Savings

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Saving with Chip

Competitive rates, monthly prizes & award-winning AI.

How auto-saves work

Learn more about our award-winning AI.

Interest rates explained

The basics of interest rates.

Cash ISA transfers

How to transfer your ISA to Chip

OUR SAVINGS ACCOUNTS

Easy Access Account

Easy access with instant deposits and withdrawals.

Build your wealth with tax-free interest.

Instant Access Account

Highly competitive rates without withdrawal restrictions.

Prize Savings Account

Our savings account with a monthly prize draw.

See all savings accounts

Chip Cash ISA

12 month promotion

4.33% AER

New customers could earn 4.33% AER (variable tracker).

Then the standard rate of 3.30% AER (variable tracker).

Earn interest monthly, tax free.

Chip Cash ISA

Popular

3.30% AER

Earn 3.30% AER (variable tracker).

Earn interest monthly, tax free.

No withdrawal limits.

Investing

GET STARTED

Investing with Chip

Funds from the world’s largest asset managers.

Stocks & Shares ISA

A popular and tax-efficient way to invest.

Invest in Funds

See the funds offered with Chip.

Chip's Investment Funds

Search, filter and sort to find our funds.

Choose from our curated range of free-to-access funds.

OUR INVESTMENT FUNDS

Invest in giants from across the USA.

Invest in global giants developed markets.

Invest in top US tech companies

Invest in leading innovators shaping AI's future.

Invest in real gold for timeless portfolio diversity.

FTSE Emerging Markets

Invest in emerging markets.

Invest in tech giants from across the USA.

Invest in thousands of companies globally.

Invest in leading Chinese market growth

Physical Silver

Invest in real silver for timeless portfolio diversity.

Learn

TOOLS

Interest Rates Calculator

See how much you could earn in interest.

Savings Goals Calculator

See how long it will take to reach your goals.

Stocks & Shares ISA Calculator

See how much you could earn.

Investing Guides

Everything you need to know to start investing.

Take a look at the recent articles from Chip.

Investing Guides

Investing Basics

Learn how investing works from scratch

Investment Types & Asset Classes

Explore stocks, bonds, funds, and more

Investment Fees & Costs

Understand what investing may cost

Portfolio Management

Build and manage your investments

Types of Investment Accounts

Compare account types and their advantages

What are Stocks?

Learn how company shares work

What’s an ETF?

Understand exchange-traded funds simply

What are Bonds?

How bonds earn you fixed returns

Investing in Gold & Commodities

Guide to gold and commodity investing

Investing in Cryptocurrencies

Basics of crypto investing explained

Support

get started with chip

How saving with Chip works

Everything about saving with Chip.

How we protect your money

How you're protected with FSCS.

How auto-saves works

What is it and how to use it.

How we can fight fraud

What you can do to protect yourself.

GUIDES

Investing support

The basics of investing with Chip.

Changing your linked bank account

How to update your bank details.

How to connect your card

Everything about card connecting.

Support & reasonable adjustments

Inform us of a vulnerability or life event.

Get in contact

Reach out to a member of our support team who are on hand between 8am and 8pm weekdays, as well as 9am and 6pm weekends.

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Investing Guides

Grow your wealth with confidence. Our expert investing guides make it easy to start, build, and manage your investments.

Investing Guides

Investing Basics

Learn the core principles of investing to build confidence and get started on your journey.

Understanding the basics of investing

Types of investment account

Investment Types & Asset Classes

Risk, returns, and investment strategies

Stock Market Basics

Investment Portfolio Management

Behavioural investing & common mistakes

Understanding investment fees and costs

Retirement and long-term investing

Ethical and thematic investing

Asset Classes Explained

Understand the different types of assets you can invest in, from stocks to bonds and beyond.

What are stocks and how do they work?

What are bonds and how do they work?

What are ETFs and how do they work?

Why invest in gold and commodities?

What are cryptocurrencies and how do they work?

Investing Trends & Tools

Discover the latest investing trends and tools to build your portfolio confidently.

Understanding what is a robo-advisor

ESG investing explained

Fractional shares explained

Fintech & the future of investing

Investing Strategies

Learn effective investing strategies to grow your wealth over time.

Passive and active investing explained

Growth investing vs value investing

Passive income strategies explained

Buy and hold strategy explained

Aggressive and defensive investing strategies explained

Opening a Chip account takes just a few minutes. No forms, no fuss.

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1. Download Chip

Head to the App Store or Google Play Store.

2. Create an account

Enter a few details and pass a quick check.

3. You're good to go!

Choose from our range of finance products.

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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© Chip Financial Ltd - Registered Company in England and Wales #10113174

© Chip Financial (Investments) Ltd - Registered Company in England and Wales #15161994

Privacy Notice Terms of Use Cookies Policy

Investments

For our Investment Platform business, only Chip Financial (Investments) Ltd is authorised and regulated by the Financial Conduct Authority, under Firm Reference Number 1005114. Seccl Custody Limited acts as the custodian for the money held in a Stocks and Shares ISA or General Investment Account (GIA) with Chip. We use Seccl to provide the behind the scenes technology that powers our investment platform, and Seccl is responsible for holding your cash and investments. In the unlikely event Seccl Custody Limited or Chip Financial (Investments) Ltd is declared to be in default and cannot meet our obligations, you may be able to claim compensation. If you are eligible, you could make a claim for up to £85,000 by the Financial Services Compensation Scheme (FSCS) under their Investment Scheme. 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). 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.

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 Savings Accounts (powered by ClearBank) 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/. You are covered up to £85,000 per bank whether your deposits are made via Chip or not. ClearBank is responsible for the provision of the Chip Instant Access Account, the Easy Access Account, the Chip Prize Savings Account & the Chip Cash ISA. This means deposits held across these accounts would be eligible for a total of £85,000 of FSCS protection ONLY. Whilst your money is being processed it is held in a Chip Safeguarded Account, which is safeguarded through the FCA’s safeguarding rules. In the unlikely event that ClearBank or Chip were to fail, and your funds were in the safeguarded client money account, then your funds are FSCS eligible and you can make a claim via FSCS. For more information, please visit: https://getchip.uk/how-we-protect-your-money and FSCS website (fscs.org.uk)

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) You are covered up to £85,000 per bank whether your deposits are made via Chip or not. ClearBank is responsible for the provision of the Chip Instant Access Account, the Easy Access Account, the Chip Prize Savings Account & the Chip Cash ISA. This means deposits held across these accounts would be eligible for a total of £85,000 of FSCS protection ONLY. Whilst your money is being processed it is held in a Chip Safeguarded Account, which is safeguarded through the FCA’s safeguarding rules. In the unlikely event that ClearBank or Chip were to fail, and your funds were in the safeguarded client money account, then your funds are FSCS eligible and you can make a claim via FSCS. For more information, please visit: https://getchip.uk/how-we-protect-your-money and FSCS website (fscs.org.uk)

Chip Cash ISA

Your Chip Cash ISA is a cash ISA provided by ClearBank Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority under registration number 754568. ClearBank Limited is approved by His Majesty’s Revenue and Customs (“HMRC”) for the purposes of the Individual Savings Accounts Regulations 1998 as an ISA manager. ClearBank Limited is registered in England and Wales under company number 09736376 with registered office: ClearBank, Borough Yards, 13 Dirty Lane, London, SE1 9PA. You are covered up to £85,000 per bank whether your deposits are made via Chip or not. ClearBank is responsible for the provision of the Chip Instant Access Account, the Easy Access Account, the Chip Prize Savings Account & the Chip Cash ISA. This means deposits held across these accounts would be eligible for a total of £85,000 of FSCS protection ONLY. Whilst your money is being processed it is held in a Chip Safeguarded Account, which is safeguarded through the FCA’s safeguarding rules. In the unlikely event that ClearBank or Chip were to fail, and your funds were in the safeguarded client money account, then your funds are FSCS eligible and you can make a claim via FSCS. For more information, please visit: https://getchip.uk/how-we-protect-your-money and FSCS website (fscs.org.uk)