10.38% AER
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That’s… shockingly good.
Holding firm for a decent switch incentive still…
Chip have reduced their variable cash ISA to 4.84% AER overnight. There was no email warning or notification but I’m pretty sure that it’s in the T&Cs that it automatically tracks the BoE rate (rather than them making a decision after each BoE change).
Tandem easy access is also dropping but I did get an email about that.
Secured yesterday.
Now to work out how to find it each month 
Interest rates falling in some of my other accounts, so strategy rethink required prior to Sep 1 funding date.
If you hold a Cahoot Sunny Day Saver (Issue 1), you may wish to check your e-documents.
Spoiler: The rate is reducing on 18 November 2024
Issue 2 is currently available at 5.00% AER, * variable rate interest for 1 year on balances between £1 and £3,000.
- No interest paid on balances over £3,000.
Cahoot seems to have a problem with our address - any attempt I make gets instant rejected; same for my wife.
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Just setting up an ISA transfer to Moneybox. It transpires they have a relatively unshabby easy access saver as well.
Atom are bettering that at the moment but I’ll keep an eye on it.
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Yeah, I have that. It is basically a 1% bonus for having an ISA.
Standard rate 3.5%
Major restriction though is the one withdrawal pcm, so my balance in it is £0
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LightYear cash ISA is also 4.5% - and its a flexible ISA
I’ve moved everything over to LightYear - Cash ISA & S&S ISA - so far has been a very good experience. Though the S&S ISA doesn’t currently have all the ETFs & Shares I would like - but it is growing.
PS - if anyone wants an intro code that gets the £20 on joining just let me know !
Moneybox Cash ISA decreasing from 4.00% base to 3.75% AER wef 03/03/2025
Any bonus you may have still to be added on to these until expiry.
Will make mine 4.66% AER
Gatehouse Bank Easy Access account
Annual EPR: 4.75% to 4.35% wef 19/03/2025
Monthly EPR reduces to 4.27%
Coventry BS Sunny Saver RS
Down from 6.25% var to 6% var wef 03/03/25
Sorry, Yazz, the only way is DOWN atm!
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I’m in the process of switching my cash ISA to Moneybox. With the bonus, I’ll be getting 4.77% in March.
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Bulk of mine is with Trading212, however, small amount with Moneybox, but I will be moving that to a NLA Virgin Flexi Cash ISA in May, if the rate on that NLA stays competitive. Currently , 4.56% AER
Lots to move out of tax-bearing interest savings accounts come April 6th. Not quite the maximum ISA allowance though. Spending a lot at the moment, living life. Money is no good just sat in cash accounts. It’s there to improve your life, so I am doing just that 
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THUD!!!
Trading212
Due to the Bank of England’s recent interest rate cut, as of 01.03.2025 Trading 212’s GBP interest rate changes as follows:
- Trading 212 Cash ISA: 4.5% variable
- Trading 212 Stocks ISA: 4.6% variable
- Trading 212 Invest: 4.6% variable
- Trading 212 CFD: 4.6% variable
Still competitive as everyone has lowered the rates.
I am not eligible for the new customer bonus at Moneybox (or Chip or Plum or pretty much anywhere that isn’t brand new) and will be sticking with T212.
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I’m straddling T212 & Moneybox with my cash ISAs. Think I’ll leave both accounts sitting for a while.
Yh, same, Graham.
I will review everything come 6 April. For now, just leave be.
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Tembo Cash ISA looking good now at 4.55%.
Doesn’t help with tax-free savings, but for taxable saving regular savers have really never looked so good. I finally put it all in a spreadsheet to help my wife understand where all our money is, I was pleasantly surprised to find our money across all these regular savers is earning a blended 6.41%. Obviously that’ll come down over time as a good amount of these are variable rate accounts but there’s still a dozen or so fixed rate accounts at 5.5% or more.
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So all that remains is for you to list those healthy providers for each of us to see (purely out of interest, naturally).