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Memories in the making

A quick introduction to our Flexible Saver account

The Flexible Saver gives you the freedom to save your way. Whether you're planning for life’s little surprises or going big, it offers unlimited access and savings that grow at our best rate available for this product – automatically.

What you’ll enjoy

What you’ll enjoy

Effortless saving, so you can focus on living

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 Flexible Saver?

 

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Smarter Saving

Smarter Saving

 

With Ford Money’s Best Rate Guarantee, we take care of your savings so they’re always growing at the best rate we offer for this product – automatically. No checking, no chasing, no stress. It’s saving that works smarter.

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We’ve got you covered

We’ve got you covered

 

Your savings deserve more than security - they deserve peace of mind. Backed by FSCS protection and the trusted Ford name, the Flexible Saver gives you confidence to focus on what matters most.

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Save and access anytime

Save and access anytime

 

Designed for real life, your Flexible Saver is ready to access whenever you need it, for life’s big (or small) moments. Save up to £2 million across your accounts with us and enjoy total freedom over your money.
 

Flexible Saver Summary Box

  • Current Interest Rate: 4.35% AER* (4.35% Gross* yearly, 4.27% Gross* monthly)

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

    • This Flexible Saver,
    • Any other Ford Money savings account you have (subject to its Terms and Conditions),
    • Your Connected Bank Account.
  • Yes – this is a variable rate product so we may increase and decrease your interest rate. If we decrease your interest rate, we’ll give you at least 14 days’ notice. For increases, we will update you as soon as possible.

  • £1,043.50 based on £1,000 over 1 year at 4.35%

    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 £1. 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 in and out of the account.

  • You can move money out of this account, or transfer it to another Ford Money account, at any time, subject to the terms of that account. You won’t need to give us notice.

    If you request to move money out of your account before 1pm on a working day (Monday – Friday), your money will reach your Connected Account by close of business the same day. If you request after 1pm, the money will arrive in your Connected Account the next working day (Monday – Friday, excluding public and seasonal holidays).

  • 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.

  • You can close your Flexible saver, at anytime. Your full balance and any interest earned on your account will be transferred to you.

  • 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 Flexible Saver 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 Flexible Saver FAQs

What they’re saying

Hear from our Flexible Saver customers

Hear from our Flexible Saver customers

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Ford Money's great online savings offer

 

Ford Money provide a simple well run savings offer whilst retaining a good level of interest rate. Their online banking is simple and efficient.

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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