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Flexible Saver

What is a Flexible Saver? A flexible, easy access savings account, that allows you to withdraw and deposit as often as you like, with a variable interest rate. Find out more about our Flexible Saver below.

At a glance:

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Interest Rate (Annual)
Interest Rate (Monthly)
Product Type
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  • Open an account with £1 - save up to £2,000,000
  • Make deposits and withdrawals whenever you want 
  • Open multiple accounts
  • Open an account singly or jointly
  • Our Best Rate Guarantee
  • Interest can be paid monthly or annually
  • Customise your account with a personal name or savings goal
flexible saver video

Flexible Saver explained

Want to learn more about our Flexible Saver? Watch this short video for a quick overview.

Identical - Our best rate guarantee

Our Best Rate Guarantee

Enjoy our best available rate, even after you’ve opened your account. On variable rate products you’ll always enjoy the same rates as our new customers on like-for-like products. Where this means your interest rate will decrease, we’ll let you know at least 30 days before the change.

Financial Services Compensation Scheme

Balances up to £85,000 are fully protected under the Financial Services Compensation Scheme.

For more information, visit the FSCS website

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Protection - Financial Services Compensation Scheme

Flexible Saver Summary Box:

Account Name

Flexible Saver

What is the interest rate?

1.30% Gross*/AER* Annual (variable)

1.29% Gross*/AER* Monthly (variable)

  • Interest is calculated daily and can be paid monthly or annually, linked to the date 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.
  • When we increase your interest rate we will inform you at the earliest opportunity. When we decrease your interest rate we will give you  at least 30 days’ notice of the reduction.

What would the estimated balance be based on a £1,000 deposit?

£1,013.00 based on £1,000 over 1 year at 1.30%


This projection is provided for illustrative purposes only and does not take into account your individual circumstances. This is based on no withdrawals or further deposits being made and interest being added to the account. The projected balance is based on the annual interest rate.

How do I open and manage my account?

  • You must be aged 16 or over.
  • This account can be held jointly with one other person.
  • You can open this account online or via telephone.
  • This account is accessed and managed online.
  • You pay money from your Nominated Account or from an existing Ford Money account, subject to the terms and Conditions of that product.
  • Your initial deposit must be received within 14 days from the date we receive your application.
  • Minimum initial deposit £1.
  • Minimum balance £1, maximum balance up to £2,000,000.
  • You can make an unlimited number of deposits.

Can I withdraw money?

  • Withdrawals can be made online at any time to your Nominated Account or by transfer to another Ford Money savings account (subject to the Terms and Conditions of that product).
  • If we receive your request for a withdrawal by 2pm on any business day, the money should be available in your Nominated Account by the end of the following business day.


Additional information

  • The minimum initial deposit you can make is £1. You can hold a balance of between £1 and up to a maximum of £2,000,000 (excluding interest) with us. This limit is combined across all products you hold with us.
  • You are responsible for registering and declaring your tax status and tax residencies, and for paying any tax due to HMRC - if your situation changes you need to update us, so please get in touch.
  • Tax treatment is dependent on the personal circumstances of each customer and may be subject to change in the future.

The information provided above is a summary of the key features of the Ford Money Flexible Saver and is not intended to be a substitute for reading the Product Terms and Conditions. Please make sure you have read the Product Terms and Conditions before applying.

Flexible Saver Details:

Our Flexible Saver offers you the flexibility to make deposits and withdrawals whenever you want, without charge. It offers a variable rate of interest that can increase or decrease.

Flexible Saver can be opened singly or in joint names. You can also open Flexible Saver on behalf of someone else, either under a Power of Attorney or as a Deputy for someone deemed incapable of making their own financial decisions.

Your right to cancel

You can close your Flexible Saver at any time, without notice and without charge. The balance on your account, and any interest earned, will be repaid to you in full.


Your balance must at all times be between £1 and up to £2,000,000.


From the day we receive your initial deposit, your Flexible Saver will earn interest daily, based on the balance at the end of each day and calculated as 1/365th of the annual rate.

Interest can be paid annually or monthly on the anniversary date of your initial deposit and can be paid into:

  • the same Flexible Saver account where it’s earned, 
  • any other Ford Money savings account you hold (subject to its Terms and Conditions), 
  • your Nominated Account. 


If you have selected for your interest to be paid to your Nominated Account and if the interest due date is a non-business day (Saturday, Sunday and Bank Holidays), we’ll send your interest payment via BACs on the next business day. If the anniversary date falls on February 29th, we’ll pay your interest on February 28th, except in leap years when we will pay it on February 29th itself.

Ford Money Flexible Saver Documentation

To make sure Flexible Saver is right 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 Saver

Our online application process is easy - apply today.

  • Gross Rate

    Gross p.a. (per annum) is the taxable rate of interest without the deduction of UK Income Tax per year.


    AER stands for Annual Equivalent Rate. This shows what the gross rate would be if interest was paid and compounded each year. Every savings product will communicate an AER, so you’ll be able to compare product rates more easily.


    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.



Just to let you know we're busier than usual at the moment, so it may take us a little longer than we'd like to answer your queries.

If you’re looking for help funding your new account with us CLICK HERE.