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Ford Money Fixed Cash ISA
Fast-track your tax-free* savings and boost your growth with a fixed rate.
New UserExisting user
Ford Money Fixed Cash ISA
New UserExisting user
Men looking at the sea

Grow tax-free and 
temptation-free

Start saving today

A quick introduction to our Fixed Cash ISA Account

The Fixed Cash ISA allows you to take full advantage of your annual ISA allowance, secure your rate for a term that fits your goals and watch your money grow, tax-free* and distraction-free.

What you’ll enjoy

What you’ll enjoy

Best Rate Guarantee

If we increase our rate before your first deposit, you’ll automatically get the new rate. We think it’s fairer that way.

Your interest, your way

Choose monthly or yearly interest payments. Reinvest it, transfer it or use it – it’s up to you

More money in your pocket

Every penny of interest you earn stays yours, growing tax-free.

Maximise your tax-free allowance

Save up to £20,000 a year, tax-free & distraction-free.

Safe and secure

Relax, you’re protected up to £85,000 under the FSCS and backed by the trusted Ford name.

Set up for success

Open your account with just £500 and make unlimited deposits in the first 21 days.

Plan your tax-free growth with our Ford Money Fixed Cash ISA

Calculate your interest

How much are you starting with?
How long do you want to save for?
You could save around:
£ 1,040
Product name
Fixed Cash ISA 1 Year
Min. opening balance
£ 500
Product type
Fixed Term, ISA
Interest rate (AER*)
4.00%Fixed/Tax-Free*
Gross rate*
4.00%Yearly3.93%Monthly
Withdrawals
Permitted¹

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

1 Account closure, withdrawals and transfers-out are permitted. However, a term breakage charge* will be applicable it is during your fixed term and outside of your cancellation period. See the Product Terms and Conditions for further information.

Why choose the Fixed Cash ISA?

 

Two people on a boat

 

Growth simplified

Growth simplified

 

Saving doesn’t have to be a guessing game. With the Fixed Cash ISA, your money grows predictably at a guaranteed rate, distraction-free.

Women floationg in the sea

 

Trusted by Ford, protected by FSCS

Trusted by Ford, protected by FSCS

 

Relax, you’re in safe hands. Saving with Ford Money means your money is protected by the FSCS up to £85,000.
 

Men holding a baby in the garden

 

Smarter tax-free saving

Smarter tax-free saving

 

Feel good knowing that every penny of interest you earn stays yours, growing tax-free. Time for a treat?

Two people on a boat

 

Growth simplified

Growth simplified

 

Saving doesn’t have to be a guessing game. With the Fixed Cash ISA, your money grows predictably at a guaranteed rate, distraction-free.

Women floationg in the sea

 

Trusted by Ford, protected by FSCS

Trusted by Ford, protected by FSCS

 

Relax, you’re in safe hands. Saving with Ford Money means your money is protected by the FSCS up to £85,000.
 

Men holding a baby in the garden

 

Smarter tax-free saving

Smarter tax-free saving

 

Feel good knowing that every penny of interest you earn stays yours, growing tax-free. Time for a treat?

Two people on a boat

 

Growth simplified

Growth simplified

 

Saving doesn’t have to be a guessing game. With the Fixed Cash ISA, your money grows predictably at a guaranteed rate, distraction-free.

  • 1 Year
  • 2 Years
  • 3 Years

Fixed Cash ISA Summary Box

  • What is the interest rate?

    Current Interest Rate: Fixed Cash ISA 1 year - 4.00% AER* (Tax-Free*) (4.00% Gross* yearly, 3.93% Gross* monthly)

    From the day we receive your initial deposit, your Fixed Cash ISA will earn interest daily, based on the balance at the end of each day. This is calculated as 1/365th of the yearly rate. Transfers from existing Cash ISAs usually take 15 business days to show in your account.

    Interest can be paid yearly or monthly and can be paid into:

    • Fixed Cash ISA,
    • Any other Ford Money savings account you have (subject to its Terms and Conditions),
    • Your Connected Bank Account.
  • Can Ford Money change the interest rate?

    No – your rate is fixed for the length of term for which you apply. 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.

  • What are the previous rates on this product?

    Check out our historic rate table here.

  • What would the estimated balance be for a £1,000 deposit?

    For a Fixed Cash ISA 1 year: £1,040.00 based on £1,000 over 1 year 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.

  • How do I open and manage my account?

    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 (within the first 21 days of opening the account.) The maximum amount of new money you can put into a Cash ISA per tax year is set by HMRC ISA Guidelines.

  • Can I move my money out?

    Yes, however it will be subject to a term breakage charge. The only exception to this is if you exercise your right to cancel within 14 days from your first deposit showing in your account. The term breakage charge is taken off the amount we transfer back to you and will be equal to 90 days’ gross interest on the amount you put in the account, at the interest rate your account is earning. You can close or transfer out to another provider at the end of the term (at maturity) with no penalty.

  • Keeping your savings safe

    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.

  • Peace of mind

    Our Fixed Cash ISA offers the peace of mind of a fixed interest rate in return for locking your money away for a set amount of time, such as 1, 2, or 3 years (known as a term).

  • Your right to cancel

    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. If exercise your right to cancel, you can open another Cash ISA with us or a different savings provider, up to your annual allowance for the tax year.

  • Early withdrawals

    A Fixed Cash ISA is designed to be held for the entire term. If you choose to close the account or transfer out of it before the fixed term is over, it will be subject to a term breakage charge (unless you’re within your 14 day cancellation period). If the account is closed outside of your cancellation period, you won’t be able to re-open it or put money in another Cash ISA with us (or any other savings provider) in the same tax year. The term breakage charge is taken off the closing balance we pay you. It will be equal to a fixed number of days’ gross interest on the amount you withdraw, at the rate your account is earning. To work out your term breakage charge, find the relevant account term below, note the amount of days’ interest that will be charged and multiply this by your current interest rate.

    • 1 Year (Term) 90 days (Change Period)
    • 2 Years (Term) 180 days (Change Period)
    • 3 Years (Term) 270 days (Change Period)

    If you withdraw from your Cash ISA after the 14 day cooling off period, you may get less back than you originally deposited. There are only three situations where we don’t apply a term breakage charge for cashing-in early:

    • after a Fixed Cash ISA account holder dies,
    • if we make any change to this agreement that is to your disadvantage,
    • if HMRC does not consider Fixed Cash ISA to be an ISA.
  • Additional Information

    You can split your Cash ISA annual allowance (the maximum amount of money you can put into a Cash ISA per tax year is set by HMRC guidelines) between any of our Cash ISA products. You can also hold multiple ISA accounts across different providers as long as you do not exceed the maximum amount set by HMRC in any one tax year.

    If you need to transfer out the money you have put into your ISA account with Ford Money in the current year, you'll need to contact your alternative provider to determine if they will accept current year's subscriptions under the new HMRC guidelines.

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

Fixed Cash ISA Summary Box

  • What is the interest rate?

    Current Interest Rate: Fixed Cash ISA 2 year - 3.85% AER* (Tax-Free*) (3.85% Gross* yearly, 3.78% Gross* monthly)

    From the day we receive your initial deposit, your Fixed Cash ISA will earn interest daily, based on the balance at the end of each day. This is calculated as 1/365th of the yearly rate. Transfers from existing Cash ISAs usually take 15 business days to show in your account.

    Interest can be paid yearly or monthly and can be paid into:

    • This Fixed Cash ISA,
    • Any other Ford Money savings account you have (subject to its Terms and Conditions),
    • Your Connected Bank Account.
  • Can Ford Money change the interest rate?

    No – your rate is fixed for the length of term for which you apply. 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.

  • What are the previous rates on this product?

    Check out our historic rate table here.

  • What would the estimated balance be for a £1,000 deposit?

    For a Fixed Cash ISA 2 year: £1,078.48 based on £1,000 over 2 years at 3.85%

    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.

  • How do I open and manage my account?

    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 (within the first 21 days of opening the account.) The maximum amount of new money you can put into a Cash ISA per tax year is set by HMRC ISA Guidelines.

  • Can I move my money out?

    Yes, however it will be subject to a term breakage charge. The only exception to this is if you exercise your right to cancel within 14 days from your first deposit showing in your account. The term breakage charge is taken off the amount we transfer back to you and will be equal to 180 days’ gross interest on the amount you put in the account, at the interest rate your account is earning. You can close or transfer out to another provider at the end of the term (at maturity) with no penalty.

  • Keeping your savings safe

    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.

  • Peace of mind

    Our Fixed Cash ISA offers the peace of mind of a fixed interest rate in return for locking your money away for a set amount of time, such as 1, 2, or 3 years (known as a term).

  • Your right to cancel

    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. If exercise your right to cancel, you can open another Cash ISA with us or a different savings provider, up to your annual allowance for the tax year.

  • Early withdrawals

    A Fixed Cash ISA is designed to be held for the entire term. If you choose to close the account or transfer out of it before the fixed term is over, it will be subject to a term breakage charge (unless you’re within your 14 day cancellation period). If the account is closed outside of your cancellation period, you won’t be able to re-open it or put money in another Cash ISA with us (or any other savings provider) in the same tax year. The term breakage charge is taken off the closing balance we pay you. It will be equal to a fixed number of days’ gross interest on the amount you withdraw, at the rate your account is earning. To work out your term breakage charge, find the relevant account term below, note the amount of days’ interest that will be charged and multiply this by your current interest rate.

    • 1 Year (Term) 90 days (Change Period)
    • 2 Years (Term) 180 days (Change Period)
    • 3 Years (Term) 270 days (Change Period)

    If you withdraw from your Cash ISA after the 14 day cooling off period, you may get less back than you originally deposited. There are only three situations where we don’t apply a term breakage charge for cashing-in early:

    • after a Fixed Cash ISA account holder dies,
    • if we make any change to this agreement that is to your disadvantage,
    • if HMRC does not consider Fixed Cash ISA to be an ISA.
  • Additional Information

    You can split your Cash ISA annual allowance (the maximum amount of money you can put into a Cash ISA per tax year is set by HMRC guidelines) between any of our Cash ISA products. You can also hold multiple ISA accounts across different providers as long as you do not exceed the maximum amount set by HMRC in any one tax year.

    If you need to transfer out the money you have put into your ISA account with Ford Money in the current year, you'll need to contact your alternative provider to determine if they will accept current year's subscriptions under the new HMRC guidelines.

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

Fixed Cash ISA Summary Box

  • What is the interest rate?

    Current Interest Rate: Fixed Cash ISA 3 year - 4.00% AER* (Tax-Free*) (4.00% Gross* yearly, 3.93% Gross* monthly)

    From the day we receive your initial deposit, your Fixed Cash ISA will earn interest daily, based on the balance at the end of each day. This is calculated as 1/365th of the yearly rate. Transfers from existing Cash ISAs usually take 15 business days to show in your account.

    Interest can be paid yearly or monthly and can be paid into:

    • This Fixed Cash ISA,
    • Any other Ford Money savings account you have (subject to its Terms and Conditions),
    • Your Connected Bank Account.
  • Can Ford Money change the interest rate?

    No – your rate is fixed for the length of term for which you apply. 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.

  • What are the previous rates on this product?

    Check out our historic rate table here.

  • What would the estimated balance be for a £1,000 deposit?

    For a Fixed Cash ISA 3 year: £1,124.86 based on £1,000 over 3 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.

  • How do I open and manage my account?

    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 (within the first 21 days of opening the account.) The maximum amount of new money you can put into a Cash ISA per tax year is set by HMRC ISA Guidelines.

  • Can I move my money out?

    Yes, however it will be subject to a term breakage charge. The only exception to this is if you exercise your right to cancel within 14 days from your first deposit showing in your account. The term breakage charge is taken off the amount we transfer back to you and will be equal to 270 days’ gross interest on the amount you put in the account, at the interest rate your account is earning. You can close or transfer out to another provider at the end of the term (at maturity) with no penalty.

  • Keeping your savings safe

    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.

  • Peace of mind

    Our Fixed Cash ISA offers the peace of mind of a fixed interest rate in return for locking your money away for a set amount of time, such as 1, 2, or 3 years (known as a term).

  • Your right to cancel

    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. If exercise your right to cancel, you can open another Cash ISA with us or a different savings provider, up to your annual allowance for the tax year.

  • Early withdrawals

    A Fixed Cash ISA is designed to be held for the entire term. If you choose to close the account or transfer out of it before the fixed term is over, it will be subject to a term breakage charge (unless you’re within your 14 day cancellation period). If the account is closed outside of your cancellation period, you won’t be able to re-open it or put money in another Cash ISA with us (or any other savings provider) in the same tax year. The term breakage charge is taken off the closing balance we pay you. It will be equal to a fixed number of days’ gross interest on the amount you withdraw, at the rate your account is earning. To work out your term breakage charge, find the relevant account term below, note the amount of days’ interest that will be charged and multiply this by your current interest rate.

    • 1 Year (Term) 90 days (Change Period)
    • 2 Years (Term) 180 days (Change Period)
    • 3 Years (Term) 270 days (Change Period)

    If you withdraw from your Cash ISA after the 14 day cooling off period, you may get less back than you originally deposited. There are only three situations where we don’t apply a term breakage charge for cashing-in early:

    • after a Fixed Cash ISA account holder dies,
    • if we make any change to this agreement that is to your disadvantage,
    • if HMRC does not consider Fixed Cash ISA to be an ISA.
  • Additional Information

    You can split your Cash ISA annual allowance (the maximum amount of money you can put into a Cash ISA per tax year is set by HMRC guidelines) between any of our Cash ISA products. You can also hold multiple ISA accounts across different providers as long as you do not exceed the maximum amount set by HMRC in any one tax year.

    If you need to transfer out the money you have put into your ISA account with Ford Money in the current year, you'll need to contact your alternative provider to determine if they will accept current year's subscriptions under the new HMRC guidelines.

    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 Cash ISA FAQs

  • What is the minimum amount I can add to this account?

    £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.

  • Can I transfer savings from a previous ISA into this ISA?

    Yes, you can request to transfer current or previous ISA savings into your Ford Money Fixed Cash ISA during the application process. Or, if you already have a Cash ISA with us you can download a transfer form. Transfers must be completed within 21 calendar days of the date we receive your application.

  • What happens at the end of the Fixed Term (my “maturity date”)

    We’ll be in touch around 30 days before your Fixed Cash ISA approaches the end of the fixed term and let you know what options you have and what actions you need to take.

    You’ll normally have the option to:

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

    You will have until 48 hours before your Fixed Cash ISA 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 a 14 calendar day Right to Cancel.

  • Is it possible to withdraw before the end of the fixed term?

    A Fixed Cash ISA is designed to be held for the entire term. If you require more flexibility with your ISA, you could consider our Flexible Cash ISA instead. If you choose to close this account or transfer out of it before the fixed term is over, it will be subject to a term breakage charge (unless you’re within your 14-day cancellation period). If the account is closed outside of your cancellation period, you won’t be able to re-open it or put money in another Cash ISA with us (or any other savings provider) in the same tax year.

  • How is the term breakage charge calculated?

    The term breakage charge is taken off the closing balance we pay you should you close your account before the end of the fixed term (outside of your 14-day cancellation period). It will be equal to a fixed number of days’ gross interest on the amount you withdraw, at the rate your account is earning. To work out your term breakage charge, find the relevant account term below (e.g. 1 year), note the amount of days’ interest that will be charged (e.g. 90 days) and multiply this by your current interest rate (e.g. 4%).

    Term Charge Period
    1 Year 90 days
    2 Years 180 days
    3 Years 270 days
    next
    prev

     

    Please note, if you withdraw from your Cash ISA after the 14-day cooling off period, you may get less back than you originally deposited.

  • When does the term breakage charge not apply?

    There are only three situations where we don’t apply a term breakage charge for early account closure:

    • after a Fixed Cash ISA account holder dies
    • if we make any change to this agreement that is to your disadvantage
    • if HMRC does not consider Fixed Cash ISA to be an ISA
  • What is the ISA allowance for the current tax year?

    The ISA allowance for the current tax year is £20,000. You can split this across different types of ISAs you hold such as Cash ISA’s and Stocks and Shares ISAs. For more information, take a look at the Government guidance.

What they’re saying

Hear from our Fixed Cash ISA customers

Hear from our Fixed Cash ISA customers

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Friendly, knowledgeable customer service advisors

 

Friendly, knowledgeable customer service advisors who answer the phone quickly in a friendly and helpful.

Read more on Smart Money People

  • Important information

    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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This site is intended for UK residents 16 years and over unless otherwise stated. Ford Money is not responsible for the content of external websites. Ford Money is a trading style of FCE Bank plc. which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 204469. Registered in England and Wales under registration number 772784 with registered address at Arterial Road, Laindon, Essex, England, SS15 6EE. Please do not contact this address for customer servicing. For ways to get in touch please visit Contact Us. You can confirm our registration on the Financial Services Register or by contacting the FCA on 0800 111 6768.

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