Ford Money savings review

Ford Money is a trading name of FCE Bank plc, the finance subsidiary of the well-known Ford Motor Company. Now Ford Money offers a range of savings products and ISAs that are designed to be easy to open and manage, and that offer competitive rates.

Ford Money's top savings rate of 4.5% is available on one of its fixed-rate bond accounts.

Easy access savings accounts

Ford Money's best easy access rate of 3.54% is significantly lower than today's market-best rate of 6%. Compare more instant and easy access accounts up to 6%

Cash ISAs

Ford Money's best cash ISA rate of 4.35% is slightly lower than today's market-best rate of 4.87%. Compare more ISAs up to 4.87%

Fixed-rate bonds

Ford Money's best fixed-rate bond rate of 4.5% is very slightly lower than today's market-best rate of 5%. Compare more fixed-rate bonds up to 5%

What is Ford Money's best savings account with the highest interest rate?

The best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.

Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts Ford Money offers, plus the highest interest rate currently available.

Savings account types include	Easy access, cash ISAs, fixed-rate bonds
Best easy access rate	3.54%
Best cash ISA rate	4.35%
Best fixed-rate bond rate	4.5%
Fixed bond terms	1 year - 3 years
Opening options	Website
FSCS protection

Does Ford Money offer online or mobile banking?

Ford Money operates solely as an online bank and has no presence on the high street. There’s also a mobile app that allows customers to access their accounts via their smartphone.

Online banking

• View transaction activity. For any type of account.
• View pending transactions. Check payments you have recently made.
• Transfer funds. Move your money to designated accounts quickly and easily.
• View monthly statements. Stay on top of your finances with monthly statements.
• Set a savings goal. Saving for something in particular? Track your progress with Ford Money’s savings goal feature.

Does Ford Money offer any student or graduate accounts?

No, the accounts detailed above – which are all savings products – are the only accounts currently available through Ford Money.

Is it easy to switch to Ford Money?

Ford Money doesn’t offer current accounts – only savings accounts. Because of this you don’t really need to “switch” – you can keep your current account at your existing bank and open a new savings account at Ford Money within 10 minutes.

Decide which of the above account types is best for you and you can open one and transfer money from your current bank account quickly and easily.

Is Ford Money safe?

All eligible deposits made with Ford Money, up to a total of £120,000 per person, are protected by the Financial Services Compensation Scheme (FSCS). This is the same compensation scheme that many, if not all, of the major banks and building societies in the UK use, so you can rest assured that should anything go wrong, your money will be safe. Ford Money also uses encryption technology to keep your details and information protected.

How do I decide which account is for me?

Firstly, you need to decide what you’re looking for in a savings account. How often are you planning to withdraw money? How much money can you afford to save each month?

You need to work out what you need before comparing the different offers available for certain types of savings accounts. Once you’ve done that, it’s useful to look at:

• Interest rates
• Minimum and maximum balance requirements
• Access to cash (if you need quick access, for instance)

Pros and cons of Ford Money

Customer service information for Ford Money

Email support
Telephone support
In-app or live chat
Contact form
Branch support

What do customers say about Ford Money?

93% of customers we surveyed in 2026 would recommend Ford Money to a friend.

It is viewed as a highly reliable, secure, and innovative place to grow savings. Customers consistently praise the competitive interest rates, efficient online banking platform, and the exceptional value for money it provides.

Beyond its strong customer service and easy-to-use app, some users also highlighted the brand's commitment to social responsibility as a key reason for their trust and satisfaction.

AI-generated summary from the text of customer reviews on Finder.

Frequently asked questions

• Is Ford Money safe?

  Eligible deposits with Ford Money are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme. Ford Money also uses industry standard site encryption to ensure your savings will never be compromised.

• How do I withdraw money from my Ford Money savings account?

  If you have a Ford Money account, to make a withdrawal you’ll need to log in to your Ford Money account online. Log in and on the Account Summary page select Account Options and choose Move Money from the menu displayed. Follow the instructions to transfer funds to your Nominated Account or to other eligible Ford Money accounts you may have.

  To see if your withdrawal has been successful, select Account Options and choose View Transactions. If the withdrawal’s been debited, it will appear at the top of the page with the date it was processed. If the withdrawal is still being processed, you’ll find it towards the bottom of the page in Pending Transactions.

  Alternatively, you can withdraw your money through the app.

• Does Ford Money offer fixed term savings accounts for limited companies?

  Currently, Ford Money only offers savings products for individuals aged 16 or over. You may apply for a fixed term deposit account for your limited company with one of the UK’s other banks.

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