A field with poppies

Save at your pace.
Grow at ours.

A quick introduction to our Regular Saver account

It’s a 12-month Regular Saver account that we like to call our Step-Up Saver. It helps you build positive habits by saving up to £200 per month in return for a guaranteed interest rate. No pressure, no withdrawal restrictions – just a straightforward way to get you where you want to be, one step at a time.

What you’ll enjoy

What you’ll enjoy

Plan your savings with our Ford Money Regular Saver

Calculate your interest

Please use our calculator as an estimate only, it does not consider your individual circumstances.

Why choose the Regular Saver?

 

Woman smiling on a beach

 

Your savings, your way

Your savings, your way

 

The Regular Saver adapts to your needs, letting you save between £25 and £200 a month. Need to skip a contribution? No problem – your rate will remain intact, and you can access your savings penalty-free.
 

Roller coaster ride

 

The best of both

The best of both

 

Benefit from both security and flexibility with the Regular Saver. Enjoy a fixed interest rate for 12 months, ensuring steady growth, while keeping the ability to access your savings at any time.

View in the nature

 

Small steps, big impact

Small steps, big impact

 

With the Regular Saver, build positive habits through consistent monthly contributions and get closer to your savings goals.

Regular Saver Summary Box

  • Current Interest Rate: 4.75% AER* (4.75% Gross* yearly, 4.75% Gross* monthly) 

    Interest is calculated daily and added to the Regular Saver Account balance at the end of the term. At the end of the term, we'll transfer the total balance (including any interest earned) to a Flexible Saver 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.

  • £2462.66 12 months at 4.75%

    This projection is provided for illustrative purposes only and does not take into account your individual circumstances. This is based on a regular monthly deposit of £200 no withdrawals being made and interest being added to the account. The projected balance is based on the annual interest rate

  • You can only open one Regular Saver Account.

    Open and manage your account online. Move money in from your Connected Bank Account or from an existing Ford Money account. You must pay money into the account within the first 21 days of opening your account, otherwise it will close automatically.

    The minimum deposit required to open this account is £25. The maximum monthly deposit amount is £200 in total per calendar month, this can be made in multiple deposits providing the maximum monthly amount is not exceeded. Maximum balance up to £2,000,000 (excluding interest.) This amount is combined across all the accounts you have with us.

  • You can move money out of the Regular Saver 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 withdraw more than the maximum monthly amount, you will still only be able to deposit the maximum monthly amount i.e. if the maximum monthly amount is £200, and you withdraw £400, you can only pay in £200 in the calendar month.

  • 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 Regular 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 Regular Saver FAQs

What they’re saying

Hear from our customers

Hear from our customers

Women sitting in the garden with a dog

Fantastic savings experience!

 

Always real and helpful people in customer service. Excellent product, excellent rates and excellent communication. I would, and have, given my full recommendation to others.

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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