Savings rates
Rates reviewed daily · last updated 15 October 2026
Savings rates
All rates AER · Updated October 2026
Rates shown are AER and correct as of October 2026.
Fixed Rate
| Account | Interest paid | Min Balance | |||
|---|---|---|---|---|---|
| Fixed Saver 3 Years | 4.93% | 3 Years | Annually or Monthly | £500 | |
| Fixed Saver 2 Years | 4.89% | 2 Years | Annually or Monthly | £500 | |
| Fixed Saver 1 Year | 4.85% | 1 Year | Annually or Monthly | £500 |
Easy Access
| Account | AER | Access | Interest | Min Balance | |
|---|---|---|---|---|---|
| Flexible Saver | 4.21% | Unlimited | Variable | £1 |
Cash ISA
| Account | Transfers in | Min Balance | |||
|---|---|---|---|---|---|
| Fixed Cash ISA 3 Year | 4.15% | 3 Years | Accepted | £500 | |
| Fixed Cash ISA 2 Year | 4.10% | 2 Years | Accepted | £500 | |
| Fixed Cash ISA 1 Year | 4.00% | 1 Year | Accepted | £500 |
Is Ford Money FSCS protected?
Yes — FSCS protected up to £120,000
Yes. Ford Money savings are FSCS protected up to £120,000 per person, per banking licence, under FCE Bank plc.
Banking licence: FCE Bank plc
Last checked against the FCA register on 16 October 2026.
See every brand that shares a banking licenceSwitch offers
Who they are
Ford Money launched in April 2017, though the financial heritage behind it runs much deeper - Ford Credit has been managing money and providing lending in the UK since 1963, with FCE Bank obtaining its UK banking licence in 1997. The bank is ultimately owned by Ford Motor Company in the USA. It sits in an unusual position among UK savings providers: a globally recognised name in manufacturing that has quietly built a solid reputation in retail savings.
Ford Money operates solely as an online bank and has no presence on the high street. There are no current accounts, no branches - just a focused range of savings products you can open and manage digitally.
Savings accounts
Ford Money's line-up covers easy access, fixed-rate bonds and fixed cash ISAs. The Flexible Saver is their variable easy-access account, open from just £1, with unlimited withdrawals. Fixed Savers run across one, two and three-year terms, each requiring a minimum of £500, with no access until maturity. Cash ISAs follow the same structure - fixed terms of one, two and three years, also from £500, with ISA transfers in accepted on the one-year option.
One thing that stands out across the range is Ford Money's Best Rate Guarantee. Ford Money has a commitment to savers called "Our Best Rate Guarantee", which means that savers with a variable rate account will always receive the same rate as new customers on like-for-like accounts. That means you are not penalised for being a loyal customer on the Flexible Saver - a genuine differentiator worth noting.
Rates change over time, so check the live figures shown on this page for the latest numbers.
Protection
Ford Money is a trading name of FCE Bank plc. Your eligible deposits are protected up to £120,000 per person by the FSCS. It is worth noting that FCE Bank plc trades under several names - including Ford Credit and Ford Credit Europe - so if you hold savings under more than one of those brands, they all sit within the same £120,000 FSCS protection pot. Joint accounts benefit from £240,000 of cover in total.
Is it right for you?
Ford Money suits savers who are comfortable banking entirely online and want a no-fuss experience without the noise of a full current-account bank. The Best Rate Guarantee takes some of the sting out of holding a variable account, and the fixed-rate range is worth a serious look if you can set money aside for a year or longer. There are no switching bonuses or introductory offers here - the appeal is straightforward rates and a provider that does not quietly move the goalposts on existing customers.
Check the live rates on this page to see how Ford Money compares to the rest of the market right now.
This overview was generated by DepositScout's AI, Penny on 15 October 2026. It may contain inaccuracies — always confirm rates and terms with Ford Money directly. Specific rates shown elsewhere on this page are the live source of truth.
