Easy Access Bonus Rate Summer Saver 1: 5.01% AER (new customers only)

Yes.

Oxbury can make changes to your underlying and bonus interest rate. Where your balance is over £100, any reductions in the interest rate will be communicated to you providing at least 14 calendar days’ notice. Where we increase your rate or we decrease it when you have a balance below £100, we’ll usually make the change immediately and notify you as soon as possible. Our Deposit Terms and Conditions set out the circumstances when we may change the interest rate, such as where our cost of funding increases as a result of changes in the Bank of England base rate.

This account includes a bonus rate for a fixed period. We will notify you at least 14 calendar days in advance of the expiry of this bonus rate and the reversion to the underlying rate.

Please note this account is NOT linked to the Bank of England base rate so fluctuations in the base rate will not automatically be reflected in the interest rate applicable to your account.

The above example shows the estimated balance after 12 months without the Bonus rate applied and an estimation where the Bonus rate has been applied between 24/06/26 to 24/12/26 on deposits of £1,000. This projection is for illustrative purposes only, it does not take account of your individual circumstances and assumes that:

• The account is opened on 24/06/2026 with the initial deposit amount stated and interest starts being earned straight away
• No further deposits or any withdrawals are made
• The accrued interest is credited monthly to your Easy Access Bonus Rate Summer Saver 1 account
• The “Includes Bonus” example assumes the Bonus rate is applied to the account between 24/06/26 and 24/12/26 and then reverts to the Without Bonus rate

To open this account you need to:

• Agree to this Product Summary and our Deposits General Terms and Conditions, including Part B of the Deposits General Terms and Conditions, which apply to Easy Access Bonus Rate Summer Saver 1 account
• Be an individual aged 18 or over and an eligible new customer, as defined in the criteria in the additional information section below. Ineligible customers will have their Easy Access Bonus Rate Summer Saver account closed and any funds deposited returned to them
• Have a UK current bank account in your name; this will be the account you use to make payments in and out of this Easy Access Bonus Rate Summer Saver 1 account and is known as your ‘Linked Account’
• Be resident in the UK, and only tax resident in the UK. This account cannot be held in trust or by US Persons (meaning US citizens, residents, green card holders or taxpayers in respect of their worldwide income)
• Apply from a desktop, laptop or tablet device
• Make your initial deposit within 90 days of opening the account; if the minimum deposit balance of £1,000 is not met during this period, your account will automatically close, and any funds deposited returned to you

If you change your mind within 14 days of opening your account and wish to close it, we will return any money you have paid into your Oxbury account back to you and then close it.

To manage your account:

• You can contact us and send instructions in relation to your account using Oxbury Online Banking or the Oxbury App, we cannot accept instructions via any other communication method unless in exceptional circumstances
• You must have a smart phone or tablet, running a version of iOS for iPhones and Android operating system for Android devices that meets the minimum running requirements for the Oxbury App, which may change from time to time; the current requirements are available in the FAQ section of our website
• You will need 2 devices to register for Oxbury Online Banking and the Oxbury App, a smart phone or tablet and a separate device running an internet browser
• Access to Oxbury Online Banking and the Oxbury App is restricted in certain countries, see the FAQ page on our website for additional information
• The maximum amount that can be held in the account is £120,000. We will allow balances to exceed the maximum amount where it is a result of interest paid into your account. We will, however, return other deposits that take your account over its maximum limit

• YES. You can close your account and / or withdraw up to the full balance of your account subject to our cut-off times:
  • You will be able to close your account, make a withdrawal to your Linked Account or transfer to another of your Oxbury Accounts, provided your instruction is received before 1.00pm on a Working Day and passes our payment validation requirements
  • Any instructions received after the cut-off time will be processed on the next Working Day
• You will receive your money into your Linked Account by the end of the Working Day your instruction was processed
• You cannot cancel an instruction on the day it is due to be processed

AER stands for Annual Equivalent Rate and illustrates the interest rate if it was paid and compounded once each year.

The Bonus (includes bonus rate) AER helps you compare this account to others by showing the equivalent annual rate if the bonus were applied and compounded over a full year. As the bonus ends on 24/12/26, your actual return over 12 months will differ.

Accounts can be withdrawn from sale at any time and without notice.

We pay all savings interest gross, which means no tax is deducted.

External transfers with a value over £1 million will be processed by using CHAPS. These are charged at £10 per payment.

For the purposes of eligibility for this product, a new savings customer is defined as any individual that meets one of the following criteria:

• Has never previously opened a savings account with Oxbury Bank; OR
• Is an existing Oxbury customer who holds or has held only a lending product (e.g. a mortgage or farm loan) and has never held a savings account with Oxbury Bank

Ineligible customers that open this account will not earn interest and will have their Easy Access Summer Saver 1 account closed with any funds deposited returned to them.

If you have any questions visit our website at www.oxbury.com or email savings@oxbury.com.
We are open Monday to Friday 9:00am – 5:30pm, except bank holidays.