Cash ISAs: The Best Currently Available List

flobbalobbalob

ISA transfer Zopa to Monument has now arrived. Initiated 11'th April. 1 failure by Monument and 2 long waits from Zopa. 

Beeblebr0x

How long are folks waiting for withdrawals from Tembo's Easy Access cash ISA?

gambleruk

Beeblebr0x said:

How long are folks waiting for withdrawals from Tembo's Easy Access cash ISA?

I withdrew on Wednesday around 2pm and it appeared in my bank account the early hours of Friday morning by the looks of it, so as it says on their website 1 to 2 days.

uptdale

Transfer from Leeds BS to Tembo initiated by OH on 13 March still not completed.  The initial issue seems to be delay at Tembo's end.  The transfer included 2024-25 contributions (all of them), so "current year" contributions when the application was made, but it seems that the transfer form did not reach Leeds until well after 5 April, when the "current year" was 2025-26.  Leeds queried that with Tembo, who queried it with OH, who clarified straight away, but Leeds said they heard nothing more from Tembo until OH chased Tembo on 17 May.

Leeds have now debited OH's account with them, but it's still not reached the Tembo app.

Is this a record??

Beeblebr0x

Shawbrook to Tembo was completed in a couple of days for me

Johnny-Cage

Transfer applied last Wed, T212 - Chip
Signed forms in the T212 app Fri and funds disappeared that day
Just received a email from Chip this morning transfer complete and funds now in the Chip ISA 

Is it normal not being credited any interest during the funds leaving a previous ISA and appearing in your new ISA
So 3 days worth 

Aidanmc

Johnny-Cage said:

Transfer applied last Wed, T212 - Chip
Signed forms in the T212 app Fri and funds disappeared that day
Just received a email from Chip this morning transfer complete and funds now in the Chip ISA 

Is it normal not being credited any interest during the funds leaving a previous ISA and appearing in your new ISA
So 3 days worth 

Once you confirm the transfer on the T212 app, the funds leave your account immediately or thats been my experience.

Was it Friday afternoon?

May have been better to wait until today to confirm on T212 app.

Overall though a quick transfer.

Johnny-Cage

Aidanmc said:

Johnny-Cage said:

Transfer applied last Wed, T212 - Chip
Signed forms in the T212 app Fri and funds disappeared that day
Just received a email from Chip this morning transfer complete and funds now in the Chip ISA 

Is it normal not being credited any interest during the funds leaving a previous ISA and appearing in your new ISA
So 3 days worth 

Once you confirm the transfer on the T212 app, the funds leave your account immediately or thats been my experience.

Was it Friday afternoon?

May have been better to wait until today to confirm on T212 app.

Overall though a quick transfer.

Yh it was Fri, No big loss I guess 

Stargunner

Aidanmc said:

Johnny-Cage said:

Transfer applied last Wed, T212 - Chip
Signed forms in the T212 app Fri and funds disappeared that day
Just received a email from Chip this morning transfer complete and funds now in the Chip ISA 

Is it normal not being credited any interest during the funds leaving a previous ISA and appearing in your new ISA
So 3 days worth 

Once you confirm the transfer on the T212 app, the funds leave your account immediately or thats been my experience.

Was it Friday afternoon?

May have been better to wait until today to confirm on T212 app.

Overall though a quick transfer.

It has transferred quicker than mine. I applied last Tuesday to trsnsfer from T212 to Chip and so far nothing has happened, just the message in the app saying that they take 15 working days.

pecunianonolet

jay1804 said:

PSA
CMC reducing rate email

We’re lowering your rate to 5.44% AER* (variable) in 10 business days

On 8 May 2025, the Bank of England reduced its base rate to 4.25%. As our Cash ISA savings rate is tied to the Bank of England base rate, we’re adjusting our standard savings rate.

 

Our Cash ISA standard rate will change from 4.85% AER* (variable) to 4.59% AER* (variable) on 16 June 2025.

 

This means that from 16 June you’ll be earning 5.44% AER* (variable) – 4.59% + a fixed 0.85% bonus rate for 90 days (from the date you opened a Cash ISA with us).

Additionally, The CHIP ISA rate for new customers reduced from 4.99% to 4.82%