Small kid in the nature

Savings for a sunny day

A quick introduction to our Fixed Saver

Lock in your rate for a term that fits your goals, knowing it’s growing steadily and safely with Ford Money’s Fixed Saver. Enjoy predictable returns that get you one step closer to your next milestone.

What you’ll enjoy

What you’ll enjoy

Plan your savings with our Ford Money Fixed Saver

Calculate your interest

Please use our calculator as an estimate only, your rate may go up or down over your saving term. Moving money in and out of your account will also affect your interest amount.

Why choose the Fixed Saver?

 

Two people on a boat

 

Growth you can count on

Growth you can count on

 

With Ford Money’s Fixed Saver, your savings grow on autopilot over the term you choose. No fuss, no surprises. Just reliable returns that with a fixed rate that gives you certainty from day one.

Women waving on the beach

 

We’ve got you covered

We’ve got you covered

 

Your money deserves more than a safe place – it deserves peace of mind. Backed by the trusted Ford name and FSCS protection, the Fixed Saver gives you total confidence – so you can focus on what really matters.
 

Man holding a child on the evening

 

Be ready for life’s next milestones

Be ready for life’s next milestones

 

You’ve done the hard work, now keep it out of temptations way for a term that works best for your future.

Fixed Saver Summary Box

  • Current Interest Rate: Fixed Saver 1 year - 4.15% AER* (4.15% Gross* yearly, 4.07% Gross* monthly)

    From the day we receive your initial deposit, your Fixed Saver will earn interest daily, based on the balance at the end of each day. This is and calculated as 1/365th of the yearly rate. Interest can be paid yearly or monthly and can be paid into:

    • This Fixed Saver,
    • Any other Ford Money savings account you have (subject to its Terms and Conditions),
    • Your Connected Bank Account.
  • No, your rate is fixed for the length of your term. You will receive at a minimum the interest rate shown at the time you applied. If we increase our rate before you make your first deposit, you’ll receive the new higher rate.

  • For a Fixed Saver 1 year: £1,041.50 based on £1,000 over 1 year at 4.15%

    This example is given for illustrative purposes only and it doesn’t reflect your specific circumstances. It’s based on no extra money being moved in or out of the account and assumes that your interest is being added to the account. The estimated balance is based on the yearly interest rate.

  • Open and manage your account online. Move money in from your Connected Account or from an existing Ford Money account. You must open the account with at least £500. Make sure to move this into the account within the first 21 days of opening the account.

    Maximum balance up to £2,000,000 (excluding interest.) This amount is combined across all the accounts you have with us. There are no limits on the number of times you can move money into the account during the first 21 days. After this, you’ll be unable to add any extra money in.

  • No, this is not possible during your fixed term. You can move your money at the end of the term (at maturity) with no loss of interest.

  • Your savings are protected under the Financial Services Compensation Scheme (FSCS) Protection. It protects up to £85,000 (or £85,000 each, for joint account holders) of the money in your Ford Money accounts. If you have more than one account with Ford Money or share a joint account, the amount protected by the FSCS will be £85,000 across them all. For more information, visit the FSCS website.

  • Our Fixed Saver offers the peace of mind of a fixed interest rate in return for locking your money away for a set amount of time, either 1 or 2 years (known as a term).

  • If you decide this product isn’t for you, you can cancel within the first 14 calendar days from the date your first deposit shows in your account.

  • The Fixed Saver accounts are designed to be held for the full term. Early withdrawals are generally not permitted.


    However, we understand that exceptional circumstances may change. Early closure or withdrawal is only possible in the following two situations:


    1. Account Holder’s Death: In the unfortunate event of the account holder's passing, we can facilitate early closure or withdrawal.


    2. Changes to the Agreement: If we make any changes to the terms of this agreement that negatively impact you, you may be eligible for early closure or withdrawal.


    Please note: Early closure or withdrawal may incur penalties. For specific details, please refer to our Terms and Conditions or contact our customer service team.

  • Tax treatment is dependent on the personal circumstances of each customer and may be subject to change in the future.

Fixed Saver Summary Box

  • Current Interest Rate: Fixed Saver 2 year - 4.00% AER* (4.00% Gross* yearly, 3.93% Gross* monthly)

    From the day we receive your initial deposit, your Fixed Saver will earn interest daily, based on the balance at the end of each day. This is and calculated as 1/365th of the yearly rate. Interest can be paid yearly or monthly and can be paid into:

    • This Fixed Saver,
    • Any other Ford Money savings account you have (subject to its Terms and Conditions),
    • Your Connected Bank Account.
  • No, your rate is fixed for the length of your term. You will receive at a minimum the interest rate shown at the time you applied. If we increase our rate before you make your first deposit, you’ll receive the new higher rate.

  • For a Fixed Saver 2 year: £1,081.60 based on £1,000 over 2 years at 4.00%

    This example is given for illustrative purposes only and it doesn’t reflect your specific circumstances. It’s based on no extra money being moved in or out of the account and assumes that your interest is being added to the account. The estimated balance is based on the yearly interest rate.

  • Open and manage your account online. Move money in from your Connected Account or from an existing Ford Money account. You must open the account with at least £500. Make sure to move this into the account within the first 21 days of opening the account.

    Maximum balance up to £2,000,000 (excluding interest.) This amount is combined across all the accounts you have with us. There are no limits on the number of times you can move money into the account during the first 21 days. After this, you’ll be unable to add any extra money in.

  • No, this is not possible during your fixed term. You can move your money at the end of the term (at maturity) with no loss of interest.

  • Your savings are protected under the Financial Services Compensation Scheme (FSCS) Protection. It protects up to £85,000 (or £85,000 each, for joint account holders) of the money in your Ford Money accounts. If you have more than one account with Ford Money or share a joint account, the amount protected by the FSCS will be £85,000 across them all. For more information, visit the FSCS website.

  • Our Fixed Saver offers the peace of mind of a fixed interest rate in return for locking your money away for a set amount of time, either 1 or 2 years (known as a term).

  • If you decide this product isn’t for you, you can cancel within the first 14 calendar days from the date your first deposit shows in your account.

  • The Fixed Saver accounts are designed to be held for the full term. Early withdrawals are generally not permitted.


    However, we understand that exceptional circumstances may change. Early closure or withdrawal is only possible in the following two situations:


    1. Account Holder’s Death: In the unfortunate event of the account holder's passing, we can facilitate early closure or withdrawal.


    2. Changes to the Agreement: If we make any changes to the terms of this agreement that negatively impact you, you may be eligible for early closure or withdrawal.


    Please note: Early closure or withdrawal may incur penalties. For specific details, please refer to our Terms and Conditions or contact our customer service team.

  • Tax treatment is dependent on the personal circumstances of each customer and may be subject to change in the future.

Fixed Saver Summary Box

  • Current Interest Rate: Fixed Saver 3 year - 4.30% AER* (4.30% Gross* yearly, 4.22% Gross* monthly)

    From the day we receive your initial deposit, your Fixed Saver will earn interest daily, based on the balance at the end of each day. This is and calculated as 1/365th of the yearly rate. Interest can be paid yearly or monthly and can be paid into:

    • This Fixed Saver,
    • Any other Ford Money savings account you have (subject to its Terms and Conditions),
    • Your Connected Bank Account.
  • No, your rate is fixed for the length of your term. You will receive at a minimum the interest rate shown at the time you applied. If we increase our rate before you make your first deposit, you’ll receive the new higher rate.

  • For a Fixed Saver 3 year: £1,134.63 based on £1,000 over 3 years at 4.30%

    This example is given for illustrative purposes only and it doesn’t reflect your specific circumstances. It’s based on no extra money being moved in or out of the account and assumes that your interest is being added to the account. The estimated balance is based on the yearly interest rate.

  • Open and manage your account online. Move money in from your Connected Account or from an existing Ford Money account. You must open the account with at least £500. Make sure to move this into the account within the first 21 days of opening the account.

    Maximum balance up to £2,000,000 (excluding interest.) This amount is combined across all the accounts you have with us. There are no limits on the number of times you can move money into the account during the first 21 days. After this, you’ll be unable to add any extra money in.

  • No, this is not possible during your fixed term. You can move your money at the end of the term (at maturity) with no loss of interest.

  • Your savings are protected under the Financial Services Compensation Scheme (FSCS) Protection. It protects up to £85,000 (or £85,000 each, for joint account holders) of the money in your Ford Money accounts. If you have more than one account with Ford Money or share a joint account, the amount protected by the FSCS will be £85,000 across them all. For more information, visit the FSCS website.

  • Our Fixed Saver offers the peace of mind of a fixed interest rate in return for locking your money away for a set amount of time, either 1 or 2 years (known as a term).

  • If you decide this product isn’t for you, you can cancel within the first 14 calendar days from the date your first deposit shows in your account.

  • The Fixed Saver accounts are designed to be held for the full term. Early withdrawals are generally not permitted.


    However, we understand that exceptional circumstances may change. Early closure or withdrawal is only possible in the following two situations:


    1. Account Holder’s Death: In the unfortunate event of the account holder's passing, we can facilitate early closure or withdrawal.


    2. Changes to the Agreement: If we make any changes to the terms of this agreement that negatively impact you, you may be eligible for early closure or withdrawal.


    Please note: Early closure or withdrawal may incur penalties. For specific details, please refer to our Terms and Conditions or contact our customer service team.

  • Tax treatment is dependent on the personal circumstances of each customer and may be subject to change in the future.

The information provided above is a summary of the key features of the Ford Money Fixed Cash ISA and is not intended to be a substitute for reading the Product Terms and Conditions. Please make sure you have read the Product Terms and Conditions before applying.

Ready to start saving?

Let’s make saving effortless, apply for an account in minutes.


Get started

  1. Find your match

    Explore our savings accounts and select the best fit for your financial goals.

  2. Complete your application

    Enter the required details, review the T&C's and then hit submit.

  3. Start your savings journey

    Once approved, make that all-important first deposit and you're on your way.


Get started

Your Fixed Saver FAQs

  • £500. Make sure to transfer this within the first 21 days of opening your account so that the account remains open. If you transfer less than £500, we’ll return the amount to you and your account will be closed.

  • That all depends on your goals and how you intend to use the account. If you’ve built up some savings and won’t need to access them for a set length of time, it could be worthwhile if you’ll benefit from a higher interest rate for locking the money away. However, if you need an account that lets you access your savings at any point, an easy access product like our Flexible Saver might be more suitable.

  • Yes, interest can be paid yearly or monthly. It can be paid into:

    • This Fixed Saver
    • Any other Ford Money savings account you have (subject to its Terms and Conditions)
    • Your connected bank account
  • We’ll be in touch around a month before your Fixed Saver approaches the end of the fixed term and we’ll explain what options you have available and the actions you need to take.

    You’ll normally have the option to:

    • Withdraw your savings,
    • Re-invest in another Ford Money Fixed Saver,
    • Re-invest in a different Ford Money product,
    • Create any combination of the above.

    You will have until 48 hours before your Fixed Saver reaches the end of the fixed term to select your preferred option(s). If we don’t hear from you by then we’ll offer you another term of the same or similar length, and this will start automatically at the end of the fixed term. Of course, we’ll tell you about this and you’ll have 14 calendar days to cancel too.

  • The Fixed Saver accounts are designed to be held for the full term. Early withdrawals are generally not permitted.
However, we understand that exceptional circumstances may change. Early closure or withdrawal is only possible in the following two situations:


    1. Account holder’s death: In the unfortunate event of the account holder's passing, we can facilitate early closure or withdrawal.


    2. Changes to the agreement: If we make any changes to the terms of this agreement that negatively impact you, you may be eligible for early closure or withdrawal.


    If you have any questions about early withdrawal, please contact us – we're here to help.

What they’re saying

Hear from our Fixed Saver customers

Hear from our Fixed Saver customers

Two people taking selfie

Great fixed term rates

 

I hadn’t heard of Ford Money before I opened the account but it was recommended by a professional. It was offering a great rate and continues to so I reinvest every year.

Read more on Smart Money People

  • The Jargon

    We'd rather not use it, but just so you know, here's what some of the worst offenders actually mean.

     

    Gross Rate

    Gross interest is the annual rate of interest you'll earn from a savings account before tax is taken off.

    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. 

    Best Rate Guarantee

    This means that on variable rate products, we promise you’ll always receive the same rate as new customers on like-for-like products. And on our fixed rate products, you’ll receive the interest rate shown at the time you apply or if we increase our product rate before you make your initial deposit, you’ll receive the higher interest rate. 

    AER

    AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest were paid and added to your account each year. 

    Term Breakage Charge

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

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