Savings Champion

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Trading 212 Cash ISA	Moneybox Cash ISA	Plum Cash ISA*	Online Bonus 5 Access Cash ISA Issue 2	Double Access Cash ISA (1st Issue)

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AER What's This? This stands for Annual Equivalent Rate and is supposed to help you to compare different savings accounts.
5.17%	5.17%	4.92%	4.85%	4.75%
Gross Interest Rate What's This? This is the initial rate paid, before any tax is deducted. The gross rate will include any bonus that applies at that moment, so it is important to also check the AER.
5.17%	5.17%	4.92%	4.85%	4.75%
Minimum opening balance
£1	£500	£100	£1	£1
How to manage the account
Mobile Banking, Online	Mobile Banking	Mobile Banking	Online	Branch, Post
How to apply
Online	Mobile	Mobile	Online	Branch, Post
Account summary
Easy Access. Transfers in of existing funds are allowed. This ISA is flexible. Interest is paid daily. Trading 212 uses a broad range of banks for its Cash ISA, and the proportion of money held with each bank can vary over time. The three banks in question are Barclays, NatWest and J.P Morgan Chase. Please contact Trading 212 directly for any specific questions on who your money is held with.	Easy Access. Up to three withdrawals can be made within a 12-month period from the date of opening the Cash ISA without affecting the interest rate. If four or more withdrawals are made, a lower rate of 0.75% will be applied for the remainder of the 12-month period. Rate includes a 0.47% bonus rate for the first 12-months. Cash ISA transfers in are accepted. Interest is accrued daily but paid on account open anniversary. This is not a flexible ISA. Because Moneybox is not a bank, funds they hold on behalf of customers are deposited across a range of third-party banks. These banks are covered by the Financial Services Compensation Scheme (FSCS). Moneybox Cash ISA funds are currently deposited with Santander UK Plc and HSBC Bank PLC, with 50% of your deposit held with each. Be aware that any funds that you already hold with Santander UK Plc or HSBC Bank PLC will also count towards your FSCS limit.	The rate of 4.92% AER includes a bonus of 0.88% for the first 12 months, providing the following conditions are met: The account balance is kept at £100 or more and you have no more than 3 withdrawals in a single year. Should you make a 4th withdrawal or your balance drop below £100, the interest rate will drop to 3.00% AER. Transfers of existing ISA funds are allowed, but these receive the basic rate of 4.04% AER. The basic rate of interest of 4.04% is paid monthly, and the Plum bonus rate of 0.88% will be added at the end of the first year. This is not a flexible ISA. This savings account is powered by the provider's partner, CitiBank . CitiBank is covered by the Financial Services Compensation Scheme, so funds deposited are protected up to £85,000 subject to eligibility. Be aware that any funds that you already hold with CitiBank will also count towards this limit.	Five withdrawals permitted each tax year, but the ISA can be closed or transferred at any time. Rate includes a variable 1.55% bonus for the first 12 months. Transfers in are allowed. This ISA is flexible. Interest is paid on 6 April each year. PLEASE NOTE: The rate on this product will decrease from 4.85% to 4.70% on 05/12/2024	Easy Access. 2 penalty free withdrawals allowed per tax year and can be by cash (in branch only) and/or cheque (either in branch or by post) Interest payable annually on 5 April
Financial Services Compensation Scheme What's This? The Financial Services Compensation Scheme currently protects you up to £85,000 per person, per banking licence (Please note many providers share banking licences). Discover more in our FSCS Licence Information Guide If you want to ensure your savings are fully protected now and in the future, whilst getting the best rates of interest, our Cash Advice Service can help you. Request a free, no obligation conversation to find out more.
Shared Licence	Own Licence	Shared Licence	Own Licence	Own Licence

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Financial Services Compensation Scheme What's This?

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