They don’t support CoP yet.
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Keep up at the back 
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Looks like Zopa have snuck their rates up
3.34% instant
3.38% 7 day notice
3.45% 31 day notice
3.55% 95 day notice
Just spotted in app.
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Yep, just shows how bad the rest are at responding. I had just dropped a few £s into Chip for easy access but may now have to think about what next. Yes Zopa is only offering 0.15% (if you lock it away for 95 days) but as a supermarket says, (can’t think which one at present, must be my age and the fact I don’t have TV) - every little helps.
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FYI competition. Tandem Instant Saver rate appears to have increased to 3.50% today on the app.
(Includes 0.20% bonus)**
** Actually, the underlying/top up split appears to have changed to 3.15%/0.35%.
See separate Tandem thread.
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FYI Chip are upping theirs to 3.55% from tomorrow…
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Official notification of the last increase just received today, 5 days after the event.
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I am
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Slowly moving my Zopa savings into Chip. 3.55% easy access is decent for easy access. Unless of course Zopa increase their rates again.
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Yes still using zopa
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Slowly drawing it out as available.
Yorkshire BS Limited Access at 3.75% 
NLA
I dislike moving my money around every few weeks for tiny, tiny gains.
Zopa have remained competitive for quite a while now, so I’m leaving my money with them.
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Same.
Also, putting aside the rate I think they just have a better product than others for easy/notice access savings. They treat old and new customers the same (they don’t limit higher rates just to new customers/accounts). I also like the flexible way you can create and close pots, and have multiple notice period options for boosting rates. So for me the quality of the product means I am happy to tolerate them not always having the very best rate. As long as they are reasonably close to the top I’m happy.
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Whilst I agree about the functionality of Zopa I guess it all depends on what access you need. Currently Chip are offering the same rate as Zopa’s 95 day’s notice account but with instant access. I like to have my money available on a reasonable flexible basis to make the most of the best savings rates.
As an aside I am pulling out all my money from Oxbury into Chip. At the time, Some 120 days ago they were looking good but now 3.49% (updated since I invested) on 95 days notice is not worth it. Just checked, it now says 0.0%, how very odd!
I understand that many do not want to spend time moving money about but in reality I spend about 15 minutes a day getting what is the best for me. It is all to do with priorities, how you spend you time and how much money you are ‘playing with’, I suppose.
yeah, fair enough, and I don’t begrudge anyone moving their savings around for the best rate.
If you have over £10k, you run into Monzo’s payment limits, which is a faff. And even with £10k, we’re talking a 0.1% difference in interest rates being worth £10 a year. And, if Zopa are only behind the curve for 1 out of 12 months of the year, moving your £10k will earn you less than £1 extra in interest over the year.
For me, Zopa have kept up reasonably well with rate changes, without me having to open new accounts and move money around.
That said, I like these threads, because I like to keep an eye on what else is out there.
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I opened my Zopa account last night t see the new rates - wasn’t informed by Zopa, they just ‘appeared’.
Primary account - 3.46%
Boost 7 - 3.5%
Boost 31 - 3.6%
Boost 96 - 3.7%
At what point will Chip react I wonder?
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When they feel that their current leading rate will be threatened, I expect.
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Agreed. Nothing to react to atm.
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Moneybox 32 day notice powered by Investec at 3.75% now. It’s a flip of a coin whether or not Chip decides to respond
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If it’s a boost, they’ll up the rate.
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