And the fact you lose a day of interest for deposits and withdrawals. #notcool
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Chip & Zopa are still the better options - unless someone can give me other choices. Zopa if can put it away for x number of days. Monzo & Chase (my main bank) are still behind in the race, a great pity.
Which is an important point, on Ā£10,000 youād be losing almost 90p of interest from the move! But gaining only Ā£2 total over a year from a shift from 3.2 to 3.22%. If you accidentally take two days it will almost wipe out your returns!!!
Scandalous really.
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Less than 0.1% difference in interest rate = Iām not bothering to move anything.
0.1% difference = maybe Iāll move the money for the extra Ā£0.83p/m per Ā£10k.
0.2% difference = Iām definitely moving the money for the extra Ā£1.67p/m per Ā£10k.
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Yup. One of the reasons I donāt have savings with Monzo anymore. Too much friction and not in a good way
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Currently, HSBC. Iāve gradually moved everything across there, with Natwest as a backup.
The fintech dream for me is over, for now 
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Chip will always or should always be ahead because Chip and ClearBank does not have to worry about lending interest etc
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These days yeah. I do have other accounts as backups but for me it does everything I need.
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Just had another look at rates:
3.25% easy-access from Paragon.
But more interestingly:
3.05% flexible cash ISA from Investec.
Havenāt seen Investec offering before, good rate for a cash ISA too.
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My cash ISA is 4.25%
Must have been lucky. Is a āloyaltyā one tbf
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3.4 now on oaknorth, matching monzo!
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I thought Chip were supposed to make āthe moveā asap. It seems that the 3.71% is still their preferred rate. I would have thought it should be up to at least 3.91% by now. That said, it is still the best for instant access, but I will consider moving my money if something better hoves into view over the horizon.
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Nice theyāve stopped hiding third party pots behind an āotherā option and itās clearly labelled:
Now, as a Premium customer I want same day access to my savings, even when held in a third party. Make it so, 'zo!
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Donāt see that happening any time soon tbh
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Monzo donāt have the money to give it to you instantly.
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They also donāt have the money to pay your early either so there are ways around it if they can cope with the risk 
(Edit) and now theyāve got their own competing product is not only about risk
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Itās a business decision. They could choose to front it up and take a small bit of risk themselves. To mitigate that even further is why I implied it could be a Premium feature.
Sadly, itās vanishingly unlikely, but that doesnāt mean that itās impossible to do.
Anyway, nice to see higher interest rates!
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Outside of Monzo, Gatehouse Bank expected profit rate has just hit 3.90% easy access.
Will Chip respond? 
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That form of words makes it sound like a more complicated instrument than a simple instant access savings account.
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