Bit of background: I currently have my saves split between three goals in my instant access account and I use the HTB as an emergency fund.
I’ve just unlocked Chip+1 and I’m very pleased with the interest rate on this, but I wonder if there are plans to introduce goals to this account? To me the goals function is one of the things that makes chip so useful. I’m very good at putting money away for a specific thing then halfway though the year forgetting what that money was for originally and putting it towards something else. So to have the ability to split money off between different short term and long term goals and give it a name is just what I need.
But from what I can tell the goals that you set are only within the original Chip instant access account. With this being a 0% interest account I don’t really want to use it for my long term saving goals, especially when I have access to 1.25% interest. In an ideal world I would like to be able to choose which account my goals are linked to or set separate goals for each account. So my question is, will these new accounts have the goal setting functionality in the near future?