• Visit our website at www.fordmoney.co.uk and click/tap the ‘Login’ icon located in the main menu
• On the next page you will be required to enter your Customer ID and password.
• You can elect for your web browser to remember your Customer ID for future visits, but you will always be required to enter your password each time.  Note that there are also a couple of links at the bottom of this page which you can click/tap on in the event you have forgotten your Customer ID and/or forgotten your password.
• Click/tap ‘Log in’ and if your Customer ID and password are successfully authenticated, you will be taken to the next page where you will be required to choose three randomly selected characters or digits from your memorable details using a set of picklists. Ensure that you have selected the correct character or digit you meant to before proceeding.
• Next click/tap ‘Continue’ and if your selected entries are correct, login has been completed successfully and you will be taken to your Account Summary page.

Once you’ve successfully registered for the app, you can log in using the following methods, depending on the option you selected during the registration process:

1) Biometrics – use fingerprint/facial recognition, depending on the capabilities of your device.

2)  PIN – Enter the six-digit PIN you set up during registration

Should you forget your Customer ID, remember that you can always find it in your welcome pack or your initial welcome email.

At the bottom of the login page, you’ll see a link to request a Customer ID reminder. Click/tap on this link and follow the on-screen instructions. You'll need to provide your surname, mother’s maiden name and the email address registered on the account.

At the bottom of the login page, you’ll see a link to reset your password. Click/tap on this link and follow the on-screen instructions. You'll need to provide your Customer ID and the email address registered on the account.

If you find yourself locked out of your account due to too many incorrect attempts at logging in, simply give us a call on 0345 266 1231 so that we can get you up and running again.

Please call 0345 266 1231 immediately. We can temporarily suspend your account to protect your savings by preventing unauthorised logins and we’ll issue you new login details so you can access your account securely again.

Remember that even in the unlikely event an individual manages to gain access to your account, your savings are further protected by your Connected Bank Account, which is the only account we will permit withdrawals to be made to.

You must always make deposits from your Connected Bank Account via BACS, CHAPS, or Faster Payment. Note that we don’t accept cheques.

When making your deposit please use the following details:

• Beneficiary Name: FCE Bank plc. (‘Ford Money’ is a trading style of FCE Bank plc)
• Our Sort Code: 20-32-53 (We use Barclays as our clearing bank)
• Our Bank Account Number: 63604551
• Our Account Type (if asked): Business
• Our Reference: Your 7-digit Ford Money account number.

Your deposit should be visible within your Ford Money account within 4 hours. This applies to weekends and Bank Holidays.  You will receive a text message to confirm the deposit has reached your account.

This may be because we have rejected it. This can occur if we receive a deposit from an account other than your Connected Bank Account, and/or the payment reference is incorrect. In this circumstance we will return your deposit to the account it came from within two business days from the day it was received.

To make a withdrawal you’ll need to log in to your Ford Money account.

Once on the Account Summary page select the ‘Account Options’ sub menu for the account you wish to make the withdrawal from (if you have more than account) and select ‘Move Money’.

Then follow the onscreen instructions.

Alternatively, you can use our app to make a withdrawal.

As Ford Money use a clearing bank (Barclays) this has some impacts on our transaction processing times.

If your withdrawal is requested before 1pm on a working day (Monday – Friday), your funds will reach your Connected Bank Account by close of business the same day. If the request is made after 1pm on any day, the funds will arrive in your Connected Bank Account by close of business the next working day (Monday – Friday, excluding public and seasonal holidays). Please see table below for further guidance:

You will always receive a text message notifying you of the withdrawal request on the processing day.

Please see table below for further guidance:

Log in to your account and choose ‘View Transactions’.

If the withdrawal has been debited, it will appear at the top of the page with the date it was processed.

If the withdrawal is still being processed, you’ll find it towards the bottom of the page in the ‘Pending Transactions’ section if using our website, or at the top of the page in the ‘Pending Transactions’ section if using our app.

Should you wish to move money between your Ford Money accounts, you’ll need to log in. Once on the Account Summary page you can then choose the account you want to make the transfer from and select ‘Move Money’ from the ‘Account Options’ sub menu. Then follow the onscreen instructions to transfer funds as required.

Alternatively, you can use our app to make a transfer.

If you make a transfer to another eligible Ford Money account before 5pm on a business day, the funds will be available in the destination account on the same day. Alternatively, if the transfer is actioned after this time or on a non-business day, the funds will appear on the following business day. A business day means any day other than a Saturday, Sunday, or English public holiday.

You can find your 7-digit Ford Money account number in the welcome pack we originally sent you and on the Account Summary page when logged in.

If you wish to transfer your ISA to a different provider, please note that you will need to contact that provider to request this. The new provider will ask you to complete an ISA transfer form, which they will send on to us to action the transfer.

When completing the ISA transfer form of your new provider, please make sure you include your 7 Digit Ford Money account number where they request your roll or reference number.

Please remember that if you hold one of our Fixed Cash ISAs a term breakage may apply, so do check the product Terms and Conditions for details.

During your application, you will have registered a UK Bank or Building Society current account with us. This is known as your Connected Bank Account and must be used when making all deposits to - or withdrawals from - your Ford Money account(s). You can also elect to have your interest paid to your Connected Bank Account too.  

When you first open a Ford Money account with us you’ll need to first authenticate your Connected Bank Account before it can be used for transaction purposes.

You also have the ability to change your Connected Bank Account if required at any point in the future.

Any transactions you attempt to initiate using another account other than your Connected Bank Account will be rejected. This is because we operate what is known as a Closed Loop system, which prevents fraud and ultimately keeps your money safe and secure.

In the unlikely event an individual manages to gain access to your Ford Money account they will only be able to withdraw funds to your Connected Bank Account and not to an account of their own.

If you have one of our Fixed products, you will be notified by email and post when your maturity is approaching and provided with instructions as to how to review your options online and notify us of your intentions.  

• Log in to your account and on the Account Summary page select the ‘Account Options’ sub menu on the account that is due to mature (if you hold more than one Fixed account with us) and choose ‘Maturity Options’.
  
• On the next page you will see two options available:
  
  1) Transfer your total balance to a single account
  
  This option allows you to use the entirety of your maturing balance to:
  
  • Open another fixed rate account with the same term or;
  • Open another fixed rate account with a different term or;
  • Open an account for an alternative Ford Money product e.g., Flexible Saver or;
  • Transfer your funds to an existing Ford Money account you hold with us (subject to the funding terms of that product) or;
  • Transfer your funds back to your Connected Bank Account

2) Split your total balance across multiple accounts

This option allows you to split the entirety of your maturing balance across more than one of the accounts listed above, in any combination. 

Note that the account options available to you will vary based on availability at the time of maturity. 

• On the right of this page you will also see the current balance on your maturing account.
• Once you’ve selected either the “single” or “multiple” account option, you’ll be taken to the next page where you will be asked to select the account(s) you want to transfer your maturing funds to, by clicking /tapping ‘Select account’.
  
• A box will display showing your account options, from which you can select as required. 
• If selecting to transfer to a single account, your total maturing balance will be automatically allocated to the new account for you. 
• If choosing multiple accounts, you’ll need to manually enter the amount of funds you wish to allocate to each account chosen. The total balance shown at the top of the page will automatically update to reflect how much you still need to allocate.  You will need to have allocated all your available balance before being allowed to proceed to the next step.
• Once you are happy with your choices and have allocated all your total maturing balance, select ‘Continue’. 
• On the next page, if applicable, you will need to choose which account you wish to pay any unpaid interest to, by selecting from the available account options presented.
• On the next page (if you’ve chosen to open a new Ford Money account) you will be asked to acknowledge that you have been presented with, read and understood the Product Summary Box, Terms and Conditions relating to your chosen product(s), together with the FSCS Information Sheet.
• Should you wish to change any details at this stage you can select ‘Back’ to return to the previous pages and amend your selections accordingly.
• Once you are happy with your choices select ‘Confirm’. You will then be presented with a confirmation page and will receive an email acknowledgement shortly afterwards.

Yes. You are still able to make changes up until 48 hours before your maturity date itself, at which point your choices become finalised.

Note however that you will need to wait 24 hours from when you last made a change before being able to do so again.

To make a change, on the Account Summary page select the ‘Account Options’ sub menu and choose ‘Maturity Options’.

You’ll see a page that shows your current choices on the left and a section that enables you to make amendments as required on the right. Once having selected either the ‘Transfer your balance to a single account’ or ‘Transfer your balance across multiple accounts’ option, you will then follow the same steps as when you made your original selections.

You’ll always receive an email acknowledgement whenever you make any additional changes to your maturity options.

If you’ve elected for your interest to be credited to your account, you may have accrued interest that has still yet to be applied to your current balance at the time of maturity.  

You can withdraw your unpaid interest by selecting ‘Split your total balance across accounts’ on the initial maturity screen.  Once you have allocated your capital balance to one or more of the options listed you will then be given the option of where to allocate your unpaid interest.  The options are either transfer to your ‘existing eligible accounts’ or to ‘your Connected Bank Account.’  

Yes you can.

You have 21 days from the new account opening to make further investments. Please send from your Connected Bank Account using the payment details below:

You can find your new Ford Money account number online on the account summary page, or within your welcome message sent on the date of maturity to your secure message inbox.

If you’ve opened a new Fixed Rate Cash ISA, we can also accept a transfer-in during these 21 days.

As a ‘transfer-out’ request needs to be initiated by your new provider, this is not available to select as a maturity option.

You will instead need to contact your intended ISA provider to arrange the transfer. We recommend you do this in good time to ensure that transfer instructions from your new provider reaches us before your maturity date. Note that transfers can take up to 15 days to reach your account.

When completing the transfer request please quote your seven-digit Ford Money account number for the roll/reference number.

On the maturity date, if we are still awaiting receipt of your new provider’s transfer instructions, we will automatically move your funds into a default product in the interim.  In most circumstances this default product will be the same as your maturing product.

Once on the default product, you’ll be covered by our 14-day cooling off period, so we will still be able to process the transfer out request once received. However, please be aware that any withdrawals made outside of the 14 day period may incur a breakage charge.

Your interest will be paid to your chosen destination on the date of your maturity.

If you have opted for your interest to be credited to your Connected Bank Account, it will be paid the same day if your account matures on a business day. If your account matures on a non-business day, your funds will reach your Connected Bank Account the next business day.

Yes, you have a 14 day “cooling off” period from the maturity date to request closure of the account as part of your right to cancel. This can be requested by secure message or telephone. We will arrange to close the account and return the balance plus any accrued interest to your Connected Bank Account. Please note this can take up to 5 working days for us to action this request.

Alternatively, this can be done by requesting to close your account whilst logged into your online account.

We understand that sometimes your circumstances can change and you may need to access funds held on one of our fixed term products. Please let us know and our team will do their best to help.

The interest frequency and destination on your newly opened account will be the same as your previous matured account.  If you wish to change how your interest is paid, you can do that once your new account(s) has opened.  You simply log into your Ford Money account, go into ‘Account Summary,’ and select ‘Account Options’ on the account you wish to make the changes to.  This will open up a drop-down menu where you need to select ‘Account Details,’ this will allow you to make amends to the interest frequency and or destination.

Before completing maturity options, it is necessary to open a non-ISA account. This is done by logging into your existing account, selecting ‘Open New Account’ from the main menu and following the on-screen instructions.

Wait until this new account is showing on the Account Summary screen, then review your maturity options. Your new non-ISA account will now be showing as an existing account which you can select to move your maturing funds into.

It is important to note a new account must be funded within 21 days of application and this includes funding as part of a maturity option.

If you choose not to select an option, or forget to do so before the maturity date, we will automatically move your funds into a default product, which in most circumstances, will be the same as your maturing product.

It´s therefore important that you take the opportunity to review and select your options in a timely manner to enable us to fulfil your specific requirements.

Log in and select ‘Change Details’ from the main menu of the Account Summary page. When the page loads choose ‘Change Name’ in the Name section.

You’ll then need to download, complete, print and return a form to us. We’ll also need to see one of the following documents:

• A copy of your Marriage Certificate,
• A copy of your Deed Poll or Statutory Declaration,
• A copy of your Decree Absolute, which must show the name.

Send your documents to our Freepost address:

RTUB-AAXH-UHKE
Ford Money
PO Box 871
Wallsend
NE28 5BT

If you elect to send originals, then we recommend you use recorded post or special delivery. We will return any originals we receive. However, it is safer to just send us copies.

Note you are currently unable to make name changes using our app.

• Log in and select ‘Change Details’ from the main menu of the Account Summary page.
• Select ‘Change Address’ in the Address section and follow the onscreen instructions.

Note you are currently unable to make address changes using our app.

• Log in and select ‘Change Details’ from the main menu of the Account Summary page.
• Select ‘Change Email’ in the Email Address section and follow the onscreen instructions.

You can also change your email using our app.

• Log in and select ‘Change Details’ from the main menu of the Account Summary page.
• Select ‘Change Contact Details’ in the Contact Details section and follow the onscreen instructions.

You can also change your mobile number and Home and/or Work phone numbers using our app.

• Log in and select ‘Change Details’ from the main menu of the Account Summary page.
• Scroll down to the ‘Security Details’ section. Choose ‘Change Password’ and follow the onscreen instructions.

Note you are currently unable to change your password using our app.

• Log in and select ‘Change Details’ from the main menu of the Account Summary page.
• Scroll down to the ‘Security Details’ section, select ‘Change Memorable Details’ and follow the onscreen instructions.

Note you are currently unable to change your memorable details using our app.

• Log in and select ‘Change Details’ from the main menu of the Account Summary page.
• Scroll down to the ‘Security Details’ section, select ‘Personalise Customer ID’ and follow the onscreen instructions.

Note you are currently unable to personalise your Customer ID using our app.

• Select ‘Change Details’ from the main menu of the Account Summary page.
• You’ll see your current preferences in the ‘Marketing Communication Preferences’ section.
• To amend them choose ‘Change Preferences’ and follow the onscreen instructions.

You can also change your marketing preferences using our app.

For sole accounts:

• Select ‘Change Details’ from the main menu of the Account Summary page.
• Choose ‘Change Connected Bank Account’   and follow the instructions. We’ll do this by sending out an authentication code to you in the post. In the meantime, you should continue to use your existing Connected Bank Account.
• Once you’ve received your code, log in to your Ford Money account and you’ll see a message in the Account Summary page requesting you to authenticate the bank account connected to your Ford Money account.
• Follow the instructions displayed to complete the update process and once you are notified via email that you’ve successfully verified your new connected bank account, you can start using it straight away. Your old connected bank account details are no longer valid from this point forward.
  
  

For joint accounts:

• Select ‘Change Details’ from the main menu of the Account Summary page.
• Choose ‘Change Connected Bank Account’
• You’ll then need to download a ‘Change Connected Bank Account’ form, complete it, print it and both sign the form before sending it to us at the following Freepost address:
  
  

RTUB-AAXH-UHKE
Ford Money
PO Box 871
Wallsend
NE28 5BT

Alternatively, you can send us a secure message from your account confirming the new account details. Both account holders will need to send a secure message separately to request this.

If you’d like to add an account holder to your existing Ford Money sole account, both you and the proposed joint holder will need to sign and return written instructions to us.

These can be found by logging into your account and selecting ‘Change Details’ from the main menu of the Account Summary page.

You should then select ‘Add Account Holder’ and download, complete and print the form before sending it to us using the following Freepost address:

RTUB-AAXH-UHKE
Ford Money
PO Box 871
Wallsend
NE28 5BT

Once the proposed joint holder has been successfully verified, we’ll send you written confirmation and they will receive details of how to set up their own online access.

If we need more information to verify the proposed joint holder’s identity or address, we’ll be back in touch.

We need both account holders to send us either a secure message or written instructions requesting to remove the joint holder. The secure messages will need to be sent individually from each account holder, and a letter will need to be signed by both parties.

Once we receive these, we’ll remove the relevant holder. We’ll then send confirmation via secure message to the remaining account holder and written confirmation to the holder we’ve removed.

Should a joint account holder pass away, you’ll need to notify us in writing and include a copy of the Death Certificate. We’ll then remove them from the account. Please send your documentation to our Freepost address:

RTUB-AAXH-UHKE
Ford Money
PO Box 871
Wallsend
NE28 5BT

For more information on this, please read our dedicated bereavement FAQs.

• If you prefer the convenience of managing your account on a mobile device instead of our website, you can download our app from the following app stores:

Using our app you can currently:

• Log in via fingerprint or facial recognition, avoiding having to remember your password and memorable details each time you log in.
• Check your savings account balances and available funds (including recent transactions)
• View your account details
• Update your email address, phone numbers and marketing preferences.
• Withdraw funds from your Ford Money easy access accounts to your Connected Bank Account.
• Make internal transfers from Ford Money easy access accounts to other Ford Money savings accounts you hold with us (subject to the terms of that product).
• Set up future dated transactions on your Ford Money easy access accounts.
• View future dated transactions you've already set up.
• Delete unprocessed pending future transactions.
• Reset your password in the event you are unable to remember it when initially registering for the app 
• Ability to request a Customer ID email reminder in the event you are unable to remember it when initially registering for the app 
• Receive in-app notifications

Our mobile app can be used by any Ford Money customer who holds a savings account with us and has registered for the app.

In the case of joint accounts only one account holder can register on the same device for security reasons. Joint account holders must each download and install the app on their own individual devices to access their joint account.

You will need a compatible mobile phone using IOS 11 and above or Android 11 and above.

The Ford Money app will not work on older devices that are unable to upgrade to these minimum operating system versions.

Our app is primarily designed to be installed on a compatible mobile phone. However, the app may also be downloaded and installed on Apple iPads running iOS 11 (or above) and Android tablets Version 11 (or above). Note however that it will display as an up-scaled version of the mobile app.

Yes. It can be downloaded from the Google Play store.

Yes. It can be downloaded from the Apple app store.

No. However, please be aware that your standard mobile network data charges will apply if not connected to Wi-fi when using the app.

Once you’ve downloaded and installed the app you’ll first need to register and activate it. To do so follow these simple instructions below:

1) Open the app on your device and confirm that you’re an existing customer.

2) Enter your usual Ford Money Customer ID and password.

3) Provide the requested digits/characters from your memorable details.

4) Create a new 6-digit PIN that will be used only for the app.

5) Choose to enable biometric logins in future if you’d prefer i.e. facial or fingerprint recognition, depending on the capabilities of your device. Biometrics will then be used to access the app for subsequent logins, instead of entering your newly created PIN.

6) Review and agree to the app terms of use.

7) You will then be able to access the app and view your account(s).

See our FAQ here.

Once logged in you will be automatically taken to the account summary page (also referred to as the ‘Home’ page). Here you will see all your open accounts.

• On the Account Summary page tap ‘Move Money’ on the account you wish to withdraw funds from. Note that this ‘Move Money’ function will not be available on a Fixed Saver or Fixed Cash ISA product.
• Enter the amount you wish to withdraw and select your Connected Bank Account if not already pre-selected. If you chose to withdraw the full balance, this will close your account.
• Next select the date you wish to make the withdrawal and tap ‘Continue’.
• On the next page review the details you have entered for correctness and tap ‘Confirm’. You will need to authenticate the withdrawal using your chosen authentication method i.e. biometrics or PIN.  
• You will see a confirmation page where you can tap ‘Finish’ to be taken back to the Account Summary page.
• The withdrawal will be shown as ‘pending’ in the Transaction Details page.

• On the Account Summary page tap ‘Move Money’ on the account you wish to transfer funds out of. Note that this ‘Move Money’ function will not be available on a Fixed Saver or Fixed Cash ISA product.
• Enter the amount you wish to transfer and select the Ford Money account you wish to transfer funds into. Note you will only see those accounts you hold that permit deposits to be made.
• Next select the date you wish to make the transfer and tap ‘Continue’.
• On the next page review the details you have entered for correctness and tap ‘Confirm’. You will need to authenticate the transfer using your chosen authentication method i.e. biometrics or PIN.  
• You will see a confirmation page where you can then tap ‘Finish’ to be taken back to the Account Summary page.
• The transfer will be shown as ‘pending’ in the Transaction Details page.

• From the Account Summary page tap on the required account to be taken to the Transactions Details page. Here you will see a list of all transaction activity made on that account over the past 12 months as well as any pending transactions.
• Tap the ‘Home’ icon located in the main menu at the bottom of the screen to navigate back to the Account Summary page.

• From the Account Summary page tap on the required account to be taken to the Transactions Details page.
• Tap on Pending Transactions located towards the top of this page to expand the Pending Transactions view, where you will see listed all current pending transactions you have.
• Tap the ‘Home’ icon located in the main menu at the bottom of the screen to navigate back to the Account Summary page.

• From the Account Summary page tap on the required account to be taken to the Transactions Details page.
• Tap on Pending Transactions located towards the top of this page to expand the Pending Transactions view, where you will see listed all current pending transactions you have.
• Tap on the pending transaction you wish to delete and on the next page tap ‘Delete this transaction’. You will be asked to confirm the request.
• Once you have done so, the pending transaction will be deleted and no longer be visible on the Transaction Details page.
• Tap the ‘Home’ icon located in the main menu at the bottom of the screen to navigate back to the Account Summary page.

• To see details of your account such as interest frequency and destination, tap on the menu in the top right of the Transactions Details page and then tap on Account Details.
• Using this same menu, you can also switch between this page, Transactions Details and Move Money at any point.
• Tap the ‘Home’ icon located in the main menu at the bottom of the screen to navigate back to the Account Summary page.

• To view your personal details, tap on the ‘Settings’ icon located in the main menu at the bottom of the screen and then select ‘Personal Details’. On the next page you will be able to see the name, residential address, email and phone numbers we hold on file for you.
• By tapping on ‘Update marketing preferences’ you’ll also be able to see the current communication options you’ve selected.

Currently you are unable to update your address using our app and will need to log in to your account via our website to do so.

• On the ‘Personal Details’ page, tap on your email and, after authenticating yourself using your chosen method i.e., PIN or Biometrics, you will have the option to type in a new email address.
• Tap ‘Next’ and you will then see a message advising that we have sent a verification email to the new address you’ve specified.
• For security reasons, you will need to open that email on the device you have our app installed on and tap on the link in order to complete the update.
• It will take up to 48 hours to process your update request and during this time you will not be able to make further changes to your email.
• On the ‘Personal Details’ page you will see a message indicating that a change is pending on your email during this period.

• On the ‘Personal Details’ page, tap on your mobile phone number and, after authenticating yourself using your chosen method i.e., PIN or Biometrics, you will have the option to type in a new mobile number.
• Tap ‘Next’ and you will then see a message advising that we have sent a verification code via text message to the new mobile phone number.
• For security reasons, you will need to type in the verification code and tap ‘Next’ in order to complete the update.
• It will take up to 48 hours to process your update request and during this time you will not be able to make further changes to your mobile number.
• On the ‘Personal Details’ page you will also see a message indicating that a change is pending on your mobile number during this period.

• On the ‘Personal Details’ page, tap on your home and/or work phone number(s) and, after authenticating yourself using your chosen method i.e., PIN or Biometrics, you will have the option to type in a new number.
• Tap ‘Next’ and you will then see a message advising that we are updating our records.
• It will take up to 48 hours to process your update request and during this time you will not be able to make further changes to your home and/or work number(s).
• On the ‘Personal Details’ page you will also see a message indicating that a change is pending during this period.

• On the ‘Personal Details’ page, tap on ‘Update your marketing preferences you will have the option to switch communication methods on or off as required.
• Tap ‘Next’ and you will then see a message advising that we are updating our records.
• It will take up to 48 hours to process your update request and during this time you will not be able to make further changes to your marketing preferences
• On the ‘Personal Details’ page you will also see a message indicating that a change is pending during this period.

Tap the ‘Settings’ icon located in the main menu at the bottom of the screen and then select ‘Log Out’.

Security is very important to us.

Access to the Ford Money app is via biometric (i.e. fingerprint /facial recognition) or PIN entry. Your login method is uniquely linked to the mobile app on your device. This means only your login works on your app.

To further protect your savings from unauthorised access, we also require authentication to be set up on your device too. This will be a PIN, fingerprint or facial recognition depending on the capabilities of your device.

We regularly test, update and validate our security protocols and systems to ensure we maintain a high level of protection. We also use recognised and independent security experts to validate the security of our app on a regular basis.

Your fingerprint and/or facial ID can be changed and updated within your device’s settings and permissions.

If you ever want to disable biometrics within the app itself, you can do so by tapping the ‘Settings’ icon located in the main menu at the bottom of the screen and then select ‘Biometric Settings’.

Note that periodically you may be prompted to log in using your 6-digit PIN. This is a security feature to ensure your device and access to your account information has not been compromised.

You can change your PIN by tapping the ‘Settings’ icon located in the main menu at the bottom of the screen and select ‘Change PIN’.

If you forget your PIN and need to reset it, you will need to re-register the app following the process detailed in ‘How to register the app’.

Yes, our mobile app can be used by any Ford Money customer who holds a savings account with us.

However, for security reasons, only one account holder can register on the same device. As such, joint account holders must each download and install the app on their own individual devices to access their joint account.

Yes. However, to continue using our app you’ll need to ensure you always have the latest version installed.

If you can’t find the latest version of the app within the relevant app store, this means your mobile device will no longer allow newer versions to be downloaded. However, you can continue to access your account using our website via a mobile device, PC/MAC or laptop in the normal way.

Yes, although you will need to download and re-register the app on your new device, whilst also ensuring you delete the app and all its data from the old device.  You can also contact us and request the app be de-registered from the old device.

Interest can be paid either monthly or annually, depending on your preference and the Terms and Conditions of your chosen product. You can select your preferred option during the account opening process.

If, at a later date, you wish to change the frequency of these payments, select the ‘Account Options’ sub menu on the Account Summary page for the account you wish to amend (if you have more than more account) and choose ‘Account Details’.

You can then view the options available on your product and, where applicable, change the frequency of your interest payments by selecting ‘Amend’ and following the onscreen instructions.

During the application process, you’ll be asked to select the destination account for your interest. Subject to the Terms and Conditions of each Ford Money product that you hold, it may be possible for you to have the interest paid directly into the account you are opening, another Ford Money account you hold already with us, or your Connected Bank Account.

Should you wish to change this destination account at a later date, select the ‘Account Options’ sub menu on the Account Summary page for the account you wish to amend (if you have more than more account) and choose ‘Account Details’.

You can then view the options available on your product and, where applicable, change the destination account to which your interest is currently being paid by selecting ‘Amend’ and following the onscreen instructions.

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.

If you’re saving with something in mind, you can personalise your account to reflect your reason for saving with a name and an icon.

For instance, if you’ve opened a Flexible Saver to put money away for a holiday, you can rename your account ‘World Cruise’ or if making improvements to your home, ‘New Conservatory’ - or whatever you wish!

To do so, choose ‘Personalise Account’ from the Account Options menu on the Account Summary page and follow the onscreen instructions.

You can also personalise your Customer ID too.

If you’re in need of some extra motivation when saving up for something special, you can set yourself goals to encourage you to reach your target on Flexible Saver and Flexible Cash ISA accounts.

Log in to your account and select the ‘Create a new Savings Goal’ link at the bottom of the Account Summary page.

You’ll be asked to give your goal a name, for example, “My Wedding”, and then enter your target savings amount. You’ll have the option of either specifying the date by which you want to achieve this goal, or alternatively, you can enter the amount of money you wish to deposit each month.

Once you’ve clicked Next, you’ll need to choose which of your Ford Money accounts to which you’d like to link this goal. Please note you can only link one goal to one account.

Once your goal has been successfully created, it will appear on your Account Summary page where you’ll be able to track your progress until you reach your Savings Goal.

You can apply for another Ford Money account by logging in and selecting ‘Open New Account’ from the main menu of your Account Summary page.

Here you can see information about our current range of products, choose the one you want and apply in a couple of minutes by following the onscreen instructions.

You’ll receive a confirmation email shortly afterwards and once the account is opened (normally the next working day), we’ll send you a welcome pack to your secure mail inbox.

Flexible Accounts

• On the Account Summary page, select the ‘Account Options’ sub menu and select your account.
• Click ‘Close Account’.
• On the next page you will be asked where you’d like us to transfer the money in your account to. This can be either your Connected Account or another Ford Money account.
• The last step to confirm that you want to go ahead with the closure.
• Closing your account is final, although you’ll be able to still access your statements online for up to 12 months.

Fixed Accounts

Your fixed account can only be closed at the end of your fixed-term (often referred to as your ‘maturity date’).

However, if you have an ISA with us, it can be closed or transferred out at any time subject to a term breakage charge.

A term breakage charge will be applied if you close your account before the end of your fixed term period. This charge is taken off the amount we’ll transfer back to you.

It is equal to a fixed number of days’ of gross interest (at your current interest rate) based on the amount you move out of the account. The number of days is set depending on your fixed term length, as shown in the table below.

For example, if you have a 1 year fixed ISA, at a rate of 2%, your term breakage charge will be worked out using the following sum: 2% of account balance x 90 days.

Please note that the charge will apply unless you are within your 14-day cancellation period.

Individuals have certain rights under privacy legislation.  A summary of your rights is set out below;

The right of access

You have the right to obtain access to your information, and certain other information.

The right to rectification

You are entitled to have your information corrected if it is inaccurate or incomplete.

The right to erasure

This is also known as ‘the right to be forgotten’ and may enable you to request the deletion or removal of your information where there is no compelling reason for it to be kept.  This is not a general right to erasure; there are exceptions.

The right to restrict processing

You have rights to ‘block’ or suppress further use of your information in certain circumstances. When processing is restricted, an organisation can still store your information, but may not use it further.

The right to data portability

You have the right to obtain and reuse your personal data in a structured, commonly used and machine readable format in certain circumstances.

The right to object

You have the right to object to certain types of processing, in certain circumstances.  In particular, the right to object to the processing of their personal data based on the legitimate interests of an entity or on public interest grounds; the right to object to processing for direct marketing purposes (including profiling); the right to object to the use of personal data for scientific or historical research purposes or statistical purposes in certain circumstances.

For more information on your rights, or to make a request as set out above, please visit https://www.fordmoney.co.uk/privacy-policy or send us a secure message. Alternatively, you can apply in writing to our Freepost address:

RTUB-AAXH-UHKE
Ford Money
PO Box 871
Wallsend
NE28 5BT

Should you feel unhappy about any aspect of our products or our service, then our complaints procedure will help resolve your issue quickly and fairly.

You’ll need to contact our Customer Services Team. Please see our Contact Us section for our details.

We’ll send you a formal acknowledgement of your complaint within five business days and aim to have it resolved within eight weeks.

If you’re unhappy with our final response, you can refer it to the Financial Ombudsman Service, who offer a free, independent and impartial service to help settle disputes.

If you’d like further details on making a complaint, download a PDF copy of Our Complaints Procedure.

Yes, as long as you can provide additional information regarding your tax status, which will differ dependent on whether you are a U.S. citizen or a citizen of another country.  Please also see our acceptable documents section for more information.

FATCA

FATCA stands for the Foreign Account Tax Compliance Act. It’s a US law aimed at foreign financial institutions and intermediaries to prevent tax evasion by US citizens and residents through offshore accounts. If you’re a US citizen in the UK, then you’ll be able to apply for a Ford Money product provided that you make a FATCA declaration and inform us of your Tax Identification Number. For more information, please visit the HMRC website.

CRS

CRS stands for Common Reporting Standard. Developed by the Organisation for Economic Cooperation and Development (OECD), it’s a global standard for the exchange of financial account information between tax authorities. If you’re required to report your income or are subject to tax in another country (other than the US which is subject to FATCA), then you’ll be able to apply for a Ford Money product provided that you make a CRS declaration and inform us of your Tax Identification Number(s). For more information, visit the HMRC website.

You’ll need to complete a declaration form regarding your tax status. You can find more information here.

Yes. You’re able to create a joint account either during your initial application or by adding a second account holder at a later stage. You can also remove a joint holder too from an existing account.

Please contact us by secure message or phone and we’ll take the precautionary measure of placing temporary restrictions on account access for both named holders, so no withdrawals can be made until the dispute is settled.

Once you’ve settled your dispute and are both ready to remove these restrictions we’ll need each of you to send us a signed and dated letter stating that you would like these restrictions lifted. Send your letters to our Freepost address:

RTUB-AAXH-UHKE
Ford Money
PO Box 871
Wallsend
NE28 5BT

This is a rule that was introduced by the UK Government in 2016. It means that if you earn money from interest on your savings, you can earn a certain amount of interest without having to pay tax on it. This applies to all your bank accounts, except ISA accounts. The amount you can earn tax-free depends on how much tax you pay. We recommend you check out HMRC current guidelines linked here to find out what your current allowance is. 

An Individual Savings Account (ISA) is a way for people in the UK to save money without having to pay tax on the interest they earn. These accounts are particularly beneficial for people who want to avoid exceeding their Personal Savings Allowance for the current tax year. This is because the interest earned on an ISA is tax-free, and so the Personal Savings Allowance doesn’t apply to them.

Ford Money ISA’s are Portfolio ISAs. A Portfolio ISA is a type of Cash ISA that lets you spread your savings across multiple products. This means you have more control over your money and can choose how much to invest in each product.

For example, if you have £20,000 to invest, you could split it between several of the provider's products.

This could mean putting £5,000 in a Flexible Cash ISA, £5,000 in a 1 Year Fixed Cash ISA, and the remaining £10,000 in a 2 Year Fixed Cash ISA (e.g. 5+5+10 = 20).

Portfolio ISAs also accept "Transfers-in" of prior year ISAs, which means you can move money from other ISAs into your Portfolio ISA.

Ford Money Cash ISAs have ISA flexibility, this means that you can withdraw and replace money from your Ford Money Cash ISA in the same tax year without losing any of your tax-free entitlement. For more details on ISA flexibility and ISAs generally visit the HMRC website.

The tax year runs from 6th April to 5th April.

Should you move abroad once your account with us is already up and running, there are just a few steps you’ll need to take to ensure that you comply with our Terms and Conditions:

• You’ll need to inform us of your change of address. As our online system won’t recognise a non-UK address, we’ll need you to fill in a form and return it to us by post. You can download the form here.
• You’ll need to ensure you maintain a UK bank or building society account as your Connected Bank Account. If you need to make a change to your Connected Bank Account, you can find out how to do this here.
• You’ll need to complete a declaration form regarding your tax status, please get in contact with us so we can arrange for the correct for to be sent out to you. You can read more about non-UK tax residency here.

Please note that if you hold a Cash ISA with us you will no longer be able to make further deposits into this account in line with HMRC requirements.

We recognise that this can be a very difficult time for you and your family, but please rest assured our Contact Centre is available to offer support and guidance throughout this process.

To register the death on the account, we require a photocopy or original of the Death Certificate, along with a signed and dated cover letter. If you have any questions about the account, you can provide this in the cover letter.

We can also accept a Coroners Certificate of the Fact of Death, an Interim Death Certificate and a Death Certificate Verification form.

Once we have registered the death, we will write back to the executor to provide the balance of all accounts held in the deceased’s name and the next steps.

Please send your documentation to our Freepost address:

RTUB-AAXH-UHKE
Ford Money
PO Box 871
Wallsend
NE28 5BT

Yes, you can notify us of the death by email, however we usually require all documents to be posted to us.

If you do need to send us documents via email, we just need to let you know that this is not a secure method and that if you have any concerns regarding this, we recommend that you use a secure method such as post if you are able to.

If the combined balance is over £15,000, we will require the original Grant of Probate or Certificate of Confirmation (Scotland) to action any request regarding the account.

If the combined balance is under £15,000, we will provide you with an Administration of Small Estates form to complete which we will need to see alongside a copy of the Will (if available). If no Will has been left the Administration of Small Estates form needs to be signed by a Commissioner of Oaths.

Once the required documents have been received it can take up to 5 working days for these to be processed. We will send our response back by letter. We are aware it can take time for you to receive the documents we require. Once we have registered the death, the accounts will be frozen until we receive all the relevant information to action your request.  However, the account will continue to earn interest daily.

You can either request this when you initially notify us, or call us on 0345 266 1231 if the death has already been registered. This will be sent through the post.

You do not need to decide which action to take straight away, you can let us know when you are ready. This needs to be a letter signed and dated by all executors / beneficiaries listed on the Grant of Probate / Certificate of Confirmation or the Will. This can be individual letters, or one letter signed by all if there are multiple executors / beneficiaries.

ISA accounts

• Close the account and send the funds electronically to a specified account.  A spouse can claim the additional permitted subscriptions (APS) by transferring the funds to an ISA provider who offer APS Transfer. We do not accept APS so the funds would need to be transferred out.

Non-ISA accounts

• Close the account and send the funds electronically to a specified account.
• Transfer the account into someone else’s name.
• Transfer the funds into someone else’s account (subject to the T&Cs of that account)

Yes, we will require:

• A copy of the Death Certificate
• The funeral invoice
• The bank sort code, account number and name of the beneficiary you´d like the funds credited to

Yes, we will require:

• A copy of the Death Certificate
• The sum of money to be released
• The relevant HMRC form

Funds are paid directly to the HMRC.

A spouse can claim the additional permitted subscriptions (APS) by transferring the funds to an ISA provider who offer APS Transfer. We do not accept APS so the funds would need to be transferred out.

To proceed with an APS transfer we require:

• A copy of the Death Certificate
• A Grant of Probate or Certificate of Confirmation OR
• An administration of small estates form (if there´s no probate)
• A signed and dated withdrawal authority/letter signed by all named executors confirming this action.
• The original or copy of the marriage certificate to show the relationship between the deceased and the spouse.
• The sort code and account number of a current account we can send the funds to as we do not send payments directly to the new ISA provider.

No, once we have registered the death on the account, the attorney is removed from the account (as the Power of Attorney is now void), so you will no longer be able to access the account online.

Sometimes it’s necessary for an account to be managed on behalf of the account holder. This is known as the Power of Attorney. Power of Attorney grants an individual (or group of people) the legal right to manage the financial affairs of someone else (known as the Donor).

There are many reasons why a Power of Attorney may be required. We only accept those where the Donor is losing or has lost the mental capacity to manage their own financial affairs.

Depending on whether you’re in England and Wales, Scotland or Northern Ireland, there are different terms for Power of Attorney. Most common are Lasting Power of Attorney and Enduring Power of Attorney. These two terms are used when a third party applies to run someone’s financial affairs before they lose mental capacity.

 Can find more information of Power of Attorney here.

We will accept an unregistered Enduring Power of Attorney (although if unregistered this could not be used as evidence of identity), unless it contains a condition that it should not be used until the donor is losing or has lost mental capacity. An Enduring Power of Attorney must be registered with the Office of the Public Guardian as soon as the donor starts to lose mental capacity. Please note that where an unregistered Enduring Power of Attorney is presented to us, we may require written approval from the donor before opening the account.

To make an application for a Power of Attorney on an existing account held with us, please call our customer service team. You will need to provide the following documents as part of your application:

• Proof of identity for the Attorney,
• Proof of residency for the Attorney,
• Either the Power of Attorney document, or a Receivership or Deputy Order,
• The Power of Attorney application form that our customer services team will send to you.

Once you’ve completed the application form, send this together with the appropriate documentation to our Freepost address (you won’t need a stamp):

RTUB-AAXH-UHKE
Ford Money
PO Box 871
Wallsend
NE28 5BT

We’ll review your application and supporting documentation and, if everything is in order, we will send you a welcome letter containing your Customer ID and account number. To access and start managing the account online, you will then need to contact us to request a password.

To make an application as a Power of Attorney, please contact our customer service team. You will need to provide the following documents as part of your application:

• Proof of identity for the Account Donor
• Proof of residency for the Account Holder
• Proof of identity for the Attorney
• Proof of residency for the Attorney
• Either the Power of Attorney document or a Receivership or a Deputy Order
• The Power of Attorney application form that our customer services team will send to you

Once you’ve completed the application form, send it together with the appropriate documentation to our Freepost address (you won’t need a stamp):

RTUB-AAXH-UHKE
Ford Money
PO Box 871
Wallsend
NE28 5BT

We’ll review your application and supporting documentation and, if everything is in order, we will send you a welcome letter containing your Customer ID and Account Number.

To access and start managing your new account online, you will then need to contact us to request a password.

Making a deposit under Power of Attorney is straightforward and is no different to how you would manage your savings as a normal account holder. Please visit here for more information.

You’ll see that our website address starts with ‘https://’ instead of ‘http://’. The ‘S’ stands for secure and indicates that we’re fully protected by 256-bit encryption technology.

For further reassurance, whenever you log in to your account you'll see the date and time of your previous login. If it shows something different to what you recall, please call us immediately on 0345 266 1231.

Don’t create a password that can be easily guessed (such as your name or sequential numbers such as 1234). A good password should be a mixture of upper and lower-case letters, numbers plus permissible special characters which are as follows:

*@!#£$^&{}[]/¬'|

Ideally, you should be able to recall your password without having to write it down.

Even if you’re a joint account holder, you should always keep your personal security information safe and never share it with anyone.

In addition, here are some other tips:

• Keep your details up to date, especially your address and email. Ensure no-one else can access your email.
• Try to avoid accessing your account from a public computer. If you need to however, make sure you close the browser after you’ve finished having cleared all cookies and browsing history.
• Check your statements for unauthorised withdrawals. If you spot one, call us immediately on 0345 266 1231 . We'll normally refund them, along with lost interest, provided you’ve taken reasonable precautions to keep your security details safe and haven’t acted fraudulently. For additional assistance and advice on helping you to stay safe online visit the following links:
  https://www.getsafeonline.org/
  https://takefive-stopfraud.org.uk/
• Install a Virtual Private Network (VPN) to help protect your computer from hacking, especially on public Wi-Fi networks. A VPN is a method used to add security and privacy to private and public networks, like Wi-Fi Hotspots and the Internet. VPNs are most often used by corporations to protect sensitive data.
• Make sure your firewall software is up to date.
• Regularly scan your computer for viruses or malware.
• Always log out properly after you’ve finished managing your Ford Money account online. For extra peace of mind, we’ll automatically log you out after 5 minutes of inactivity onscreen.