Exclusive offer for Political Currency listeners.

For your first £10,000 deposited into Chip before 23:59 on 20 March 2026, you’ll receive a Fortnum & Mason Wine Quartet Wicker Hamper after holding the deposit for 90 days. Start building your wealth with Chip.

How to redeem:

1

Download the Chip app and enter the code PODCAST in the Promos & Referrals section of the app

2

Deposit your first £10,000 into Chip, which can be split across multiple Chip Savings and Investment Accounts, before 23:59 20 March 2026

3

Hold your minimum £10,000 balance for 90 consecutive days

4

The Fortnum & Mason Wine Quartet Wicker Hamper will be sent to the address linked to your Chip account. The hamper contains: Fortnum’s Bourgogne Blanc, Roger Luquet Fortnum's Alvarinho, Anselmo Mendes Fortnum's Valpolicella, Corte Sant'Alda Fortnum's Rioja Crianza, Bodegas La Encina. Please see more details here.

See full terms below

Political Currency Promotion Terms & Conditions

Offer at a glance

  • If you deposit a minimum £10,000 into Chip before 23:59 20 March 2026, enter the promo code PODCAST, and hold the minimum balance for 90 calendar days, you will receive a Fortnum & Mason hamper sent to the address linked to your Chip account after holding the depoist for 90 days. 

Eligibility criteria (who you need to be)

  • You need to :
    • be a new Chip customer;
    • A new customer is defined as someone who has never previously held a Chip account and not already redeemed a new customer promotion.
    • You must be over 18 and a UK resident.  

How to qualify (what you need to do)

  • Download Chip and set up your new account. 
  • Head to the Profile > Promos & Referrals > Enter a code section of the app and enter the promo code PODCAST;
  • Deposit a minimum £10,000 into any Chip account (this can be split across multiple accounts) before 23:59 20 March 2026; 
  • Hold the minimum £10,000 in your Chip account for a minimum of 90 consecutive calendar days;
  • We will send you a Fortnum & Mason hamper (The Fortnum's Wine Quartet Wicker) to the address linked to your Chip account after the 90 day holding period. The hamper’s will be ordered on 22 June 2026, please allow up to 7-10 day working days for this to be delivered to the address linked to your Chip account. If the delivery address is in the Channel Islands or Northern Ireland, please allow up to 14 working days for delivery.
  • If the Fortnum & Mason hamper is out of stock or we are otherwise unable to ship to you, we will issue you a Fortnum & Mason digital voucher of equal value to the hamper (£100). Please allow up to 7-10 day working days for this to be sent to the email linked to your Chip account. 

How and when you’ll be rewarded

  • There is only one Fortnum & Mason hamper available per user. 
  • By entering the promo code, you are consenting for your personal information to be shared with Fortnum and Mason for the distribution of the hampers or the digital vouchers. 
  • Chip reserves the right to modify or terminate the Political Currency Promotion at any time.
  • 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. Also see our Privacy Notice for information on how we use your data. 
  • Chip Financial Ltd are the promoters of this offer and any enquiries about this promotion should be directed to Chip customer service (via hello@getchip.uk or the ‘Contact Us’ section in-app).
  • Please drink responsibly. 
  • Chip is app-only. 

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.

Entries close 31 December

Win £250k with Chip,  your wealth app.

Our Prize Savings Account is giving away £500,000 in prizes this December. Just save to enter.

T&Cs, eligibility criteria and minimum average balance applies.

The Prize Savings Account does not offer interest.

The Prize Savings Account does not offer interest.

Savings powered by
Eligible deposits are protected under the Financial Services Compensation Scheme up to £120,000.
Our dedicated UK-based support team is available 7 days a week, providing you with help when you need it.
Savings powered by
Eligible deposits are protected under the Financial Services Compensation Scheme up to £120,000.
Our dedicated UK-based support team is available 7 days a week, providing you with help when you need it.

Join 400,000+ people building real wealth.

Meet Chip,
your wealth app.

One place to save, invest and grow your money.

Entries close 31 December

Win £250k with Chip, your wealth app.

Our Prize Savings Account is giving away £500,000 this December. Just save to enter.

T&Cs, eligibility criteria and minimum balance applies.

The Prize Savings Account does not offer interest.

Better rates, same protection

Trusted by over 400,000 people.

Powered by ClearBank

All money deposited into a savings or investment account through Chip and any other account held with ClearBank is eligible for cover by the Financial Services Compensation Scheme (FSCS), subject to FSCS conditions.

Protect yourself with biometrics

Protection for your mobile device with biometric login. As an additional security layer all Chip users need to create a 6-digit PIN to access their app.

Bank-level encryption

Every connection to Chip is secured with bank-grade encryption and built on Open Banking technology – the regulated standard for seamlessly linking accounts.

We’ve got your back

Our systems continuously monitor for suspicious activity, helping keep your account protected from fraudsters.

Help when you need it

Our UK-based customer support team is just a message away, ready to help whenever you need it.

You are covered up to £120,000 per bank whether your deposits are made via Chip or not. Chip savings accounts are powered by our partner bank ClearBank, a UK authorised bank. This means deposits held across the Chip Cash ISA, Chip Instant Access, Easy Access Saver and Chip Prize Savings Account would be eligible for a total of £120,000 of FSCS protection only.

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

Enter your email below to get a direct download link to your inbox.

Your download link is in your inbox. Install the app, create your account, and start building wealth!
Oops! Something went wrong while submitting the form.

Got a question?

Here are some common questions we get asked by new Chip customers.

How does Chip protect my money?
Savings accounts: All eligible deposits in Chip savings accounts held are with our UK authorised partner bank, ClearBank, and are eligible for the Financial Services Compensation Scheme (FSCS) for up to £120,000 per person, per bank. 

Investment accounts:  Money and investments held in a Stocks & Shares or General Investment Account (GIA) are held by our custodian, Seccl Custody Limited. Your investments are kept separate from Chip's own assets and are eligible for FSCS protection.

Learn more about how we protect your money.
How do I set up my account?
Setting up your Chip account is quick, fuss-free, and takes just a few minutes:
  1. Download the app: Get the Chip app from the App Store or Google Play Store.
  2. Create an account: Follow the simple in-app steps to enter your details and pass a quick security check.
  3. Connect your bank: We use Open Banking to securely connect to your UK bank account. This allows you to make instant deposits and withdrawals.
  4. You're ready: Once connected, you can immediately choose a savings account or investment fund to start building your wealth.
With Investments your Capital is at risk.
How do I manage my Chip account?
For more information on managing your Chip account, such as making withdrawals, moving money between accounts and using autosaves, see our guidance here.
How to invest with Chip?
Set up an investment account in a few steps:
  1. Connect your bank: We use Open Banking to securely connect to your UK bank account. This allows you to make instant deposits and withdrawals.
  2. Choose an account: We offer a Stocks and Shares ISA and General Investment Account (GIA).
  3. Start investing: Choose from our ready-made funds or build your portfolio from over 40 curated investment funds.
With Investments your Capital is at risk.
Learn more about investing with our simple guides.
Is Chip free?
Setting up an account and using the Chip app is completely free. There is no fee to open any of Chip’s savings or investment accounts.

For more information on our investment fees, see our pricing page.
Is saving with Chip safe?
Yes, saving with Chip is safe. We are committed to protecting your money and have several layers of security in place:
  • FSCS Protection: Eligible deposits held in our savings accounts are protected by the Financial Services Compensation Scheme (FSCS) up to a value of £120,000. Your money is held with our UK-authorised partner banks (such as ClearBank), which are members of the scheme.
  • FCA Authorisation: Chip Financial Ltd is authorised and regulated by the Financial Conduct Authority (FCA). This means we must adhere to strict rules designed to protect our customers.
  • Bank-Grade Security: We use state-of-the-art security features, including industry-standard encryption, to keep your personal information and your money secure.
Who are ClearBank?
ClearBank Ltd is a UK-authorised and regulated clearing bank.

We have partnered with ClearBank to provide the underlying infrastructure for our FSCS-protected savings accounts. When you deposit money into a Chip savings account, it is held securely with ClearBank.

As ClearBank is a fully authorised UK bank, any eligible funds you hold with them through the Chip platform are protected by the Financial Services Compensation Scheme (FSCS) up to the limit of £120,000.
How can I find Chip on the FCA register?
You can find us on the register by using our official company name, Chip Financial Ltd, or our Firm Reference Number (FRN): 911255.

To check for yourself:
  1. Go to the official FCA Register website.
  2. In the search bar, enter either "Chip Financial Ltd" or our FRN "911255".
  3. You will see our official entry, confirming that we are an authorised firm.
What is Chip Financial Ltd?
Chip Financial Ltd is the official legal name of the company that owns and operates the Chip app.

As the operating entity, Chip Financial Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 911255.
What is the Financial Services Compensation Scheme (FSCS)? 
The Financial Services Compensation Scheme (FSCS) is the UK's independent statutory fund for customers of failed financial services firms. Its purpose is to protect your money if a bank, building society, or credit union you hold money with goes out of business.

Key features of the FSCS:
  • Protection limit: It protects eligible deposits up to £120,000.
  • Per person, per institution: This limit applies per person, per UK banking licence.
  • Automatic and free: The service is completely free for consumers, and your protection is automatic.
For Chip customers, this means the eligible money you deposit into our savings accounts is protected up to the £120,000 limit because it is held with our UK partner banks, who are members of the FSCS.

Still have questions?