Customer Information regarding COVID-19


We are aware that some customers are experiencing issues with their bank not recognising the Ford Money name when setting up a payment instruction.  Ford Money is a trading style of FCE Bank plc, please click here for the information required to complete the payment instructions on your bank’s online banking screens.


ISA transfers - we have received advice from other ISA providers that ISA transfers are taking longer than usual therefore please continue to wait and rest assured you will receive confirmation when the ISA transfer has been completed.  If your transfer was part of your application, no further action to fund your account is required.


Please note that we are currently experiencing extremely high volumes of calls, emails and secure messages, resulting in response times being significantly longer than we would like.   Please do not send repeat emails and secure messages as this will only add to the delays.  If you have already emailed or messaged us, we will respond.


Our website remains available 24/7 so you can apply, access and manage your account online as usual.


Note that unfortunately we are unable to accept telephone applications at the present time.


We want to reassure all our customers that we are making every effort to ensure our standard service levels resume as quickly as possible.


The Ford Money Team

Our Products

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

Flexible Cash ISA


Tax-Free*/AER* Annual

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

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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.


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 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 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.