to £85,000 per person or per company
Simple Online Application and Account Management
24-hour account access via online banking and on the Oxbury app
Competitive Interest Rates
Maximise your interest with competitive rates
Oxbury Savings Accounts
Eligible individuals, businesses or farm businesses can open an Oxbury savings account
Award Winning
Savings Champion 2024 Best Notice Account Provider and Best Savings Provider for Existing Customers, Money Facts Awards 2023 Best Internet Account Provider
See accounts

What do you want from your savings, are you looking for a short-term investment or something long-term?

Each account type offers a different level of benefit. With a Fixed Rate Bond account you are locking your money away for a fixed rate over a set term, so you know exactly what interest you will receive at the end. If you know you do not need to access your savings for a longer period, a fixed rate bond account may be most suitable for your needs.

  

However, if you are looking to save for a shorter time, then a Notice or Easy Access account is typically the account you would need as this gives you a competitive interest rate but you know you can access your money a lot sooner, and if you require access more frequently, such as daily to your savings then an Easy Access account is right for you.

We offer Easy Access, Notice Accounts and Fixed Rate Bonds

Our Easy Access accounts let you deposit whenever you like and make same day online withdrawals* so if you don’t want to lock your money away, an Easy Access account could be right for you. These accounts offer competitive interest rates so you can still watch your savings grow over time.

*Subject to a 1.00pm cut-off time on a Working Day, your funds will be credited by the end of the day

Notice accounts are an ideal way to grow your savings by earning a competitive rate without having to lock your money away for a set time. Like our Easy Access accounts, you can add to your savings whenever you like. To access your money, you will just need to let us know in advance, depending on the notice period of the account you have.

Notice accounts are a great way of saving for a future goal where you can top up the amount you save, knowing you can time the withdrawal for when you need it.

 

A fixed rate bond account is the perfect way to make the most of your money. Choose how long you want to lock your money away for and enjoy a fixed interest rate. Unlike Easy Access and Notice accounts, the rate is guaranteed never to change, which gives you certainty of your saving’s rate of return.

It is important to be sure you won’t need to access your savings before the end date as you won’t be able to access until the fixed rate ends.

Frequently asked questions

To open an Oxbury Savings Account you will need to apply from a desktop, laptop or tablet device and have a UK Current Account, which we call your Linked Account, to make payments to and from your Oxbury Savings Account.

You can manage your savings account in Oxbury Online Banking or in our mobile App, which is convenient, flexible and secure. This is available 24 hours a day, 7 days a week.

To log in to Oxbury Online Banking, the Oxbury App on your smartphone will ask you to input a PIN number or authenticate using your fingerprint / face recognition.

The minimum device requirement is for iPhones running iOS 12.4. or above or Android devices running Android 7 (Nougat) or above.

Yes, each Oxbury Savings Account will have a minimum and maximum deposit amount required. These details can be found in the specific account product summary, you can find this before applying for an Oxbury Savings Account.

Unfortunately, we do not accept funds from existing ISAs, deposits can only be transferred into your Oxbury Savings Account from your Linked Account or moved from another Oxbury Savings Account which is in your name. Your Linked Account needs to be a UK current account and it is the account which you set up during the application process.

We use a range of electronic searches and credit reference and fraud prevention agencies to verify identities, check addresses and validate bank accounts. For business accounts, there may be a separate credit search conducted.

If we are unable to fully verify your details, we will contact you to explain what we need from yourself to enable us to open your account.

It is not possible to close accounts before the bond maturity date or minimum required notice period ends. However, we understand you may encounter unexpected and exceptional circumstances in which case you will need to contact us via email or by using our live chat function which can be found on our 'Help & FAQs' page for us to consider each case individually.

When transferring money to Oxbury your Linked Account provider will run a 'Confirmation of Payee' check against these new account details.

Your savings are protected

As a UK regulated bank, your savings are protected by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme, up to £85,000 per person or per company, per authorised firm.

 

View key FSCS documents

FSCS leaflet

FSCS leaflet

(PDF - 557kb)
Exclusions & Information Sheet

Exclusions & Information Sheet

(PDF - 536kb)
Oxbury

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Our opening hours are 9:00am-5:30pm Monday to Friday, except bank holidays.

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Oxbury Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority with Financial Services Register number 834822. Registered in England and Wales (Registered Number 11383418). Registered Office: One City Place, Queens Road, Chester, CH1 3BQ. VAT Registration Number GB 411 9831 06.
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