New tax year, new ISA! Meet our Smart Cash ISA, Learn more
Closed to new customers

Chip Cash ISA

Please note this is now closed to new customers.

Instant deposits and withdrawals. All interest earned is tax-free1

Flexible: withdraw without impacting your annual ISA allowance

1Chip does not provide tax advice. Tax treatment depends on individual circumstances and may be subject to change in the future.

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SeeTerms and Conditions. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year
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Eligible deposits are protected under Financial Services Compensation Scheme up to £120,000.

Important changes to our Chip Cash ISA

Interest on the Chip Cash ISA is changing, the Smart Cash ISA is our new Cash ISA with monthly interest.

Learn more

Everything a savings account should be

However you choose to save, every Chip savings account keeps your money accessible and protects it up to £120,000 per bank.

Smart Cash ISA

Tax-free interest1
Flexible ISA
Instant Access

New customers can earn 4.55% AER (variable tracker):

  • Standard rate of 3.75% AER / 3.69% gross (variable tracker)
  • Boost rate of 0.80% AER for 12 months from account open

Additional information:

  • Interest is paid monthly and the rate is variable
  • Tracks 0.06% under the Bank of England base rate
Learn more
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Instant Access

Interest paid monthly
FSCS protection
Instant Access

New customers can earn 3.51% AER (variable tracker):

  • Standard rate of 3.00% AER / 2.96% gross
  • Boost rate of 0.51% AER for 12 months from account open

Additional information:

  • Interest is paid monthly and the rate is variable
  • Tracks 0.79% under the Bank of England base rate
Learn more
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Easy Access

Interest paid monthly
FSCS protection
Instant Access

New customers can earn 3.81% AER (variable tracker):

  • Standard rate of 3.50% AER / 3.45% gross
  • Boost rate of 0.31% AER for 12 months from account open

Additional information:

  • Interest is paid monthly and the rate is variable
  • Tracks 0.30% under the Bank of England base rate.
  • Three penalty-free withdrawals in a 12 month period
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Prize Savings Account

Entries based on balance
Tax-free prizes1
Instant Access

Win our £10,000 August grand prize

Instead of earning interest on your savings, they count towards entries in our monthly prize draw where you can win multiple prizes.

Eligibility, T&Cs and minimum average balance apply.

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Individual T&Cs and eligibility criteria apply for each of these accounts.

1Tax treatment depends on individual circumstances and may be subject to change in the future.

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