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Wealth building,
made for you.
Your investments, curated. Your savings, earning daily. A pension that tracks when you want to retire. And guidance? Well, that’s there when you need it. Chip has everything you need to build wealth, all in one place.
When investing your capital is at risk.
18+ UK tax residents and app only.
Wealth building,
made for you.
Chip helps you grow real wealth with savings and carefully-curated investments, all in one place.
When investing your capital is at risk.
Everything a savings account should be
*4+ withdrawals in a rolling 12-month period will reduce your rate to the Reduced Easy Access Rate.
T&Cs, eligibility criteria and minimum average balance applies.
Your first set of keys.
The deposit. The rented van. The takeaway pizza before you unpack. All for that moment you close the door behind you.
Smart Cash ISA
For the ones that matter.
The bigger car. The spare room turned nursery. For the best start in life you can give them. All made possible by planning today.
Chip Stocks & Shares ISA
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Your big day, your way.
The dream venue. The perfect dress. Open bar? For everything from the stag in Budapest to ‘you may kiss the bride’.
Smart Cash ISA
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Save for absolutely anything.
For the thing you’ve always wanted. The one that doesn’t make sense to anyone but you. Turn that “someday” purchase into reality.
Chip Prize Saving Account
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Your adventure starts here.
The Norwegian cruise. The bullet-train through Japan. A month on a Thai beach or getting lost in Naples. Save, plan, go.
Chip Instant Access
Let's talk money...
Because finance is personal
We’ve built Chip to fit around you. Your goals, your pace, your plan. Your financial wealth app.
Saving
Saving made easy
Simple easy-access accounts, and a way to win prizes.
Saving with Chip
Multiple savings accounts designed for your financial goals.
Smart Cash ISA
Flexible saving, your account can be opened in minutes.
Prize Savings Account
A savings account with our monthly prize draw.
Wealth building tools
Learn more about savings with our financial tools.
Tax treatment depends on individual circumstances and may be subject to change in the future.
Investing
Investing that's simple
No jargon. No stress. Just simple, smart investing.
Investing with Chip
Build your wealth without the stress, investing made simple.
Chip Stocks & Shares ISA
Flexible investing, your account can be open in minutes.
All of our investment funds
Curated funds from leading managers, hand-picked by us.
Investing guides
Kickstart your investing journey with confidence.
Tax treatment depends on individual circumstances and may be subject to change in the future. With investments, your capital is at risk.
Better rates, same protection
Trusted by over 400,000 people.
FSCS Protected
All money deposited through Chip into any savings account is eligible for cover by the Financial Services Compensation Scheme (FSCS), subject to conditions and £120,000 per bank limits. Money in investment accounts is eligible for protection by the FSCS on balances up to £85,000.
Protect yourself with biometrics
Protection for your mobile device with biometric login. As an additional security layer all Chip users need to create a 6-digit PIN to access their app.
Bank-level encryption
Every connection to Chip is secured with bank-grade encryption and built on Open Banking technology – the regulated standard for seamlessly linking accounts.
We’ve got your back
Our systems continuously monitor for suspicious activity, helping keep your account protected from fraudsters.
Help when you need it
Our UK-based customer support team is just a message away, ready to help whenever you need it.
You are covered up to £120,000 per bank. The Chip Cash ISA, Chip Instant Access, Easy Access Saver and Chip Prize Savings Account are powered by ClearBank meaning deposits across these accounts and any other accounts held with ClearBank would be eligible for a total of £120,000 of FSCS protection only. Eligible deposits in the Smart Cash ISA are FSCS protected up to £120,000 per person, per institution. Money in Chip investment accounts is eligible for protection by the FSCS on balances up to £85,000.
Tell us what you want to do
"I'm going to start Investing / Saving.
With investments, your capital is at risk.
Opening a Chip account takes just a few minutes. No forms, no fuss.
Enter your email below to get a direct download link to your inbox.
Got a question?
Here are some common questions we get asked by new Chip customers.
Investment accounts: Money and investments held in a Stocks & Shares or General Investment Account (GIA) are held by our custodian, Seccl Custody Limited. Your investments are kept separate from Chip's own assets and are eligible for FSCS protection.
Learn more about how we protect your money.
- Download the app: Get the Chip app from the App Store or Google Play Store.
- Create an account: Follow the simple in-app steps to enter your details and pass a quick security check.
- Connect your bank: We use Open Banking to securely connect to your UK bank account. This allows you to make instant deposits and withdrawals.
- You're ready: Once connected, you can immediately choose a savings account or investment fund to start building your wealth.
- Connect your bank: We use Open Banking to securely connect to your UK bank account. This allows you to make instant deposits and withdrawals.
- Choose an account: We offer a Stocks and Shares ISA and General Investment Account (GIA).
- Start investing: Choose from our ready-made funds or build your portfolio from over 40 curated investment funds.
For more information on our investment fees, see our pricing page.
- FSCS Protection: Eligible deposits held in our savings accounts are protected by the Financial Services Compensation Scheme (FSCS) up to a value of £120,000. Your money is held with our UK-authorised partner banks (such as ClearBank), which are members of the scheme.
- FCA Authorisation: Chip Financial Ltd is authorised and regulated by the Financial Conduct Authority (FCA). This means we must adhere to strict rules designed to protect our customers.
- Bank-Grade Security: We use state-of-the-art security features, including industry-standard encryption, to keep your personal information and your money secure.
We have partnered with ClearBank to provide the underlying infrastructure for our FSCS-protected savings accounts. When you deposit money into a Chip savings account, it is held securely with ClearBank.
As ClearBank is a fully authorised UK bank, any eligible funds you hold with them through the Chip platform are protected by the Financial Services Compensation Scheme (FSCS) up to the limit of £120,000.
To check for yourself:
- Go to the official FCA Register website.
- In the search bar, enter either "Chip Financial Ltd" or our FRN "911255".
- You will see our official entry, confirming that we are an authorised firm.
As the operating entity, Chip Financial Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 911255.
Key features of the FSCS:
- Protection limit: It protects eligible deposits up to £120,000.
- Per person, per institution: This limit applies per person, per UK banking licence.
- Automatic and free: The service is completely free for consumers, and your protection is automatic.