I am gunna attach two pictures to put things in perspective here folks…
I fully appreciate chip has a difficult challenge of marketing this correctly… but this is a little bit of a moot point.
Exhibit A - RBS charges… and I’m getting less than 0.55% with them on any of those. And you must have one of those before u can attach an ISA for greater interest rate… and note, the better the rate, the less it becomes “instant access”
Exhibit B: what I’m getting for Chip right now… in the real world… not theoretical. And is instant access, (except bank holiday weekends)
RBS world famous, leader of industry… offers £2 - Twice the price a month. For a worse product.
And for good measure … here’s keiko