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Savings

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4.84%

AER

4.84% AER (variable) paid monthly.

Deposit and withdraw instantly.

Deposit up to £250,000.

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Investing

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Investing with Chip

Open a Stocks & Shares ISA

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£5.99

/28 days

0% platform fees*

Stocks & Shares ISA

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*Fund management fees apply.

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Win big with our Prize Savings Account

Prize Savings Account

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Chip Financial LTD

Registered office:
Sixth Floor
Fora Montacute Yards
1‍86 Shoreditch High Street
London
E1 6HU
‍
Note that Chip is not a bank, meaning that we do not have physical branches, issue debit bank cards nor are you able to access your Chip money via ATMs. Chip does not provide financial advice and our services are only available via the Chip app.
‍
hello@getchip.uk

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Investments

For our Investment Platform business only Chip is an Appointed Representative of P1 Investment Services Limited, which is authorised and regulated by the Financial Conduct Authority, under Firm Reference Number 752005. When investing your capital is at risk, and the value of your investments can go up as well as down and you may receive less than your original investment. Past performance is not a reliable indicator of future performance. Chip does not provide investment advice, and you as an individual investor should make your own decisions or seek professional independent advice. Your money may be protected up to £85,000 by the Financial Services Compensation Scheme (“FSCS”) under their Investment Scheme. This means that in the event P1 Investment Services Limited is declared to be in default and cannot meet their obligations, you may be able to claim compensation. It’s important to understand that the FSCS doesn’t cover you in the event that your investments go down and you get back less than what you put in. Further information is available from the FSCS website (fscs.org.uk).

Savings

Chip is a trading name of Chip Financial Ltd and is authorised by the Financial Conduct Authority under the Payment Services Regulation 2017 for the provision of payment services. Firm Reference Number 911255. Only eligible deposits held in the Chip Prize Savings Account and the Chip Instant Access Account (both powered by ClearBank), and our Interest Accounts (Allica Easy Access, OakNorth 90 Day Notice Account, and Hampshire Trust Bank Easy Access, powered by Flagstone) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. To find out more and to check your eligibility please visit: fscs.org.uk/about-us/. There are certain situations where your deposits are not covered by FSCS, but are protected through the FCA’s safeguarding rules. For more information, please visit: https://getchip.uk/how-we-protect-your-money.

Prize Savings Account (“PSA”)

T&Cs, eligibility criteria and minimum average balance of £100 applies. FSCS limits of £85,000 apply to eligible deposits. Prizes are not cash and are applied to your PSA as a bonus. Prizes become cash once you withdraw your entire PSA balance into your linked bank account. Prizes are not eligible for FSCS protection. This account does not offer interest. For current prize values, entry and eligibility criteria and how to opt-out see: getchip.uk/legal/prize-savings-account-terms. You can opt out of any or all prize draws at any time by contacting our Customer Success team via our in-app chat, or emailing support on hello@getchip.uk. If you have opted out, you can opt back in at any time via the same channels. You acknowledge that if you opt out, you will no longer be eligible for entry into prize draws. The PSA and prize draws are offered and managed by Chip. ClearBank is responsible for only the provision of the account and holding your funds which are FSCS protected (subject to eligibility). ClearBank is also responsible for the provision of the Chip Instant Access Account. This means deposits held across both accounts would be eligible for a total of £85,000 of FSCS protection ONLY.