For me, I use Zopa. Will do until they stop paying out.
Annoying I only get the 2% to a £30 a year cap, but that is what it is. Not like I don’t meet it.
They even pay out on credit card direct debits, so I’ve been getting that money on my spend already (at 2%, because I don’t have much spend now in UK, just Xpatfone and some small things).
My only problem with the Chase offering is being too restrictive on categories. I could game the £1000 savings just like I game other offerings that require a monthly pay in for several banks but always tick the boxes with a reserved amount less than £500 that foes the journeys. 
If Chase opened categories up a bit and made overseas usage pay out too I’d be more than happy to put the £1000 in too.
While the card isn’t much use of for me here, I go to Korea, HK, Japan etc sometimes and it’d be useful in any of those countries.
That and the money I send back only costs me roughly 1% after Wise fees, so not like I lose out if I get 2% cashback.
I’d rather they bring back 1% cashback everywhere than 2% at specific places. I dunno if I can be bothered to keep £1k in their 4.5% saver when I’ve got it all in 5% currently 
Where are you keeping everything at 5%? RBS/Natwest regular saver (I’m thinking of moving money into these soon due to their stickiness and still being able to fill both each month after the £200 into Revolut) or a Nationwide members bond?
FlexOne Saver. Got it till my 23rd Birthday 
FlexOne… is that the under 18 Nationwide account? It’s been so long since I’ve banked with Nationwide I can’t really remember.
Yeah it’s the kiddie account but as long as it’s opened before one’s 18th Birthday you keep it until 23. Pretty good deal imo.
It is a good deal, one I probably had before myself lol. Just been too long (26 later this year).
Your Math is valid but what you don’t seem to understand (from many of your previous posts) is that certain setups work for some people because it’s not always about the Actual Interest Gained but a fine balance between Usage Convenience and a Feeling of Winning. Maybe @Carlo1460 is happy to only use Chase for his groceries, restaurants, cafes, takeaways, and transport.
It might not make any monetary logic to you but it makes perfect sense to their particular usage. 
All I literally buy is groceries and transport lately 
but alas don’t have £1k aside otherwise I would be utilising it for the cashback.
I was just telling the other person in the thread that it should be factored in to their calculations.
However much money you have, I’m willing to take it and then give you 2% back
They do, I had a credit card payment from one count.
They haven’t counted mine at all.
okay I may be wrong again, I think what counted for mine then was a transaction at Tesco on May 31st which cleared on June 1st so must have counted to June’s transaction tally. That explains why it only counted one transaction and not two, as I had two direct debits go out. I just assumed it only counted the Lloyds one and not the lottery one due to the business type.
So yes, you’re all right and it seems they don’t count.
Someone teach this man maths.
This is my take, I like having my (not very significant in the grand scheme of things) savings with Chase for the direct debit payments and having multiple accounts. Moving it elsewhere would likely mean combining multiple balances into one or having balances with different providers, and it’s not worth it.
I’m steering clear of credit for now, need to learn to live within my means and the best way to do that is don’t have a credit card for now. I have an overdraft which I’m fine with and never use now so that’s a good start
9 posts were merged into an existing topic: Removed Posts - June 2026
Would you even make much money on that? Assuming a 3% fee you’d be rolling the dice on interest rates staying stable or locking yourself into a fix which could be a pickle if the bank calls the balance back.
Easiest by far to avoid debt troubles. Too many use it as a way to get through the day, without thinking about the interest they now have to pay.