Cash ISAs: The Best Currently Available List

pecunianonolet

flaneurs_lobster said:

Gambler said:

pecunianonolet said:

Chip ISA currently at 4.31%, you have to be quick as they change their rates nearly every few days and it was 4.32% when I opened it, went down to 4.07%, up to 4.20%, back own and now at 4.31% again. Who know for how long...

As an FYI, I was a returning Chip customer, transferred out in May and closed it all down, just used my gmail email addres and added the prefix +chip e.g. myemail+chip@gmail.com (Google will deliver to the same inbox as myemail@gmail.com but to Chip is looks like a new email...

Worked for me thank you.

Increased to 4.39% today from 4.07%.

Yes but for how long? These yoyo-ing rates that the Fintechs like to throw out are starting to annoy me.

I'll shunt a few thou around for an extra % with the best of them, but the additional admin (and risk) of moving large ISA balances for a 0.n% betterment has lost its appeal, particularly when that rate might only last a week (or less).

And, of course, that rate is only for "new" savers or it doesn't apply to transfers in or some other "special conditions".

The very dynamic adjustments almost daily is really annoying. Could they not just pay decent rates instead of developing some nonsense meaningless scores "Your daily insight", which is not needed and just blaotware. Focus on core and leave all the rubbish out and you have a sleek, low memory app that focusses on key functions. 

etienneg

Gambler said:

etienneg said:

• Principality BS Online Bonus 5 Access Cash ISA (issue 5) - 4.40% **New**
  ***This rate will be decreasing to 4.20% w.e.f. 18/09/2025.
  
  
• Moneybox Cash ISA - 4.20% **New Rate**
  ***This rate will be decreasing to 3.95% w.e.f. 22/08/2025.
  
  
  These w.e.f. dates are now well past. Somewhat detracts from the use of "New"!

Just use Moneyfacts. You can't expect somebody to keep on top of the opening post.

What's the point of the opening post that purports to be updated frequently, then?

winkowinko

pecunianonolet said:

Chip ISA currently at 4.31%, you have to be quick as they change their rates nearly every few days and it was 4.32% when I opened it, went down to 4.07%, up to 4.20%, back own and now at 4.31% again. Who know for how long...

As an FYI, I was a returning Chip customer, transferred out in May and closed it all down, just used my gmail email addres and added the prefix +chip e.g. myemail+chip@gmail.com (Google will deliver to the same inbox as myemail@gmail.com but to Chip is looks like a new email...

I don't use Gmail, but presumably any new email address would suffice to appear as a new customer?

pecunianonolet

winkowinko said:

pecunianonolet said:

Chip ISA currently at 4.31%, you have to be quick as they change their rates nearly every few days and it was 4.32% when I opened it, went down to 4.07%, up to 4.20%, back own and now at 4.31% again. Who know for how long...

As an FYI, I was a returning Chip customer, transferred out in May and closed it all down, just used my gmail email addres and added the prefix +chip e.g. myemail+chip@gmail.com (Google will deliver to the same inbox as myemail@gmail.com but to Chip is looks like a new email...

I don't use Gmail, but presumably any new email address would suffice to appear as a new customer?

Any new email will work. I just use the Gmail option so I can track better and it's easy as they all arrive into the same inbox in outloook. 

winkowinko

pecunianonolet said:

winkowinko said:

pecunianonolet said:

Chip ISA currently at 4.31%, you have to be quick as they change their rates nearly every few days and it was 4.32% when I opened it, went down to 4.07%, up to 4.20%, back own and now at 4.31% again. Who know for how long...

As an FYI, I was a returning Chip customer, transferred out in May and closed it all down, just used my gmail email addres and added the prefix +chip e.g. myemail+chip@gmail.com (Google will deliver to the same inbox as myemail@gmail.com but to Chip is looks like a new email...

I don't use Gmail, but presumably any new email address would suffice to appear as a new customer?

Any new email will work. I just use the Gmail option so I can track better and it's easy as they all arrive into the same inbox in outloook. 

My Chip account is still active, although it has a zero balance, as I made a full transfer out about 3 months ago.

Would you advise I close it before attempting to re-register with a new email?

Gambler

winkowinko said:

pecunianonolet said:

winkowinko said:

pecunianonolet said:

Chip ISA currently at 4.31%, you have to be quick as they change their rates nearly every few days and it was 4.32% when I opened it, went down to 4.07%, up to 4.20%, back own and now at 4.31% again. Who know for how long...

As an FYI, I was a returning Chip customer, transferred out in May and closed it all down, just used my gmail email addres and added the prefix +chip e.g. myemail+chip@gmail.com (Google will deliver to the same inbox as myemail@gmail.com but to Chip is looks like a new email...

I don't use Gmail, but presumably any new email address would suffice to appear as a new customer?

Any new email will work. I just use the Gmail option so I can track better and it's easy as they all arrive into the same inbox in outloook. 

My Chip account is still active, although it has a zero balance, as I made a full transfer out about 3 months ago.

Would you advise I close it before attempting to re-register with a new email?

winkowinko said:

pecunianonolet said:

winkowinko said:

pecunianonolet said:

Chip ISA currently at 4.31%, you have to be quick as they change their rates nearly every few days and it was 4.32% when I opened it, went down to 4.07%, up to 4.20%, back own and now at 4.31% again. Who know for how long...

As an FYI, I was a returning Chip customer, transferred out in May and closed it all down, just used my gmail email addres and added the prefix +chip e.g. myemail+chip@gmail.com (Google will deliver to the same inbox as myemail@gmail.com but to Chip is looks like a new email...

I don't use Gmail, but presumably any new email address would suffice to appear as a new customer?

Any new email will work. I just use the Gmail option so I can track better and it's easy as they all arrive into the same inbox in outloook. 

My Chip account is still active, although it has a zero balance, as I made a full transfer out about 3 months ago.

Would you advise I close it before attempting to re-register with a new email?

Yes definitely.

winkowinko

Do I need to contact them to delete my profile etc, or will simply deleting my account in the app be enough?

Gambler

winkowinko said:

Do I need to contact them to delete my profile etc, or will simply deleting my account in the app be enough?

Just delete the account and wait a few days.

pecunianonolet

winkowinko said:

Do I need to contact them to delete my profile etc, or will simply deleting my account in the app be enough?

You need to tell them to delete, this is the best way to make sure the data is "deleted" from their systems. 

PixelPound

pecunianonolet said:

winkowinko said:

Do I need to contact them to delete my profile etc, or will simply deleting my account in the app be enough?

You need to tell them to delete, this is the best way to make sure the data is "deleted" from their systems. 

Surely they can't as past ISA amounts will need to be reported to HMRC.