Cash ISAs: The Best Currently Available List

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. 

masonic

etienneg said:

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?

The thread was started in 2007 and was last updated a month ago. There can be all sorts of reasons a commitment started 18 years ago may go through periods where it is not front and centre of an individual's life. I'm sure Kazza would be the first to offer you a full and immediate refund if you feel you haven't received the level of service you were entitled to

etienneg

masonic said:

etienneg said:

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?

The thread was started in 2007 and was last updated a month ago. There can be all sorts of reasons a commitment started 18 years ago may go through periods where it is not front and centre of an individual's life. I'm sure Kazza would be the first to offer you a full and immediate refund if you feel you haven't received the level of service you were entitled to

OK. It seems my recent comments here have been taken as a criticism of Kazza, which was not what I intended.

My original post pointed out information that (ideally) would have been updated two months ago ("w.e.f. 22/08/2025". It was intended to highlight the existence of out-of-date information that could easily have been overlooked. The comment about "New" was intended as a suggestion that alternatives would be better - such as "New as at xx/xx/xxxx".

Gambler's reply simply suggested using an alternative web site, which I think implies NOT using this thread. My reply was a genuine question, and again NOT a criticism of Kazza.

So, I offer my apologies to anyone who thought I was being critical. In particular, I am sorry if I have offended Kazza, and I wish him/her all the best if there is (as masonic suggests) any particular problem in his/her life at the present time. I have derived much benefit from this thread over quite some time, and I am nothing but grateful for the time and effort put into it.