Sainsbury’s ‘policy’ with their variable rate ISA is NOT to increase interest rates on existing customers accounts. They claim you have to RING them and REQUEST the new interest rate then they will apply it. It is not automatically applied. It does not state anywhere in the T&C’s you have to contact them to get the increased rate. Just to add salt to the wound, they don’t inform you when the rate changes, you are expected to log onto their website and find out yourself. How this practice has not been stopped by the regulators I don’t know. The damage this is causing to the 150 years of trusted Sainsburys brand is unmeasurable. I will never trust them again.