A boost for you,
A boost for them.

Share the wealth. Invite your friends to join Chip and get an additional 0.25% AER boost.

T&Cs and a minimum deposit of £5,000 required. See our full terms here.

Join Chip with a friend, both get a boosted rate.

Share the wealth. Invite your friends to join Chip and get an additional 0.25% AER boost.

It’s simple. Refer a friend, get them to deposit at least £5,000 into their Chip Instant Access Account and hold the balance for 30 days.

You’ll both enjoy a boosted interest rate for 90 days.

It’s simple. Refer a friend, get them to deposit at least £5,000 into their Chip Instant Access Account and hold the balance for 30 days.

You’ll both enjoy a boosted interest rate for 90 days.

Invite your friends

Find the ‘Promos & Referrals’ tab in your app and share your referral code with your friends.

Deposit £5,000+

Your friend deposits at least £5,000 into an eligible account and holds their balance for 30 days.

Get your boost

You earn an additional 0.25% AER boost for 90 days on up to £250,000 in your eligible account.

What do I need to do?

Referring a friend is simple. All you need to do is open the app and take the following steps:

1
Go to the ‘Profile’ section

Once you’re in the Chip app, go to the ‘Profile’ section.

2
Find ‘Promos & Referrals’

Find ‘Promos & Referrals’, then follow the on-screen steps to generate your unique referral code.

3
There’s no limit

There’s no limit to the number of friends you can refer, so share this code with as many people as you like.

What do they need to do?

It’s free to open an account and after a quick check, they’ll be on their way in a few minutes:

1
Sign up using their referral code

First your friend will need to download the Chip app and sign up using the unique referral code you have kindly provided.

2
Deposit at least £5,000

They’ll need to make a deposit of at least £5,000 into their Chip Instant Access Account.

3
Hold the balance 30 days.

Lastly, they’ll need to hold at least £5,000 in their account for 30 days.

More the merrier

The more people you invite, the longer we’ll boost your rate. For example, refer two people and you’ll have your boost for 180 days, refer four and you’ll get your boosted rate for the best part of a year.

There’s no limit on how many people you can refer, so spread the word to your friends and family. For full T&Cs click here.

The 0.25% AER boost would be applied on top of your existing Chip Instant Access AER interest rate for 90 days, once you have met all the below requirements. In the event that the underlying Chip Instant Access Account AER interest rate changes, your total rate will also change accordingly.

Why Chip?

Chip is built for you. Powered by our extensive Chip community of over 500,000 users, we’ve built one place for saving and investing that makes building your wealth effortless. Learn more about the Chip app.

All in one app

Competitive rates, monthly prizes and investment funds.

Award-winning AI

Build your savings automatically using our award-winning AI. Charges may apply.

FSCS protected

All funds held in our partner bank accounts up to (£85,000, per customer, per bank) are protected by the Financial Services Compensation Scheme, subject to eligibility.

FAQs

You can find our full terms & conditions here.

Can I share my referral code more than once?

Yes you can! For everyone you successfully invite, we will boost your interest for a further 90 days, so start sharing the wealth.

How long until I will start accruing boosted interest?

You will start accruing interest at your boosted rate within one working day of all criteria being met, and the interest earned will be paid monthly as part of your regular interest payment.

How many people can I share my referral code with?

There is no limit. For every friend you successfully refer, you will get an additional 90-day AER boost, and your friend will also get their boost. So, if you refer two friends, your 0.25% boost will last for 180 days; refer three, and it will be 270 days.

Still have questions?