Oxbury Bank

Who they are

Oxbury is the first bank of its kind to be set up in the past two centuries, founded by bankers, farmers, agricultural businesses and technologists to become the UK's only bank 100% dedicated to serving the rural economy. Since launching as a fully regulated bank in February 2021, Oxbury has grown significantly and is now the bank of choice for farmers. It is headquartered in Chester.

That agricultural focus has a real implication for savers. 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. So if you like the idea of your savings doing something purposeful, there is a genuine story here - not just marketing copy.

Oxbury have their own banking licence, which is not shared with any other banks. That matters because your FSCS protection is not split with another brand. As a UK regulated bank, your savings are protected by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme, up to £120,000 per person or per company, per authorised firm. That £120,000 limit is higher than the standard £85,000 cap you see at most providers - worth noting if you are depositing a larger lump sum.

Savings accounts

Oxbury currently offers two personal notice accounts on DepositScout, both variable rate and both requiring a minimum of £1,000 to open.

The Personal 90 Day Notice Account pays 4.18% AER. You give 90 days' notice before you can withdraw, so it suits money you know you will not need in a hurry. The Personal 35 Day Notice Account pays 4.16% AER - fractionally less, but with a much shorter 35-day notice window. Both accounts pay interest monthly, which is handy if you want to see your returns building through the year rather than waiting until the end.

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 an easy access account, you can add to your savings whenever you like - to withdraw, you simply give the required notice period in advance.

There are no bonus rates to watch out for and no introductory periods that quietly expire. The rates are variable, so they can move up or down, but what you see is the genuine rate.

To open an Oxbury savings account you will need to apply from a desktop, laptop or tablet device and have a UK current account to make payments in and out. You can then manage your account through Oxbury Online Banking or their mobile app. There are no branches. Oxbury have won the Moneynet Award 2026 for Best Digital Savings Provider and the Money Facts Award 2025 for Best No Notice Account Provider - a reasonable sign that their digital offering is well regarded in the industry.

Is it right for you?

Oxbury fits a fairly specific type of saver. If you have £1,000 or more sitting somewhere that is not earning much, and you know you will not need it urgently, a notice account here gives you a competitive rate with no rate-drop traps built in. The 35-day account offers a reasonable middle ground - enough friction to stop impulsive spending, but not so long a wait that it becomes inconvenient.

The notice account market does not move as fast as easy access, and the gap between notice rates and the best easy-access deals is currently quite narrow. It is worth comparing before you commit. There is no current account switching offer from Oxbury, and the accounts are savings-only - Oxbury does not offer a current account to personal customers.

If you are comfortable managing everything digitally and want a provider with a clear purpose behind its lending, Oxbury is worth a serious look.

The live rates shown on this page are updated regularly - always check the current figures before applying, as variable rates can change.