Put your money to work with Chip

Whether you’re building an emergency fund, saving towards a goal or looking for somewhere to grow your money, Chip gives you access to a range of savings options from one app.

Smart Cash ISA

Tax-free interest1
Flexible ISA
Easy Access

New customers can earn 4.66% AER (variable tracker) for their first 12 months months

  • Made up of a 3.50% standard variable rate, plus a 1.16% new customer boost for 12 months
  • After 12 months, rate reverts to the standard 3.50% AER (variable tracker)
  • Interest is paid monthly
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¹Tax rules depend on individual circumstances and may change. 18+, UK tax resident & app only. T&Cs apply.
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Instant Access

Interest paid monthly
FSCS protection
Instant Access

New customers can earn 3.51% AER (variable tracker) for their first 12 months

  • Made up of a 3.00% standard variable rate, plus a 0.51% new customer boost for 12 months
  • After 12 months, rate reverts to the standard 3.00% AER (variable)
  • Interest is paid monthly
Summary Box
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18+, UK tax resident & app only. T&Cs apply.

Easy Access

Interest paid monthly
FSCS protection
Easy Access

New customers can earn 3.81% AER (variable tracker) for their first 12 months

  • Made up of a 3.50% standard variable rate, plus a 0.31% new customer boost for 12 months
  • After 12 months, rate reverts to the standard 3.50% AER (variable)
  • Interest is paid monthly
  • Three penalty-free withdrawals in a 12 month period*
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18+, UK tax resident & app only T&Cs apply.
*4+ withdrawals in a rolling 12-month period will reduce your rate to the Reduced Easy Access Rate.

Prize Savings Account

Entries based on balance
Tax-free prizes1
Easy Access

Win our £10,000 October grand prize

Instead of earning interest, your deposits earn entries into our monthly prize draw, with a chance to win multiple prizes.

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¹Tax rules depend on individual circumstances and may change.
‍T&Cs, eligibility criteria and minimum average balance applies.

Stocks & Shares ISA

Tax-free returns1
Curated funds
£20,000 allowance

Deposit up to £20,000 with tax-free returns1


Open a Stocks & Shares ISA and grow your money tax-free1 with a range of curated funds from the biggest asset managers in the world.


When investing, your capital is at risk.

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¹Tax rules depend on individual circumstances and may change. T&Cs apply.

Personal Pension

25% tax top up1
Tailored
Transfer pensions

The pension that knows when you want to retire


Combine your old pension pots to see your retirement clearly, invested in one smart fund that automatically adjusts as you get closer to retirement.


When you invest in a pension the value of your investments can go down as well as up.

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¹Tax rules depend on individual circumstances and may change. T&Cs apply.
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