New View our Smart Cash ISA New Customer OfferSmart Cash ISA New Customer Offer

Choose well.
Choose Chip.

The wealth app with great savings rates, carefully-curated investment funds at market prices, and your pensions all in one place.

When investing your capital is at risk.
18+ UK tax residents and app only.

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Earn 4.86% AER (variable tracker)

Smart Cash ISA

Tax-free interest1
Flexible ISA
Easy Access

New customers can earn 4.86% AER (variable tracker) for 12 months3

•

Then the standard rate of 3.50% AER

•

Earn interest tax-free1, calculated daily and paid monthly2

18+ UK tax resident & app only. T&Cs apply. Summary box

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²If you transfer out or close the Smart Cash ISA you will forfeit any unpaid interest.
1Chip does not provide tax advice. Tax treatment depends on individual circumstances and may be subject to change in the future.

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

34.86% AER (variable tracker). Comprised of an underlying standard AER of 3.50% (variable tracker), 3.45% gross (which tracks 0.30% under the Bank of England base rate), plus a 1.36% AER boost applied for 12 months from the day you open the account. Chip account required. The Smart Cash ISA is provided by Chip Financial (Investments) Ltd. ISA limits apply, deposit up to £20k this tax year.

Eligible savings are protected by the Financial Services Compensation Scheme up to £120,000 per person, per bank.
4.7★ on App Store
39K reviews
4.4★ on Google Play
6.82K reviews
Eligible savings are protected by the Financial Services Compensation Scheme up to £120,000 per person, per bank.
4.7★ on App Store
39K reviews
4.4★ on Google Play
6.82K reviews

Discover how Chip can help you achieve financial freedom

Smart Cash ISA

Tax-free interest1
Flexible ISA
Easy Access

New customers can earn 4.86% AER (variable tracker) for their first 12 months months

  • Made up of a 3.50% standard variable rate, plus a 1.36% new customer boost for 12 months
  • After 12 months, rate reverts to the standard 3.50% AER (variable tracker)
  • Interest is paid monthly
Summary Box
Learn more
¹Tax rules depend on individual circumstances and may change. 18+, UK tax resident & app only. T&Cs apply.
Powered by Chip Financial Wealth Ltd

Instant Access

Interest paid monthly
FSCS protection
Instant Access

New customers can earn 3.51% AER (variable tracker) for their first 12 months

  • Made up of a 3.00% standard variable rate, plus a 0.51% new customer boost for 12 months
  • After 12 months, rate reverts to the standard 3.00% AER (variable)
  • Interest is paid monthly
Summary Box
Learn more
Powered by
18+, UK tax resident & app only. T&Cs apply.

Easy Access

Interest paid monthly
FSCS protection
Easy Access

New customers can earn 3.81% AER (variable tracker) for their first 12 months

  • Made up of a 3.50% standard variable rate, plus a 0.31% new customer boost for 12 months
  • After 12 months, rate reverts to the standard 3.50% AER (variable)
  • Interest is paid monthly
  • Three penalty-free withdrawals in a 12 month period*
Summary Box
Learn more
Powered by
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.

Prize Savings Account

Entries based on balance
Tax-free prizes1
Easy Access

Win our £10,000 October grand prize

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

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

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.

Learn more
Powered by Seccl
¹Tax rules depend on individual circumstances and may change. T&Cs apply.

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.

Learn more
Powered by Chip Financial Wealth Ltd
¹Tax rules depend on individual circumstances and may change. T&Cs apply.
The Chip app showing a Financial Times article, on a phone resting on a red chairThe Chip app showing a Financial Times article, on a phone resting on a red chair

Make the climb to Silver tier

Reach £10,000 invested with Chip and your Smart Cash ISA rate rises by 0.20% AER. 18+, UK tax resident & app only. Opt-in required.

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Learn more

With investments, you capital is at risk.

Eligible investments: Stocks & Shares ISA, GIA or Personal Pension. +0.20% AER (variable tracker) applied on top of any active promotional boost to your entire Smart Cash ISA balance. The Smart Cash ISA is provided by Chip Financial (Investments) Ltd. ISA limits apply. T&Cs apply.

The Chip app showing a Financial Times article, on a phone resting on a red chairThe Chip app showing a Financial Times article, on a phone resting on a red chair

Read the Financial Times in your Chip App

Curated articles, refreshed every week. Free in the Discover tab.

Download app

The Financial Times Limited 2026, All Rights Reserved.

All commentary and opinions are those of independent FT journalists and experts, not those of Chip. Chip does not give financial advice.

The groundwork for good decisions

Know the wider picture, then your own numbers. Each one helps make sense of the other.

Finance plannerKnowledge hub

See where your money goes

Map your income, essentials and lifestyle spending in a few minutes, and get a clear picture of your month.

Start planning
Chip does not provide financial advice.

Knowledge hub

Wealth, well read

Guides on saving, investing and pensions, plus Financial Times articles in the Chip app.

Visit the knowledge hub
Chip does not provide financial advice.

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 protections

Trusted by over 400,000 people

Covered by FSCSBiometric securitySecure connectionsFraud monitoringInstant support

FSCS protected

All money deposited through Chip into any savings account is eligible for cover by the Financial Services Compensation Scheme (FSCS), subject to conditions and £120,000 per bank limits. Money in investment accounts is eligible for protection by the FSCS on balances up to £85,000.

Keeping your money safe

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.

Keeping your money safe

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.

Keeping your money safe

We’ve got your back

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

How we fight fraud

Help when you need it

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

Contact us

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You are covered up to £120,000 per bank. The Chip Cash ISA, Chip Instant Access, Easy Access Saver and Chip Prize Savings Account are powered by ClearBank meaning deposits across these accounts and any other accounts held with ClearBank would be eligible for a total of £120,000 of FSCS protection only. Eligible deposits in the Smart Cash ISA are FSCS protected up to £120,000 per person, per institution. Money in Chip investment accounts is eligible for protection by the FSCS on balances up to £85,000.

Tell us what you want to do

"I'm going to start Investing / Saving.

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This calculator has been created for illustrative purposes. The tool gives an indication on how long it will take to reach your savings goal based on the information given. This is only an estimate and should be used as such. Remember, it’s always important to do your own research when choosing the right account for your needs and financial situation. ‍

‍With investments, your capital is at risk. 

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!
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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?

Contact
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