Cash ISAs: The Best Currently Available List

Patr100

All transferred to Trading212 now but interest rate still showing as 4.50% - without the promised bonus apparent.
is this expected?

gt94sss2

Patr100 said:

All transferred to Trading212 now but interest rate still showing as 4.50% - without the promised bonus apparent.
is this expected?

Have a look at the T&C of the relevant bonus. You generally have to enter a promo code somewhere to qualify within a specified period.

Patr100

gt94sss2 said:

Patr100 said:

All transferred to Trading212 now but interest rate still showing as 4.50% - without the promised bonus apparent.
is this expected?

Have a look at the T&C of the relevant bonus. You generally have to enter a promo code somewhere to qualify within a specified period

nope, no code to be entered, t and cs not available in account, other than generic transfer form terms, they just flash on screen when applying
and said would get rate at time of initial application  which included any bonus.

gt94sss2

Patr100 said:

gt94sss2 said:

Patr100 said:

All transferred to Trading212 now but interest rate still showing as 4.50% - without the promised bonus apparent.
is this expected?

Have a look at the T&C of the relevant bonus. You generally have to enter a promo code somewhere to qualify within a specified period

nope, no code to be entered, t and cs not available in account, other than generic transfer form terms, they just flash on screen when applying
and said would get rate at time of initial application  which included any bonus.

What date did you join and open your T212 account and what interest rate are you expecting?

Patr100

gt94sss2 said:

Patr100 said:

gt94sss2 said:

Patr100 said:

All transferred to Trading212 now but interest rate still showing as 4.50% - without the promised bonus apparent.
is this expected?

Have a look at the T&C of the relevant bonus. You generally have to enter a promo code somewhere to qualify within a specified period

nope, no code to be entered, t and cs not available in account, other than generic transfer form terms, they just flash on screen when applying
and said would get rate at time of initial application  which included any bonus.

What date did you join and open your T212 account and what interest rate are you expecting?

I joined March 24th, there was a 3 month bonus at the time, taking the rate to around 5.02% or so
I did download the terms which are the same as the following link except that the  Validity Period (inclusive): was 14 March 2025 to 31 March 2025

https://www.trading212.com/legal-documentation/uk/cash-isa/Promotional-Terms_EN.pdf

edited to add: I just emailed them. They are looking into it and will get back to me.

MisterMotivated

VNX said:

Zopa to chip transfer 

after sone time money has gone from Zopa 

but not appeared in chip, hopefully just slow due to the bank holiday weekend and not lost !

This is the same as me.  I requested a transfer on 6th April, and the money finally disappeared from Zopa on 19th but are yet to appear in Chip (presumably due to the bank holiday).  Last October my transfer from Virgin to Zopa took all of 2 days to complete, but it seems Zopa are dragging their heels when it comes to sending money the other way.  That and the fact they don't allow partial transfers out (meaning easy access pot funds are essentially held hostage if you also have a fixed rate pot) have really put me off Zopa; and to think I had high hopes for them in the beginning.

Hopefully my (other) Virgin to Chip transfer goes as quickly as last year's.

slinger2

MisterMotivated said:

VNX said:

Zopa to chip transfer 

after sone time money has gone from Zopa 

but not appeared in chip, hopefully just slow due to the bank holiday weekend and not lost !

This is the same as me.  I requested a transfer on 6th April, and the money finally disappeared from Zopa on 19th but are yet to appear in Chip (presumably due to the bank holiday).  Last October my transfer from Virgin to Zopa took all of 2 days to complete, but it seems Zopa are dragging their heels when it comes to sending money the other way.  That and the fact they don't allow partial transfers out (meaning easy access pot funds are essentially held hostage if you also have a fixed rate pot) have really put me off Zopa; and to think I had high hopes for them in the beginning.

Hopefully my (other) Virgin to Chip transfer goes as quickly as last year's.

Personally I've pretty much abandoned both Zopa and Chip. They seem more interested in attracting new customers than retaining existing ones.

flaneurs_lobster

slinger2 said:

MisterMotivated said:

VNX said:

Zopa to chip transfer 

after sone time money has gone from Zopa 

but not appeared in chip, hopefully just slow due to the bank holiday weekend and not lost !

This is the same as me.  I requested a transfer on 6th April, and the money finally disappeared from Zopa on 19th but are yet to appear in Chip (presumably due to the bank holiday).  Last October my transfer from Virgin to Zopa took all of 2 days to complete, but it seems Zopa are dragging their heels when it comes to sending money the other way.  That and the fact they don't allow partial transfers out (meaning easy access pot funds are essentially held hostage if you also have a fixed rate pot) have really put me off Zopa; and to think I had high hopes for them in the beginning.

Hopefully my (other) Virgin to Chip transfer goes as quickly as last year's.

Personally I've pretty much abandoned both Zopa and Chip. They seem more interested in attracting new customers than retaining existing ones.

Seems pretty fundamental to me that you should know the interest rate being offered on a product before you apply for it - was never sure with Zopa/Chip so gave up. Monument have most of my ISA cash now (and they transferred my VM ISA cash in a day).

flobbalobbalob

MisterMotivated said:

VNX said:

Zopa to chip transfer 

after sone time money has gone from Zopa 

but not appeared in chip, hopefully just slow due to the bank holiday weekend and not lost !

This is the same as me.  I requested a transfer on 6th April, and the money finally disappeared from Zopa on 19th but are yet to appear in Chip (presumably due to the bank holiday).  Last October my transfer from Virgin to Zopa took all of 2 days to complete, but it seems Zopa are dragging their heels when it comes to sending money the other way.  That and the fact they don't allow partial transfers out (meaning easy access pot funds are essentially held hostage if you also have a fixed rate pot) have really put me off Zopa; and to think I had high hopes for them in the beginning.

Hopefully my (other) Virgin to Chip transfer goes as quickly as last year's.

I am transfering out of Zopa. I would have left some money in if I could but their loss. Now I've seen how slow they are I feel no need to use them again. Disappointed that what looks like a digital platform should be so slow compared to VM.

Patr100

Patr100 said:

gt94sss2 said:

Patr100 said:

gt94sss2 said:

Patr100 said:

All transferred to Trading212 now but interest rate still showing as 4.50% - without the promised bonus apparent.
is this expected?

Have a look at the T&C of the relevant bonus. You generally have to enter a promo code somewhere to qualify within a specified period

nope, no code to be entered, t and cs not available in account, other than generic transfer form terms, they just flash on screen when applying
and said would get rate at time of initial application  which included any bonus.

What date did you join and open your T212 account and what interest rate are you expecting?

I joined March 24th, there was a 3 month bonus at the time, taking the rate to around 5.02% or so
I did download the terms which are the same as the following link except that the  Validity Period (inclusive): was 14 March 2025 to 31 March 2025

https://www.trading212.com/legal-documentation/uk/cash-isa/Promotional-Terms_EN.pdf

edited to add: I just emailed them. They are looking into it and will get back to me.

Just an update for general info for everyone. They have been brief  but very quick to reply considering it is an Easter weekend not just in the UK.
They confirmed "Your account has been enrolled for the Cash ISA Bonus rate campaign".  and I can see it is now showing in my account details.