Giftcard Investing Incentive Terms & Conditions

We’re giving our members the chance to get a giftcard when they start investing. Here’s how the promotion works.

Please note that ISA transfers will not be counted towards the minimum balance required to be eligible for this promotion. Deposits into uninvested cash will not be counted towards the minimum balance required to be eligible for this promotion.

Terms and Conditions

Eligibility criteria (who you need to be)
You need to either have:
  • never opened an investment account (either a GIA or a Stocks & Shares ISA) with Chip, OR;
  • a total balance of £0 in your investment account(s) (i.e. your GIA and/or Stocks & Shares ISA) as of 6 March 2025.
How and when you’ll be rewarded
If you meet the eligibility criteria and perform the qualifying actions outlined above;
  • We will send you a gift card voucher to the email connected to your Chip account on 24 April 2025.
  • Once the email to claim your gift card has been sent on 24 April 2025, you have 90 days until this link expires. You will have to claim your gift card within this 90 day timeframe.
  • There is a maximum of one gift card per person.
  • Please note as long as the minimum deposit is made by 23:59 16 March 2025 deadline, it will qualify for the promotion. Note that investment deposits may take a few days to appear in your account.
  • If Chip has grounds to suspect any user, or associated third party of abusing the promotion in any capacity, Chip reserves the right (in its sole discretion) to disqualify any person it reasonably believes to be responsible for, or associated with, such activity and/or refuse to pay any bonus.
  • Any Chip promotion is also subject to the eligibility requirements of a Chip account, which can be found in Section 4 of our Terms of Use and our Privacy Notice.
  • ‍Chip reserves the right to modify or terminate the Gift Card Promotion at any time. 
  • Please note that ISA transfers will not be counted towards the minimum £500 balance required to be eligible for this promotion.
Who are Chip?
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.

Frequently Asked Questions

When does this promotion start and end?
The promotion starts on 6 March 2025 and ends at 23:59 on 16 March 2025.
Where will the gift card be sent?
The gift card will be sent to the email linked to your Chip account on 24 April 2025. You can check your linked email address in the ‘Personal Details’ section on the Profile tab in your app.
Who is eligible for this promotion?
You need to either have:
  • never opened an investment account (either a GIA or a Stocks & Shares ISA) with Chip, OR;
  • a total balance of £0 in your investment account(s) (i.e. your GIA and/or Stocks & Shares ISA) as of 6 March 2025.
Do I need to be an existing Chip customer to participate?
You need to be an active Chip customer to qualify for the bonus.
What happens if my deposit takes a few days to process?
As long as the deposit is made by 23:59 16 March 2025 deadline, it should qualify. Note that investment deposits may take a few days to appear in your account.
How many gift cards can I earn through this promotion?
You can earn a maximum of one gift card per customer.
How long will it take for the gift card to be sent to my email?
The gift card will be sent on 24 April 2025.
How will I know if I have received the bonus?
You can check your email after 24 April 2025 to confirm receipt of the gift card.
Can I use an ISA transfer to meet the minimum deposit requirement? 
No, funds transferred from an ISA outside of Chip will not count towards the minimum balance required for this promotion. Only new money deposited directly into the investment account qualifies.
Can I use this in conjunction with other promotions?
Yes, you will be eligible for this promotion even if you are on a New User promotion. 
How do I redeem the gift card?
You will receive an email on 24 April 2025 which will include the instructions for redeeming your gift card. You must redeem your gift card within 90 days of this email being sent, otherwise the link will expire. The expiration date of the gift voucher itself will depend on the retailer and the details will be on the gift card.
Where can I use my gift card?
The email you will receive on 24 April 2025 will allow you to choose between John Lewis, Laithwaites, and Bloom & Wild. You will need to follow the instructions on the email.
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.‍

‍Seccl Custody Limited is the ISA Manager for the Chip Stocks and Shares ISA. A monthly or annual ChipX membership is required for certain funds selected within a Stocks and Shares ISA. Fund management charges apply ISA limits apply. Invest £20k per tax year.‍

‍Chip does not provide tax or financial advice. Tax treatment depends on individual circumstances and may be subject to change in the future. ‍GIA proceeds are potentially taxable, subject to any annual exemption that may apply