Cash ISAs: The Best Currently Available List

Gambler

winkowinko said:

My recently opened Chip easy access ISA has fallen from 4.42% to 3.86% today. Ouch!

Think I'll let the dust settle and look to move in the new year.

Same here. How does that work as I thought it was a tracker?

I'm even more annoyed as I tried 3 times to transfer to a Barclays fixed rate in the past few weeks but they were so pedantic. I gave up in the end.

Submitted a transfer via Tembo earlier today before I noticed the rate drop.

Gambler

Gambler said:

winkowinko said:

My recently opened Chip easy access ISA has fallen from 4.42% to 3.86% today. Ouch!

Think I'll let the dust settle and look to move in the new year.

Same here. How does that work as I thought it was a tracker?

I'm even more annoyed as I tried 3 times to transfer to a Barclays fixed rate in the past few weeks but they were so pedantic. I gave up in the end.

Submitted a transfer via Tembo earlier today before I noticed the rate drop.

Their ears must be burning as mine has just increased by 0.25% which is what I was expecting.

Patr100

Email from my trading212 (my bonus has long since expired)

Trading 212 Cash ISA: From 3.85% to 3.6% AER (variable)

As of 25.12.2025: 

Been 12 working days but it's still not transferred over to my new Principality ISA

winkowinko

Gambler said:

winkowinko said:

My recently opened Chip easy access ISA has fallen from 4.42% to 3.86% today. Ouch!

Think I'll let the dust settle and look to move in the new year.

Same here. How does that work as I thought it was a tracker?

I'm even more annoyed as I tried 3 times to transfer to a Barclays fixed rate in the past few weeks but they were so pedantic. I gave up in the end.

Submitted a transfer via Tembo earlier today before I noticed the rate drop.

Bizarrely, mine has now updated to 4.16%

Snapdragon

Patr100 said:

Email from my trading212 (my bonus has long since expired)

Trading 212 Cash ISA: From 3.85% to 3.6% AER (variable)

As of 25.12.2025: 

Been 12 working days but it's still not transferred over to my new Principality ISA

Worth checking with them or perhaps Principality whether there is an issue?
I opened an RBS fixed isa on 16th & requested T212 to RBS on evening of 16th, RBS confirmed transfer request sent to T212 morning of 17th, T212 confirmed transfer to RBS afternoon of 17th, showing in RBS this morning. Can't complain about that

Patr100

Where my trading212 is headed (3.6% now to 4.0% from Feb 1 2026)

Online Bonus 5 Access Cash ISA Issue 5.
The rate on this product will decrease from 4.20% to 4.00% (including bonus) (Tax-free^ each year/AER†) on 05/02/2026.

Patr100

Snapdragon said:

Patr100 said:

Email from my trading212 (my bonus has long since expired)

Trading 212 Cash ISA: From 3.85% to 3.6% AER (variable)

As of 25.12.2025: 

Been 12 working days but it's still not transferred over to my new Principality ISA

Worth checking with them or perhaps Principality whether there is an issue?
I opened an RBS fixed isa on 16th & requested T212 to RBS on evening of 16th, RBS confirmed transfer request sent to T212 morning of 17th, T212 confirmed transfer to RBS afternoon of 17th, showing in RBS this morning. Can't complain about that

Checked with Principality account and they state it could take up to 15 "business days" so will hope it's close.

Growingold

Patr100 said:

Email from my trading212 (my bonus has long since expired)

Trading 212 Cash ISA: From 3.85% to 3.6% AER (variable)

As of 25.12.2025: 

Been 12 working days but it's still not transferred over to my new Principality ISA

Trad 212 Email said 
As of 19.12.2025:    (***** Immediate and confirmed when I logged in)

• Trading 212 Cash ISA: From 3.85% to 3.6% AER (variable)

Your promotional rate remains unaffected and will continue to be applied on top of the base interest rate.

As of 25.12.2025:

• Trading 212 Stocks and Shares ISA: From 4.05% to 3.8% AER (variable)
• Trading 212 Invest: From 4.05% to 3.8% AER (variable)
• Trading 212 CFD: From 4.05% to 3.8% AER (variable)

2010

2010 said:

Charter have pulled their 1yr fixed ISA @ 4.30%

Charter new rate for 1yr fixed ISA 4.12% annually.

akh43

winkowinko said:

Gambler said:

winkowinko said:

My recently opened Chip easy access ISA has fallen from 4.42% to 3.86% today. Ouch!

Think I'll let the dust settle and look to move in the new year.

Same here. How does that work as I thought it was a tracker?

I'm even more annoyed as I tried 3 times to transfer to a Barclays fixed rate in the past few weeks but they were so pedantic. I gave up in the end.

Submitted a transfer via Tembo earlier today before I noticed the rate drop.

Bizarrely, mine has now updated to 4.16%

Mine has dropped to the same so confused as it was 4.42% before interest paid monthly.