The pension that knows when you want to retire.

With LifePath funds managed by BlackRock. Built around you.

Most of us have pensions from old jobs, invested in who knows what, and who knows where. But we can change that. With Chip's personal pension, we’ve made it simple to bring them all here, invested in one fund that’s set to your retirement age1.

Capital at risk. T&Cs apply.

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Discover how Chip can help you achieve financial freedom

Smart Cash ISA

Tax-free interest1
Flexible ISA
Easy Access

New customers can earn 4.72% AER (variable tracker) for their first 12 months months

  • Made up of a 3.76% standard variable rate, plus a 0.96% new customer boost for 12 months
  • After 12 months, rate reverts to the standard 3.76% AER (variable tracker)
  • Interest is paid monthly
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¹Tax rules depend on individual circumstances and may change. 18+, UK tax resident & app only. T&Cs apply.
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Stocks & Shares ISA

Tax-free returns1
Curated funds
£20,000 allowance

Deposit up to £20,000 with tax-free returns1


Open a Stocks & Shares ISA and grow your money tax-free1 with a range of curated funds from the biggest asset managers in the world.


When investing, your capital is at risk.

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¹Tax rules depend on individual circumstances and may change. T&Cs apply.

Prize Savings Account

Entries based on balance
Tax-free prizes1
Easy Access

Win our £10,000 November grand prize

Instead of earning interest, your deposits earn entries into our monthly prize draw, with a chance to win multiple prizes.

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¹Tax rules depend on individual circumstances and may change.
‍T&Cs, eligibility criteria and minimum average balance applies.

Personal Pension

25% tax top up1
Tailored
Transfer pensions

The pension that knows when you want to retire


Combine your old pension pots to see your retirement clearly, invested in one smart fund that automatically adjusts as you get closer to retirement.


When you invest in a pension the value of your investments can go down as well as up.

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¹Tax rules depend on individual circumstances and may change. T&Cs apply.

Instant Access

Interest paid monthly
FSCS protection
Instant Access

Earn a standard rate of 3.26% AER / 3.21% gross (variable tracker)

Additional information:

  • Interest is paid monthly
  • Tracks 0.79% under the Bank of England base rate
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18+, UK tax resident & app only. T&Cs apply.

Easy Access

Interest paid monthly
FSCS protection
Easy Access

Earn a standard rate of 3.76% AER / 3.70% gross (variable tracker)

  • Interest is paid monthly
  • Tracks 0.30% under the Bank of England base rate
  • Three penalty-free withdrawals in a 12 month period
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18+, UK tax resident & app only T&Cs apply.
*4+ withdrawals in a rolling 12-month period will reduce your rate to the Reduced Easy Access Rate.