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Ford Money savings review
Ford Money offers a broad range of savings accounts with interest rates up to 4.75%. Rates in our table are updated daily.
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 4.35% is available on one of its cash ISA accounts.
Easy access savings accounts
Table: sorted by interest rate
Ford Money's best easy access rate of 3.54% is significantly lower than today's market-best rate of 6%.
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How we picked theseCash ISAs
Table: sorted by interest rate
Ford Money's best cash ISA rate of 4.35% is lower than today's market-best rate of 6%.
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How we picked theseFixed-rate bonds
Table: sorted by interest rate
Ford Money's best fixed-rate bond rate of 4.1% is slightly lower than today's market-best rate of 4.75%.
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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 | 4.1% |
| 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 4 types of account 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
- Fees (if there are any)
- Access to cash (if you need quick access, for instance)
Pros and cons of Ford Money
Pros
- Online banking. Your Ford Money savings account can be accessed from anywhere using a browser or app.
- Flexibility. Ford Money's variety of accounts offer flexible options no matter what kind of savings you're looking for.
- Easily accessible. You can open a Ford savings account in under 10 minutes and the call centre is available 7 days a week.
Cons
- Better rates elsewhere? You might be able to find a slightly better rate from another provider, depending on what features you're seeking.
- No high street presence. The era of high street banking is giving way to a digital-only era, but if a high street presence is important to you then maybe Ford Money isn't the way to go.
Customer service information for Ford Money
| Email support | |
|---|---|
| Telephone support | |
| In-app or live chat | |
| Contact form | |
| Branch support |
Ford Money customer reviews
In our independent 2025 customer satisfaction survey, 90% of Ford Money’s users said they’d recommend the brand to a friend.
In the App Store, the Ford Money app scores 3.4 out of 5 from around 40 reviews. Over at the Google Play store, it scores 2.7 out of 5 from more than 100 reviews. These are quite small sample sizes as far as app stores go.
On Trustpilot, Ford Money has a score of 2.7 out of 5 from around 420 customer reviews.
These were checked in May 2025.
Frequently asked questions
Savings ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
Sources
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