As far as I know it is added to the pending total daily. In my case interest is typically credited at about 2.30 am each day and I assume it is then added automatically to the pending total. If your pending total isn’t increasing daily, you might want to take it up with Trading 212. The only other thing I can think of is if you only have a very small amount of money in your account and no interest has therefore accrued.

Thanks, Colin. It’s clearly disappointing but reflects a general trend at the moment. If you want an instant access cash ISA, you still won’t do much better than the 4.5% Trading 212 are offering from March 2025. Plum and Chip (both app-based) have slightly higher headline rates but with a few strings attached. And obviously it’s always possible they will reduce their rates too.