Cash ISAs: The Best Currently Available List

clairec666

I'm shopping around for flexible ISAs as my bonus with Trading 212 has finished. What are people's opinions on Chip? How quick/easy is it to make withdrawals to your current account? And are there any finickity T&Cs that I should care about? (Avoiding Plum for this reason!)

Kim_13

s71hj said:

masonic said:

s71hj said:

Malchester said:

Just looked at VIDA savings. Their site says

Deposits must be added by electronic transfer from your Nominated Bank Account, which must be in your name.  You may also transfer existing ISAs from other providers into this account, up to the Maximum Account Balance.​

No suggestion it is compulsory. Do they mean if you are transferring an ISA to then you must transfer the full amount and not a partial transfer

It's this bit in the application:

Opening Your Account

Have you already opened and funded a Cash ISA with another provider in this tax year?

Yes

No

Your current year's ISA subscription must be moved to us in full. If you wish to transfer any previous years' ISA subscriptions, you can do this in part or transfer the full amount(s).

So it's a legacy question from the days of the "one current year ISA of each type" restriction.

Can be safely ignored, or answered with the closest option if compulsory (i.e. "None of your business" / "Not applicable" ~ No) until they get around to updating their systems. Or subscribe to this ISA first before taking out another.

Aha, so it's adhering to what the out of date product templates think is the HMRC legal position not their own policy of choice.

They only have a policy choice over how many ISAs a customer may open with them in a tax year with new money, e.g. an easy access and a fixed, or fixes of different lengths. If they say one, the customer must choose one and go elsewhere for the other type and/or term.

It’s less clear whether providers who have this wording genuinely think that this is still a HMRC imposed restriction, or wilfully add a restriction that has no legal basis in the hope that it will get more money through the door.

winkowinko

clairec666 said:

I'm shopping around for flexible ISAs as my bonus with Trading 212 has finished. What are people's opinions on Chip? How quick/easy is it to make withdrawals to your current account? And are there any finickity T&Cs that I should care about? (Avoiding Plum for this reason!)

Withdrawals are instant.

I've had my ISA with them for 2 months, and can't fault them. Although it was set up with new money, so I haven't experienced transferring in or out, yet.

Gambler

clairec666 said:

I'm shopping around for flexible ISAs as my bonus with Trading 212 has finished. What are people's opinions on Chip? How quick/easy is it to make withdrawals to your current account? And are there any finickity T&Cs that I should care about? (Avoiding Plum for this reason!)

No worries with Chip, much better than T212 in my experience.

Only downside for me is they don't allow partial transfers.

Johnny-Cage

winkowinko said:

clairec666 said:

I'm shopping around for flexible ISAs as my bonus with Trading 212 has finished. What are people's opinions on Chip? How quick/easy is it to make withdrawals to your current account? And are there any finickity T&Cs that I should care about? (Avoiding Plum for this reason!)

Withdrawals are instant.

I've had my ISA with them for 2 months, and can't fault them. Although it was set up with new money, so I haven't experienced transferring in or out, yet.

I just completed a transfer T212 to Chip, Applied Wed by Fri I signed the forms in the T212 app and money instantly left my T212 app. Tues all money arrived in the Chip account so in total 6 days 

winkowinko

Johnny-Cage said:

winkowinko said:

clairec666 said:

I'm shopping around for flexible ISAs as my bonus with Trading 212 has finished. What are people's opinions on Chip? How quick/easy is it to make withdrawals to your current account? And are there any finickity T&Cs that I should care about? (Avoiding Plum for this reason!)

Withdrawals are instant.

I've had my ISA with them for 2 months, and can't fault them. Although it was set up with new money, so I haven't experienced transferring in or out, yet.

I just completed a transfer T212 to Chip, Applied Wed by Fri I signed the forms in the T212 app and money instantly left my T212 app. Tues all money arrived in the Chip account so in total 6 days 

I got on board with them a couple of months back when they were offering 5.96% for 3 months. I'm somewhat reluctant to leave when it drops to 4% shortly, even if I can find a better deal elsewhere.

Gambler

winkowinko said:

Johnny-Cage said:

winkowinko said:

clairec666 said:

I'm shopping around for flexible ISAs as my bonus with Trading 212 has finished. What are people's opinions on Chip? How quick/easy is it to make withdrawals to your current account? And are there any finickity T&Cs that I should care about? (Avoiding Plum for this reason!)

Withdrawals are instant.

I've had my ISA with them for 2 months, and can't fault them. Although it was set up with new money, so I haven't experienced transferring in or out, yet.

I just completed a transfer T212 to Chip, Applied Wed by Fri I signed the forms in the T212 app and money instantly left my T212 app. Tues all money arrived in the Chip account so in total 6 days 

I got on board with them a couple of months back when they were offering 5.96% for 3 months. I'm somewhat reluctant to leave when it drops to 4% shortly, even if I can find a better deal elsewhere.

Same here. At least we know the interest rate will follow base rate

Johnny-Cage

winkowinko said:

Johnny-Cage said:

winkowinko said:

clairec666 said:

I'm shopping around for flexible ISAs as my bonus with Trading 212 has finished. What are people's opinions on Chip? How quick/easy is it to make withdrawals to your current account? And are there any finickity T&Cs that I should care about? (Avoiding Plum for this reason!)

Withdrawals are instant.

I've had my ISA with them for 2 months, and can't fault them. Although it was set up with new money, so I haven't experienced transferring in or out, yet.

I just completed a transfer T212 to Chip, Applied Wed by Fri I signed the forms in the T212 app and money instantly left my T212 app. Tues all money arrived in the Chip account so in total 6 days 

I got on board with them a couple of months back when they were offering 5.96% for 3 months. I'm somewhat reluctant to leave when it drops to 4% shortly, even if I can find a better deal elsewhere.

If it helps 

About 2 weeks ago I asked Chip to delete my account which they did, left it for a week.
signed up for a new Chip account under a different email address.
account opened, new ISA opened and the 12 bonus was accepted 

I transferred from Chip to T212 last year when T212 was 5.2%

guli

Johnny-Cage said:

winkowinko said:

Johnny-Cage said:

winkowinko said:

clairec666 said:

I'm shopping around for flexible ISAs as my bonus with Trading 212 has finished. What are people's opinions on Chip? How quick/easy is it to make withdrawals to your current account? And are there any finickity T&Cs that I should care about? (Avoiding Plum for this reason!)

Withdrawals are instant.

I've had my ISA with them for 2 months, and can't fault them. Although it was set up with new money, so I haven't experienced transferring in or out, yet.

I just completed a transfer T212 to Chip, Applied Wed by Fri I signed the forms in the T212 app and money instantly left my T212 app. Tues all money arrived in the Chip account so in total 6 days 

I got on board with them a couple of months back when they were offering 5.96% for 3 months. I'm somewhat reluctant to leave when it drops to 4% shortly, even if I can find a better deal elsewhere.

If it helps 

About 2 weeks ago I asked Chip to delete my account which they did, left it for a week.
signed up for a new Chip account under a different email address.
account opened, new ISA opened and the 12 bonus was accepted 

I transferred from Chip to T212 last year when T212 was 5.2%

did you use the same phone number?

Johnny-Cage

guli said:

Johnny-Cage said:

winkowinko said:

Johnny-Cage said:

winkowinko said:

clairec666 said:

I'm shopping around for flexible ISAs as my bonus with Trading 212 has finished. What are people's opinions on Chip? How quick/easy is it to make withdrawals to your current account? And are there any finickity T&Cs that I should care about? (Avoiding Plum for this reason!)

Withdrawals are instant.

I've had my ISA with them for 2 months, and can't fault them. Although it was set up with new money, so I haven't experienced transferring in or out, yet.

I just completed a transfer T212 to Chip, Applied Wed by Fri I signed the forms in the T212 app and money instantly left my T212 app. Tues all money arrived in the Chip account so in total 6 days 

I got on board with them a couple of months back when they were offering 5.96% for 3 months. I'm somewhat reluctant to leave when it drops to 4% shortly, even if I can find a better deal elsewhere.

If it helps 

About 2 weeks ago I asked Chip to delete my account which they did, left it for a week.
signed up for a new Chip account under a different email address.
account opened, new ISA opened and the 12 bonus was accepted 

I transferred from Chip to T212 last year when T212 was 5.2%

did you use the same phone number?

Yh, same number, NW number etc only different was the email address