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Tembo Money: Cash ISA reviews

Name: Cash ISA
Rating: 4.81 (70 reviews)

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4.78

Based on 70 reviews, last reviewed 19th Jun 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

3 star

2 star

Latest highest rating:

5

Happy customer Great company, ISA so easy to set up and app is great Reviewed on: 13th June 2025

Latest lowest rating:

1

There terms and conditions state 7 days notice bef... There terms and conditions state 7 days notice before cutting interest rates, but they only give you just 2 days notice. Only pay a little bit... Read more Reviewed on: 19th June 2025

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About this product

A Tembo cash ISA can be opened in minutes with as little as £10.

The interest rate is variable and you can have unlimited same day withdrawals with no penalties. Interest accumulates daily and is paid monthly. You can track the performance of your Tembo cash ISA in the app.

Tembo cash ISA reviews help you find out what it’s really like to be a customer. If you’ve used Tembo before, you can also leave a review and share your experience.

Tembo Money Cash ISA reviews (70)

Review of the Tembo Money, Cash ISA:

Problems with Tembo, How disorganised can you be?!

Problems with Tembo. I first applied for the Tembo Isa account on the 6th April. Unfortunately the automatic verification failed and I was directed to use a process called Onfido Identity Verifcation. Without realising it, this was the start of a repetitive and problematic process that doesn’t seem to have an end to it. The first set of identifications I sent failed due to the fact that my passport image I used was a high resolution scanned image taken using a scanner. Apparently this image was not sufficient as they require a photo to be taken of the passport. The photo I took of myself at the time was however fine. The problem here is that it took two days for Onfido Identity verification to inform me that the passport image could not be used. I took a photo of my passport as requested and attached the photo I had previously taken of myself and resubmitted the verification (08/04/2025). Another day passed. I received a link from Onfido Identity Vefication again this time however it had somebody elses name!. I contacted Heather at Onfido to inform her that the wrong persons name was sent on a link to me. She re-assured me that this was a typing error and that it was a simple mistake. Not a problem. I was also informed that I had received the link because my verification had failed due to the fact that the photo I had taken of myself was older than 24 hours. No kidding! I took the photo on the Sunday and a number of days had elapsed before they had contacted me. Anyway, I submitted the verification once more this time with an up to date photo of myself and another photo of my passport once more so as not to fall foul to the fact they take so long to process that it would fail again. Shortly after submitting I received another email from Onfido once again addressed to a different individual asking me once more to go through the verification process. I immediately emailed Onfido again detailing that I had once again received an email addressed to a different individual and that I am seriously concerned that they had emailed once again requesting verification again. Helen from Ofido emailed me back(10042025 12:02) to inform me that the checks have now passed however. They would need the technical support team to manually update this and they will let me know once completed. Shorty after this I received another email once again addressed to the different individual requesting that I once again go through the verification process once more. I once again emailed Onfido verification indicating that I had now received three emails addressed to a different individual. Another day has passed and you guessed it, I have once again received another email addressed to the other individual to once again go through the validation process again. It is now the 11/04/2025 6pm and even after a week my account is still not setup. This combined with the multiple emails addressed to a different individual has seriously dented my confidence in Tembo to operate as a professional organsiation! Reviewed on: 11th April 2025

Great product, clear interest rate and the app is re...

Great product, clear interest rate and the app is really good! Some High street banks don’t have an app this easy to use! Reviewed on: 3rd February 2025

I heard about Tembo through a friend at work, and I...

I heard about Tembo through a friend at work, and I started putting money in a lifetime isa then I realised they also had a cash isa, I’ve been using both and the interest rates have gone up so much throughout my time saving with them. on the couple of occasions I’ve needed to use their customer service, it’s always been prompt and very helpful. Can’t fault them! Reviewed on: 3rd February 2025

very easy to setup and excellent interest rate

very easy to setup and excellent interest rate Reviewed on: 3rd February 2025

Super easy to set up, use and monitor!

Super easy to set up, use and monitor! Reviewed on: 3rd February 2025

Best App & Cash ISA

I opened my Cash ISA with Tembo, the rate is amazing and the onboarding experience was great!! Reviewed on: 3rd February 2025

Amazing rates and great service!

They have increased interest rates when other banks have dropped them. Their customer service is always helpful and responsive. Reviewed on: 29th January 2025

A new really good offering from Tembo!

A new really good offering from Tembo! I've never really understood how to save in both a cash and a lifetime ISA and I've always worried about my limits. But since I already had a lifetime ISA it was incredibly easy to open the cash ISA with Tembo and it tracks how much money I've put into both so I'm sure I'm within the limits. Also it's a very friendly app and the interest rate is great. Reviewed on: 28th January 2025

As a Tembo Cash ISA customer, I am really impressed...

As a Tembo Cash ISA customer, I am really impressed by their customer service and dedication to providing value for money. Even though it's only just been released, their interest rates and app integration has been fantastic and I've already received feedback personally from the CMO with regards to one of my requested features on the app. I've become a frequent user of their forums designed for aspiring first-time buyers and this is particularly helpful in dealing with the Tembo team directly with any questions or feedback. Their market-leading interest rates are amazing and around the same level as the top-level rates, with the difference being negligible when you take into account the benefits from customer service. I enjoy interacting with the community of like-minded people that Tembo has created and will be staying with them for the long-term as long as this continues. I fully recommend all who are thinking of opening an ISA to look into Tembo, as I am doing the same to my family and friends! Reviewed on: 28th January 2025

I'm only at the beginning of my journey with tembo b...

I'm only at the beginning of my journey with tembo but I look forward for a good experience Reviewed on: 27th January 2025

brilliant, very receptive emails when they were sett...

brilliant, very receptive emails when they were setting the cash ISA up and i knew i wanted it since my partner and i have been using the LISA for a while now. i recommmed tembo to everyone, i think it’s the best and fairest rates. Reviewed on: 26th January 2025

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