[Name] has invited you to build wealth

Sign up with your email below and they’ll get a £50 bonus. You get savings, investing and pensions in one app.

T&Cs and eligibility criteria apply. Enter your email address into the box below. Use the same email address to sign up to Chip. Deposit at least £1,000 and hold for at least 90 days. By participating in our referral program, you acknowledge and agree that we will store your email address for 30 days prior to sign-up to redeem your referral. See our Privacy Notice. See terms here.

Rated 4.5 out of 5 stars on Trustpilot
British Bank Awards: Best Personal Finance App 2025, 2024, 2022British Bank Awards: Best Cash ISA, May 2026Finder Awards: People’s Choice Savings Provider, September 2023

34,647

Members referred

£874,371

Referral rewards paid

How it works

Three steps, 90 days, and £50 bonus for someone who thought of you.

Step 1

Step 1

Sign up using their referral code

First, download the Chip app and sign up using the unique referral code your loved one provided.

Step 2

Step 2

Make their first deposit

You’ll need to deposit at least £1,000 into a Chip account. It can be split across multiple Chip savings and/or investment accounts (Chip Cash ISA, Chip Smart Cash ISA, Chip Instant Access Account, Prize Savings Account, Chip Everyday Savings Account, General Investment Account, Stocks & Shares ISA). Pensions are not included, though.

When investing, your capital is at risk

Step 3

Step 3

Hold the balance

Keep at least £1,000 in your chosen account(s) for 90 consecutive calendar days. Once that's done, the £50 reward is paid automatically to the person who referred you within seven days.

Refer someone else and earn £50 yourself. You can refer as many people as you like.

Ready when you are

Enter your email below, then use the same address when you sign up to Chip.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Why sign up to Chip?

Trusted by 400,000+ people

Savings powered by ClearBank, investments from the world’s biggest names like BlackRock and Vanguard, and UK-based customer support seven days a week.

Rewards for building wealth

Add to your investments and pension with Chip, and Wealth Tiers give back, starting with a higher rate on your Smart Cash ISA. Opt-in required. Rates are variable. T&Cs apply.

Everything in one place

No more juggling providers and passwords. See your net worth at a glance, and talk your money through with Wealth Agent, in the app, whenever you like.

When investing, your capital is at risk. The value of your investments can go down as well as up and you may get back less than your original investment. Chip does not provide financial advice. Images for illustrative purposes only.

Accounts they might like

Smart Cash ISA

Tax-free interest1
Flexible ISA
Easy Access

New customers can earn 4.72% AER (variable tracker) for their first 12 months months

  • Made up of a 3.76% standard variable rate, plus a 0.96% new customer boost for 12 months
  • After 12 months, rate reverts to the standard 3.76% AER (variable tracker)
  • Interest is paid monthly
Summary Box
Learn more
¹Tax rules depend on individual circumstances and may change. 18+, UK tax resident & app only. T&Cs apply.
Powered by Chip Financial Wealth Ltd

Instant Access

Interest paid monthly
FSCS protection
Instant Access

Earn a standard rate of 3.26% AER / 3.21% gross (variable tracker)

Additional information:

  • Interest is paid monthly
  • Tracks 0.79% under the Bank of England base rate
Summary Box
Learn more
Powered by
18+, UK tax resident & app only. T&Cs apply.

Easy Access

Interest paid monthly
FSCS protection
Easy Access

Earn a standard rate of 3.76% AER / 3.70% gross (variable tracker)

  • Interest is paid monthly
  • Tracks 0.30% under the Bank of England base rate
  • Three penalty-free withdrawals in a 12 month period
Summary Box
Learn more
Powered by
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 November grand prize

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

Learn more
Powered by
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.

Learn more
Powered by Seccl
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.

Learn more
Powered by Chip Financial Wealth Ltd
¹Tax rules depend on individual circumstances and may change. T&Cs apply.
Iframe is blocked. Accept cookies to load it.

By clicking "Accept", you agree to the storing of cookies on your device to enhance site navigation, analyse site usage, and assist in our marketing efforts. View our Privacy Policy for more information.