What interest rate does the Ford Money Fixed Saver 1 Year pay?

The Ford Money Fixed Saver 1 Year pays 4.85% AER, fixed for one year.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £485 at 4.85% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £500.

Can I withdraw my money?

No. Your money is locked in until the fixed term ends, so only put in what you won't need before then.

When is interest paid?

Interest is paid annually or monthly.

Who can open this account?

New and existing Ford Money customers can open it. You can open it online.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

How does it compare with other one-year fixed rate bonds?

At 4.85% AER it ranks 18th of 77 one-year fixed rate bonds we track. The best pays 5.15% and the average is 4.56%.

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Fixed Rate Compare 1 Year Fixed Rate Bonds

Ford Money Fixed Saver 1 Year Review

A competitive one-year fixed rate bond from Ford Money. It ranks 18th of 77 one-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 1 year

4.85%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

No limit

Access

At maturity only

Interest paid

Annually or Monthly

How It Stacks Up

Ranks 18th of 77

1-year fixed bonds we track

Above average

This account 4.85%

UK CPI (Aug 2026): 3.10%; Pays 1.75% more
Average 1-year fixed: 4.56%; Pays 0.29% more
Best 1-year fixed: 5.15%; Pays 0.30% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare fixed bonds

A Good Fit For

Pro: New and existing savers
Pro: Savers who want a monthly income

Worth Weighing Up

Con: Your money is locked in for 1 year

Good to Know

Best Rate Guarantee

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Ford Money's Fixed Rate

What you could earn with Ford Money's Fixed Saver 1 Year.

Estimated interest

£1,000 saved

£48.50

At 4.85% AER

£5,000 saved

£242

At 4.85% AER

£10,000 saved

£485

At 4.85% AER

£50,000 saved

£2,425

At 4.85% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Ford Money Fixed Saver 1 Year

Jan WatermannCo-Founder, DepositScout

Ford Money's Fixed Saver pays 4.85% for one year, which puts it near the market average for fixed-rate accounts and 0.52% behind the category leader at 5.37%. It does beat inflation by 1.75 percentage points against the August 2026 CPI figure of 3.1%, which is a reasonable real return. The catch is the usual one for a fixed bond: your money is locked away with no access until maturity, so only commit funds you genuinely will not need. You need at least £500 to open it, and Ford Money offers a Best Rate Guarantee worth checking before you commit.

Compare Fixed Rate Bonds