Cash ISAs: The Best Currently Available List

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  

friolento

Johnny-Cage said:

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  

I closed my Chip entire account, deleted the app as soon as I could no longer log in, re-installed the app, signed up again with same email, same phone no, same name, same address, same NINO. All on the same day.

VNX

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!)

Definitely avoid plum.

ive been with chip for about six weeks, very impressed, instant payments, nice app, and unless I’ve missed anything no nasties.

I’ve got a three month bonus so when that ends I’ll see how the rate it reverts to stacks up.

my Zopa to chip ISA xfer was a bit of a shambles, not too bad took the full 14 days I’ll never know which of these two messed up so can’t apportion blame but I see no reason not to go with chip