Ready to Step Up your savings?

Open a regular saver today.

Regular Saver

What is a Regular Saver? It’s a savings account where you put money away every month in return for a guaranteed interest rate. It’s flexible, but aims to encourage you to commit to your savings goals, without having to lock your money away.

At a glance:

Product Name
Min. Opening Balance
Interest Rate AER*

Maximum Monthly Payment

Product Type
Product Name
Min. Opening Balance
Interest Rate AER*

Maximum Monthly Payment

Product Type
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Why Open a Regular Saver with Ford Money? 

  • Open to all savers: Whether you’re a new or existing customer, you can open a Regular Saver account with us.
  • Locked in rate: Enjoy a fixed rate of interest for 12 months.
  • Simple and effective: Save between £25 and £200 every month for 12 months, saving up to £2,400 in total plus interest.
  • Get the best of both: A fixed rate of interest for 12 months plus the flexibility to access your savings if you need it. 
  • No pressure: Miss a month’s deposit or need to withdraw money? We get it, life happens. Your rate will remain unchanged. 
  • Develop positive savings habits through regular monthly saving.

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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Regular Saver Summary Box:

Account Name

Regular Saver

What is the interest rate?

4.75% AER*/Gross*


  • Interest is calculated daily and added to the Regular Saver Account balance at the end of the term. At the end of the term, we'll transfer the total balance (including any interest earned) to a Flexible Saver account.

Can Ford Money change the interest rate?

  • No, your rate is fixed for the length of your term.
  • 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 would the estimated balance be after 12 months based on a £200 regular deposit?


  • This projection is provided for illustrative purposes only and does not take into account your individual circumstances. This is based on a regular monthly deposit of £200 no withdrawals 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 can only open one Regular Saver Account.
  • Open and manage your account online.
  • Move money in from your Connected Bank Account or from an existing Ford Money account.
  • You must pay money into the account within the first 21 days of opening your account, otherwise it will close automatically.
  • The minimum deposit required to open this account is £25.
  • The maximum monthly deposit amount is £200 in total per calendar month, this can be made in multiple deposits providing the maximum monthly amount is not exceeded.
  • Maximum balance up to £2,000,000 (excluding interest.) This amount is combined across all the accounts you have with us.

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 withdraw more than the maximum monthly amount, you will still only be able to deposit the maximum monthly amount i.e. if the maximum monthly amount is £200, and you withdraw £400, you can only pay in £200 in the calendar month.

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 your initial deposit is received your Regular Saver will earn interest daily based on the balance at the end of the day. The interest will be paid at the end of the term.

Your right to cancel

You can withdraw the whole amount at any time once you have connected your account. If you do, we’ll pay your interest into your connected bank account and close your account at the same time.

Ford Money Regular Saver Documentation

To make sure Regular Saver 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 Regular 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.