What interest rate does the Ford Money Fixed Saver 2 Years pay?

The Ford Money Fixed Saver 2 Years pays 4.89% AER, fixed for 2 years.

How much interest could I earn?

Saving £10,000 for 2 years would earn about £1,002 at 4.89% 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 two-year fixed rate bonds?

At 4.89% AER it ranks 17th of 73 two-year fixed rate bonds we track. The best pays 5.20% and the average is 4.63%.

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Fixed Rate Compare 2 Year Fixed Rate Bonds

Ford Money Fixed Saver 2 Years Review

A competitive two-year fixed rate bond from Ford Money. It ranks 17th of 73 two-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 2 years

4.89%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 17th of 73

2-year fixed bonds we track

Above average

This account 4.89%

UK CPI (Aug 2026): 3.10%; Pays 1.79% more
Average 2-year fixed: 4.63%; Pays 0.26% more
Best 2-year fixed: 5.20%; Pays 0.31% 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 2 years

Good to Know

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Estimated returns with Ford Money's Fixed Rate

What you could earn with Ford Money's Fixed Saver 2 Years.

Estimated interest

£1,000 saved

£100

At 4.89% AER

£5,000 saved

£501

At 4.89% AER

£10,000 saved

£1,002

At 4.89% AER

£50,000 saved

£5,010

At 4.89% AER

Estimated over the 24-month term, 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 2 Years

Jonny PeaseCo-Founder, DepositScout

Ford Money's Fixed Saver 2 Years pays 4.89%, which sits near the market average for fixed-rate accounts and is 0.48% behind the best fixed rate available at 5.37%, so it is not a standout pick. That said, 4.89% does beat August 2026 CPI of 3.1% by 1.79%, meaning your money grows in real terms over the two-year lock-in. The genuine catch here is that you have no access until maturity, so this suits savers who are confident they will not need the funds. If you want a marginally better rate, Kent Reliance's 2 Year Fixed Rate Bond offers 4.91%.

Compare Fixed Rate Bonds