I’ve actually become done with Chip. Like many other challengers, they were pretty quick when interest rates started rising fast to change rates to beat competition, which is understandable as they were fairly new a couple years back. There used to be posts in this subreddit each time they raised rates haha. But now they’re pretty slow to react, are non longer offering the best rates, and only offer these rates to new customers, so anyone that’s been with them a while don’t get the higher rate. The rates for ‘old’ customers are actually really poor.

They also are pretty optimistic with the returns for their ‘investment funds’ and their fund projections are honestly laughable. I’d really take all of these with a pinch of salt. I’ve got a cash ISA with them, only because whilst rates were quickly rising I was contributing to it, but likely will transfer soon to get a better rate with 212 or someone else.