The offer:

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What is the rate boost?
It's a 0.25% AER boost on top of your Smart Cash ISA's standard rate, taking you from 3.75% AER to 4.00% AER (variable tracker) for 12 months. The standard rate tracks 0.06% under the Bank of England base rate, so your boosted rate will move with it.

How long does the boost last?
365 days (12 months) from XX July 2026. After that, your rate reverts to the standard Smart Cash ISA variable rate (currently 3.75% AER variable tracker)

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Does the boost apply to my whole balance?
The boosted rate applies to up to £20,000 of your Smart Cash ISA balance. Any amount above that earns the standard 3.75% AER variable tracker rate.

For example, if you have £50,000 in your Smart Cash ISA, £20,000 earns 4.00% AER and the remaining £30,000 earns 3.75% AER.

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Eligibility:
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Who qualifies for the boost?
To qualify, you need to:

• Have a qualifying investment balance of £5,000 or more by 23:59 on XX July 2026
• Have an open Smart Cash ISA by 23:59 on XX July 2026
• Not have any other promotional or referral boost already applied to your Smart Cash ISA

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What counts as my qualifying investment balance?
Your qualifying investment balance is calculated from your opening investment balance on 18 June 2026, plus any net cash deposits you make between XX June and XX July 2026.

It deliberately excludes investment gains, losses, and dividends during the promotion period, so normal market movements won't affect your eligibility.

Note that pending deposits don't count. Only settled amounts are included. Note that deposits take 3-9 working days to land.

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Will I lose eligibility if my investment value drops below £5,000?
No. if your balance drops below £5,000 due to investment performance alone, you remain eligible. Market movements don't affect your qualifying investment balance.

However, if you withdraw funds and that brings your qualifying investment balance below £5,000 before 23:59 on XX July 2026, you will lose eligibility.

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GETTING YOUR BOOST

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I already have a Smart Cash ISA and qualify — do I need to do anything?
No. If you already have an open Smart Cash ISA and meet the investment balance requirement, the boost will be applied automatically on XX July 2026. You don't need to do anything.

I don't have a Smart Cash ISA yet — how do I get the boost?
Open a Smart Cash ISA before 23:59 on XX July 2026 and make sure your qualifying investment balance stays above £5,000. Once those two conditions are met, the boost is applied automatically on XX July 2026.

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When exactly does the boost start?
The boost is applied on XX July 2026, provided you've met the eligibility criteria by the XX July 2026 deadline.

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What could cause me to lose the boost?
You won't receive the boost if, before 23:59 on XX July 2026, you:

• Withdraw funds and bring your Qualifying Investment Balance below £5,000
• Close your Smart Cash ISA
• Fail to open a Smart Cash ISA (if you don't have one already)

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Everything else:

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Can I use this alongside another Chip promotion?
No. This boost can't be combined with any other promotional or referral rate boost. If you already have a boost applied to your Smart Cash ISA, you won't be eligible.

Can Chip change or end the promotion early?
Chip reserves the right to modify or end the promotion at any time. If your boost has already been applied, Chip will give you at least 14 days' notice of any changes.

Where can I find the full terms?
The full promotion terms are available in-app and on the Chip website. The Smart Cash ISA is provided by Chip Financial (Investments) Ltd. T&Cs, ISA rules, and limits apply. Chip does not provide financial or tax advice. When investing, your capital is at risk.