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Human.
We believe it’s always better to speak
to a person rather than a robot.

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Momentum.
A fixed rate of interest means
your savings will always be growing
with our new Fixed Saver 3 Year.

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Discover.
Read our research findings
on saver behaviours post lockdown

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COVID-19: Support information and our latest service status 


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Our Products

Product offerings and availability will vary from time to time. We are currently offering the following products for new customers:

Flexible Saver

 

0.75%

Gross*/AER* Annual
(Variable)

Flexible Saver

Save money - but keep the ability to treat yourself.

  • Easy access to your money: make unlimited deposits and withdrawals whenever you like
  • Start saving from as little as £1
  • Our Best Rate Guarantee

     Find out more

Fixed Saver 3 Yr

 

1.15%

Gross*/AER* Annual
(Fixed)

Fixed Saver

Lock your money out of temptation's way.

  • A higher return for locking a lump sum of money away for a fixed term
  • The peace of mind of a fixed interest rate
  • Our Best Rate Guarantee
  • £500 minimum deposit
  • Make unlimited deposits within the first 14 calendar days of account opening

     Find out more

Flexible Cash ISA

 

0.65%

Tax-Free*/AER* Annual
(Variable)

Flexible Cash ISA

Tax-free flexible saving.

  • Pay no tax on the interest you earn, so your money works even harder for you
  • Easy access to your money: make unlimited deposits and withdrawals whenever you like
  • Start saving from as little as £1
  • Our Best Rate Guarantee

     Find out more

Fixed Cash ISA

Up to

1.00%

Tax-Free*/AER* Annual
(Fixed)

Fixed Cash ISA

Enjoy a fixed rate of interest for a set term, tax-free.

  • Pay no tax on the interest you earn, so your money works even harder for you
  • A higher return for locking a lump sum of money away for a fixed term
  • Our Best Rate Guarantee
  • £500 minimum deposit
  • Make unlimited deposits within the first 14 calendar days of account opening

     Find out more

Compare Our Products

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Product Name
Min. Opening Balance
Interest Rate (Annual)
Interest Rate (Monthly)
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Interest Rate (Monthly) {{::product.interestRateTypeMnth}}
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¹ Account closure, withdrawals and transfers out are permitted. However, a Term breakage charge* will be applicable if we are instructed to carry out your request within the Term. See the Product Terms and Conditions for further information.

A table detailing the rates we have historically offered on each of our products and the dates these were applicable is available as a downloadable PDF here.

What to look for when choosing a savings product

These three questions can help you quickly decide which kind of product may be best for you.

Hand holding a pound coin

How often will you need to withdraw money?

Variable rate products let you make unlimited withdrawals without penalty. Fixed rate savings products don’t allow early access. Fixed rate ISAs apply term breakage charges if you access your money or close your account before the term ends.

Piggy-bank

How much do you want to save?

This can influence the savings product you choose. For instance, deposits into variable rate products can be as little as £1. Fixed rate products need £500 or more, and you’ll enjoy a fixed rate of interest for a set term.

Pound coin

A savings product or an ISA?

Interest on savings may now be tax-free (£1,000 for basic rate taxpayers, £500 for higher rate taxpayers), but there are still advantages to holding ISAs that can help you maximise your tax-free interest.

Our Guide to ISAs explains all.

  • Gross Rate

    Gross p.a. (per annum) is the taxable rate of interest without the deduction of UK Income Tax per year.

    AER

    AER stands for Annual Equivalent Rate. This shows what the gross rate would be if interest was paid and compounded each year. Every savings product will communicate an AER, so you’ll be able to compare product rates more easily.

    Tax-Free

    Tax-free means you are exempt from UK Income Tax.
    Tax treatment is dependent on the personal circumstances of each customer and may be subject to change in the future.

    Term Breakage Charge

    This is a charge or loss of interest applied if you make a withdrawal from a Fixed ISA product.

Need to talk to us? Our phone lines are open. Call us on 0345 266 1231

Or visit our contact page

Need to talk to us? Our phone lines are currently closed

Visit our contact page for other ways to get in touch

 

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Ford Money

© 2020 Ford Money

 

This site is intended for UK residents 16 years and over unless otherwise stated. Ford Money is not responsible for the content of external websites.
Ford Money is a trading style of FCE Bank plc. which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 204469. Registered in England and Wales under registration number 772784 with registered address at Arterial Road, Laindon, Essex, England, SS15 6EE. Please do not contact this address for customer servicing. For ways to get in touch please visit 'Contact Us'. 
You can confirm our registration on the Financial Services Register or by contacting the FCA on 0800 111 6768.

 

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