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Flexible Saver

What is a Flexible Saver? It’s an easy-access 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.

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 Saver with Ford Money? 

  • Benefit from our Best Rate Guarantee
  • Open an account with just £1 and save up to £2,000,000
  • Your interest can be paid monthly or yearly


  • Open multiple accounts 
  • Joint accounts available 
  • Customise your account with a personal savings name or goal 
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Want to find out more?

Watch our short video to learn about our Flexible Saver.

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. If your rate ever decreases, we’ll be sure to let you know at least 30 days before the change.

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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Flexible Saver Summary Box:

Account Name

Flexible Saver

What is the interest rate?

4.60% AER*                                                      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 the estimated balance be based on a £1,000 deposit?

£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.
  • There are no limits on the number of times you can move money in and out of the account.

Can I move my money out?

  • You can move money out of this account, or transfer it to another Ford Money account, at any time, subject to the terms of that account. You won’t need to give us notice.
  • If you 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

  • 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.

Let’s get into the details:


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. This is calculated as 1/365th of the yearly rate.

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

  • This Flexible Saver, 
  • Any other Ford Money savings account you have (subject to its Terms and Conditions), 
  • Your Connected Bank Account. 

Your right to cancel

You can close your Flexible saver, at anytime. Your full balance and any interest earned on your account will be transferred to you.

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 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.