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Oxbury Bank Plc Reviews 1,506

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TrustScore 4.5 out of 5

4.5

Bank
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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the ease and straightforwardness of opening an account, often noting the quick setup process. Many appreciate the competitive interest rates, which are often described as market-leading and a key reason for choosing the company. The website and app are generally praised for being user-friendly, intuitive, and easy to navigate, with clear instructions and information. However, some people were dissatisfied with certain aspects of the service, particularly regarding security procedures and app functionality. A few users found the security measures overly complex or had difficulty accessing their accounts, especially when dealing with phone changes or a preference for desktop banking without app reliance. There were also occasional mentions of the app being clunky or issues with verifying identity, leading to frustration for a minority of customers.

What people talk about most

User experience

People report positive experiences with user experience, often praising the simple, straightforward, and... See more

Price

Consumers generally find the interest rates to be positive, with many praising them as competitive and often... See more

Website

Reviewers mention positive feedback about the website, highlighting its ease of use and navigation. Many... See more

Application

Clients share positive opinions on the app, with many finding it easy to use and navigate, highlighting its... See more

Service

Customers consistently note ambiguous experiences with service. Some reviewers praise the high-quality... See more

Based on these reviews

Rated 4 out of 5 stars

Little bit over zealous and over-complicated with the security procedures to access the account. Can only pay in from ONE account (tried a £1 TEST PAYMENT but it was refused as was from my wife and I... See more

Rated 4 out of 5 stars

I'm not particularly techno savvy and got a little confused with accessing my account. Having sussed it out eventually I thought what a good way to do it, you can't be to careful with all these scamm... See more

Rated 5 out of 5 stars

Picked up the recommendation for the product I chose from MSE web page. (6 mth Fixed Term Bond - good rate of interest for my deposit). Process of opening my account was easy and straightforward. R... See more

Rated 5 out of 5 stars

I had difficulty logging into my savings account as my phone was professionally cleaned. Initially, I was informed by email that it would take five working business days to issue a new code. I was not... See more

Company details

  1. Bank
  2. Agricultural Association

About Oxbury Bank Plc

Written by the company

Oxbury Bank was founded to provide the food and farming industries with the funding and support that they need. We are extremely positive about the future of agriculture and the opportunities available for the sector.

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. We’re a bank that wants to see farming businesses thrive, together we can make that happen.

For most banks, farming is only a small part of their business. At Oxbury, it is what we do.

Contact info

4.5

Excellent

TrustScore 4.5 out of 5

2K reviews

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Replied to 94% of negative reviews

Typically replies within 1 week

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Rated 1 out of 5 stars

Non reporting to HMRC

All Oxbury customers need to recognise the following written statement I received from Oxbury - "Banks are required by HMRC to complete a Bank and Building Society Interest (BBIS) return. Oxbury does not currently have this obligation". Very strange; what makes Oxbury so special? This must be resulting in a loss of HMRC tax revenues? Every individual has a responsibility to report to HMRC, if required, AND SO DO BANKS...!

1 November 2025
Unprompted review
Oxbury Bank Plc logo

Reply from Oxbury Bank Plc

Hello,

We are very sorry that your experience with Oxbury was not satisfactory. At Oxbury we pride ourselves on putting our customers first, and we want the chance to turn this negative experience into a positive one. If you have any questions, please contact us at complaints@oxbury.com and we will try to assist you in any way we can.

Many Thanks,

The Complaints Team

Rated 5 out of 5 stars

Recommended

A very easy web site and app to navigate but even so I still managed to make an error. A call to the help desk, that was answered immediately, and everything was sorted out without drama. Efficient and their savings rates are as good as any available at this time. Whats not to recommend ?

19 January 2026
Rated 1 out of 5 stars

If you thought Labour was…

If you thought Labour was anti-business, wait until you try dealing with Oxbury Bank 😂
Took finance on a machine. Business actually grows (imagine that), now want to sell it & refinance the remaining balance onto a newer, larger machine.
Oxbury: “No thanks, you're locked in till the end of the term.”
In Oxbury-Labour World, businesses are only allowed to expand once every 5 years when the finance timer dings.
Their “generous” early exit offer? 3% of the remaining balance.
That's not an exit fee – that's basically a “stay trapped or pay us a fortune to leave” tax.
Makes selling the machine and upgrading completely unviable. Congrats Oxbury, you've turned asset finance into a hostage negotiation.
Hands down the worst lender I've ever dealt with. Zero flexibility, zero interest in actual business growth.
Won't touch them again unless they bin this ridiculous locked-in-forever stance.
If you're a farmer/small business owner thinking of Oxbury for machinery finance… maybe look elsewhere first.
#OxburyBank #AssetFinance #SmallBusinessUK #FarmingFinance

12 January 2026
Unprompted review
Oxbury Bank Plc logo

Reply from Oxbury Bank Plc

Hello,

We are very sorry that your experience with Oxbury was not satisfactory. At Oxbury we pride ourselves on putting our customers first, and we want the chance to turn this negative experience into a positive one. We will be sending you an email, but if you have any questions, please contact us at complaints@oxbury.com and we will try to assist you in any way we can.

Many Thanks,

The Complaints Team

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