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Our Savings Products

We offer a select range of savings products and ISAs that make saving easy and rewarding.

What to look for when choosing a savings product

These three questions can help you quickly decide which kind of product may be best for you.

Hand holding a pound coin

How often will you need to withdraw money?

Variable rate products let you make unlimited withdrawals without penalty. Fixed rate savings products don’t allow early access. Fixed rate ISAs apply Term breakage charges if you access your money or close your account before the Term ends.

Piggy-bank

How much do you want to save?

This can influence the savings product you choose. For instance, deposits into variable rate products can be as little as £1. Fixed rate products need £500 or more, and you’ll enjoy a fixed rate of interest for a set Term.

Pound coin

A savings product or an ISA?

Interest on savings may now be tax-free (£1,000 for basic rate taxpayers, £500 for higher rate taxpayers), but there are still advantages to holding ISAs that can help you maximise your tax-free interest. Our Guide to ISAs explains all.

Our Savings Products

Flexible Saver icon

Flexible Saver

Save money - but keep the ability to treat yourself.

  • Easy access to your money: make unlimited deposits and withdrawals whenever you like
  • Start saving from as little as £1
  • Our Best Rate Guarantee

Find out more

Fixed Saver icon

Fixed Saver

Lock your money out of temptation's way.

  • A higher return for locking a lump sum of money away for a fixed Term
  • The peace of mind of a fixed interest rate
  • Our Best Rate Guarantee
  • £500 minimum deposit
  • Make unlimited deposits within the first 14 calendar days of account opening

Find out more

Regular Saver icon

Regular Saver

Build up a lump sum over a year, without the temptation to dip into it.

  • Enjoy a fixed interest rate and get into the habit of saving
  • Save between £25 - £250 a month
  • 12 month Term
  • No penalty if you don’t make a deposit every month

Find out more

Flexible Cash ISA icon

Flexible Cash ISA

Tax-free flexible saving.
 

  • Pay no tax on the interest you earn, so your money works even harder for you
  • Easy access to your money: make unlimited deposits and withdrawals whenever you like
  • Start saving from as little as £1
  • Our Best Rate Guarantee

Find out more

Fixed Cash ISA icon

Fixed Cash ISA

Enjoy a fixed rate of interest for a set Term, tax-free.

  • Pay no tax on the interest you earn, so your money works even harder for you
  • A higher return for locking a lump sum of money away for a fixed Term
  • Our Best Rate Guarantee
  • £500 minimum deposit
  •  Make unlimited deposits within the first 14 calendar days of account opening

Find out more

Regular Saver Cash ISA icon

Regular Saver Cash ISA

Build up a lump sum over a year, interest free.

  • Pay no tax on the interest you earn, so your money works even harder for you
  • Enjoy a fixed interest rate and get into the habit of saving
  • Save between £25 - £250 a month
  • 12 month Term
  • No penalty if you don’t make a deposit every month

Find out more

Compare Our Products

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Account closure, withdrawals and transfers out are permitted. However a Term breakage charge* will be applicable if we are instructed to carry out your request within the Term. See the Product Terms and Conditions for further information.

Financial Services Compensation Scheme

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

For more information, visit the FSCS website

Your money is protected by the FSCS.

Earn up to £1,000 interest tax-free*

Changes to Government legislation mean that you might not need to pay tax on the interest you earn.

For more information, read our page on the Personal Savings Allowance.

More details

What rates have Ford Money previously offered?

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.

View Rates

  • Gross Rate

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

    AER

    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

    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.

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