Savings Interest Rates, Switch Offers and Guides for Oxbury Bank

Who they are

Oxbury Bank was founded by bankers, farmers, agricultural businesses and technologists, making it the UK's only bank 100% dedicated to serving the rural economy. It launched as a fully regulated bank in February 2021 and has grown quickly since. By 2023 it had become one of the UK's fastest-ever fintechs to reach profitability, just two years from launch. The idea is simple: your savings fund farm lending, so 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. It is app and online-only - there are no branches.

Savings accounts

Oxbury keeps things straightforward: notice accounts, easy access, and fixed-rate bonds, all with a £1,000 minimum deposit. The notice range spans four terms - 35, 65, 90, and 120 days - and all pay variable rates. If you want certainty, the fixed bonds run from three months out to five years, with rates that are locked in until maturity and no access to your money before then.

All rates here are variable on the notice and easy access accounts, and fixed on the bonds, so check the live figures on this page before you apply - they move regularly.

Deposits up to £120,000 are covered by the UK's FSCS deposit guarantee scheme at Oxbury Bank , which neatly matches the maximum balance the bank accepts per person. Oxbury holds its own banking licence, so your protection is not shared with any other savings brand.

Is it right for you?

Oxbury suits savers who are comfortable managing everything through an app and want a clean range of accounts without bonus-rate catches. The notice accounts reward a little patience - the longer you commit to giving notice, the better the rate. The fixed bonds suit those who can genuinely lock money away, since there is no access until maturity.

There is something to be said, too, for the mission: if backing British agriculture matters to you, Oxbury is the only place to do it through a fully regulated savings account.

The live rates shown on this page are always the most current figures - worth a quick check before you decide.