Is it safe? / Oxbury Bank
Is Oxbury Bank safe?
Yes — Oxbury Bank is FSCS-protected. Deposits up to £120,000 per person (£240,000 for joint accounts) are covered under the Oxbury Bank Plc banking licence (Oxbury Bank Plc). Important: that limit is shared with Oxbury — money across these brands counts as one pot.
Protection
FSCS to £120,000
Licence holder
Oxbury Bank Plc
Parent company
Oxbury Bank Plc
The shared-limit catch
Oxbury Bank shares its banking licence with Oxbury. If you hold savings with more than one of these, the £120,000 FSCS limit applies to the combined total — not per brand. Spreading large balances across different licences keeps every pound protected. Check your spread →
Oxbury Bank's current savings rates
- Personal 5 Year Bond Account (Issue 14)4.88% AER
- Personal 3 Year Bond Account (Issue 25)4.83% AER
- Personal 120 Day Notice Account (Issue 25)4.19% AER
- Personal 90 Day Notice Account (Issue 14)4.18% AER
- Personal 65 Day Notice Account (Issue 7)4.17% AER
From the daily rates scrape. Compare every provider →
Worth knowing
FSCS also covers temporary high balances (house sale, inheritance) up to £1.4m for six months (raised December 2025). Compensation is automatic if a firm fails — typically paid within seven days.