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Make your tax-free savings
go further with a Flexible Cash ISA.

Flexible Cash ISA

What is a Flexible Cash ISA? It’s an easy-access ISA account that allows you to put money in and move it out as often as you like. It has a variable interest rate, which means it can change over time. And because it's an ISA, your savings will remain tax-free. 

At a glance:

Product Name

Min. Opening Balance
Interest Rate AER*
Product Type

Product Name

Min. Opening Balance
Interest Rate AER*
Product Type
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Why Open a Flexible Cash ISA with Ford Money? 

  • Maximise your savings with the tax-free* benefits of an ISA
  • Move money in and out of your ISA without it affecting your annual ISA allowance*
  • The interest earned on an ISA doesn’t count towards your Personal Savings Allowance so your savings work even harder for you
  • If you move money out of your ISA, it won’t reduce your ISA allowance
  • Benefit from our Best Rate Guarantee
  • Open an account with just £1 and save up to £2,000,000
  • It’s easy to transfer your ISA from other providers
  • Your interest can be paid monthly or yearly
  • Combine any ISAs you have into one account
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Want to find out more?

Watch our short video to learn about our Flexible Cash ISA. 

Flexibility - Easy to manage cash ISAs

All Cash ISAs are tax-free.
But ours are hassle-free too.

Our Cash ISAs help  you easily manage your savings for your specific  needs. 

Read our  FAQs under “Tax-free saving” for more information

More details

Financial Services Compensation Scheme (FSCS) Protection

Your savings are protected under the scheme. 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

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Protection - Financial Services Compensation Scheme

Flexible Cash ISA Summary Box:

Account Name

Flexible Cash ISA

What is the interest rate?

4.60% AER* (Tax-Free*)                              4.60% Gross* yearly     

                                                                               4.51% Gross* monthly  

  • Interest is calculated daily and can be paid monthly or yearly, depending on when we receive your initial deposit.

Can Ford Money change the interest rate?

  • 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 30 days’ notice. For increases, we will update you as soon as possible.

What would my estimated balance be if I had £1,000 in my ISA account?

£1,046.00 based on £1,000 over 1 year at 4.60%

  • 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 £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.
  • 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 visit the HMRC website.
  • The maximum amount of money you can put into a Cash ISA per tax year is set by HMRC ISA Guidelines.

Can I move my money out?

  • You can move money out of the account, or transfer it to another ISA provider, at any time. You won’t need to give us notice and you won’t lose any interest you’ve earned.
  • 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).


Additional information

  • You can split your Cash ISA yearly allowance (the maximum amount of money you can put into a Cash ISA per tax year is set by HMRC ISA Guidelines) between any of our Cash ISA products.
  • If you need to transfer out the money you have put into your ISA in the current year, you must transfer the full amount. This is because you can only have one active Cash ISA.
  • Tax treatment is dependent on the personal circumstances of each customer and may be subject to change in the future.

The information given above is a summary of the key features of the Ford Money Flexible Cash ISA and is not intended to be a substitute for reading the Product Terms and Conditions.

Let's get into the details:


As well as the tax-free benefits of an ISA, our Flexible Cash ISA also offers you the convenience of moving money in and out whenever you want, without charge. It offers a variable rate of interest that can increase or decrease.

Your right to cancel

If you decide this product isn’t for you, you can cancel within the first 14 calendar days of making your first deposit. 


From the day we receive your initial deposit, your Flexible 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 Flexible Cash ISA
  • Any other Ford Money savings account you have (subject to its Terms and Conditions)
  • Your Connected Bank Account


You can ask to transfer current or previous ISA savings into your Ford Money Flexible Cash ISA during the application process. Or, if you already have a Cash ISA with us you can download a transfer form below.

Transfers must be completed within 21 calendar days of the date we receive your application.

A Cash ISA transfer form is available as a downloadable PDF here.

A Stock and Shares ISA transfer form is available as a downloadable PDF here.

You can transfer your balance to another provider at any time without charge. You’ll need to contact your new provider and ask them to request a transfer from us.

Ford Money Flexible Cash ISA Documentation

To make sure Flexible Cash ISA is the right product for you, read the following documents.

Summary Box

This details all the product features.

Summary Box

Product Terms & Conditions

This explains how the product operates, and its legalities - without complex legal language.

Terms & Conditions (PDF)

Customer Agreement

This outlines the terms of our relationship and what you can expect from Ford Money as a business.

Agreement (PDF)

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Apply for Flexible Cash ISA

Our online application process is easy - apply today.


Gross Rate

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


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.


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.

Term Breakage Charge

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