Exclusive offer for Political Currency listeners.
For your first £10,000 deposited into Chip, you'll receive a Fortnum & Mason Wine Quartet Wicker hamper after holding it for 90 days before 23:59 20 March 2026. Start building your wealth with Chip.
How to redeem:
Download the Chip app and enter the code PODCAST in the Promos & Referrals section of the app
Deposit your first £10,000 into Chip, which can be split across multiple Chip Savings and Investment Accounts, before 23:59 20 March 2026
Hold your minimum £10,000 balance for 90 consecutive days
The Fortnum & Mason hamper will be sent to the address linked to your Chip account
T&Cs apply You must be a new Chip customer, over 18, and a UK tax resident. Chip is app only. Subject to availability, if hamper stock has run out we will issue digital voucher cards of equivalent value (£100). By entering the promo code, you are consenting for your personal information to be shared with Fortnum and Mason for the distribution of the hampers. Please drink responsibly. Chip Financial Ltd are the promoters of this offer and any enquiries about this promotion should be directed to Chip customer service (via the in-app contact section). The Fortnum's Wine Quartet Wicker hampers will be ordered on 22 June 2026, please allow up to 7-10 day working days for this to be delivered to the address linked to your Chip account
Join 400,000+ people building real wealth.
Meet Chip,
your wealth app.
One place to save, invest and grow your money.
Let's talk money...
Discover how Chip can help you achieve financial freedom.
We’ve built Chip to fit around you. Your goals, your pace, your plan. Your financial wealth app.
Saving
Saving made easy
Simple easy-access accounts, and a way to win prizes.
Saving with Chip
Multiple savings accounts designed for your financial goals.
Chip Cash ISA
Flexible saving, your account can be opened in minutes.
Prize Savings Account
A savings account with our monthly prize draw.
Wealth building tools
Learn more about savings with our financial tools.
Tax treatment depends on individual circumstances and may be subject to change in the future.
Investing
Investing that's simple
No jargon. No stress. Just simple, smart investing.
Investing with Chip
Build your wealth without the stress, investing made simple.
Chip Stocks & Shares ISA
Flexible investing, your account can be open in minutes.
All of our investment funds
Curated funds from leading managers, hand-picked by us.
Investing guides
Kickstart your investing journey with confidence.
Tax treatment depends on individual circumstances and may be subject to change in the future. With investments, your capital is at risk.
Better rates, same protection
Trusted by over 400,000 people.
Powered by ClearBank
All money deposited into a savings or investment account through Chip and any other account held with ClearBank is eligible for cover by the Financial Services Compensation Scheme (FSCS), subject to FSCS conditions.
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.
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.
We’ve got your back
Our systems continuously monitor for suspicious activity, helping keep your account protected from fraudsters.
Help when you need it
Our UK-based customer support team is just a message away, ready to help whenever you need it.
You are covered up to £120,000 per bank whether your deposits are made via Chip or not. Chip savings accounts are powered by our partner bank ClearBank, a UK authorised bank. This means deposits held across the Chip Cash ISA, Chip Instant Access, Easy Access Saver and Chip Prize Savings Account would be eligible for a total of £120,000 of FSCS protection only.
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.
Got a question?
Here are some common questions we get asked by new Chip customers.
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.
- Download the app: Get the Chip app from the App Store or Google Play Store.
- Create an account: Follow the simple in-app steps to enter your details and pass a quick security check.
- Connect your bank: We use Open Banking to securely connect to your UK bank account. This allows you to make instant deposits and withdrawals.
- You're ready: Once connected, you can immediately choose a savings account or investment fund to start building your wealth.
- Connect your bank: We use Open Banking to securely connect to your UK bank account. This allows you to make instant deposits and withdrawals.
- Choose an account: We offer a Stocks and Shares ISA and General Investment Account (GIA).
- Start investing: Choose from our ready-made funds or build your portfolio from over 40 curated investment funds.
For more information on our investment fees, see our pricing page.
- 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.
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.
To check for yourself:
- Go to the official FCA Register website.
- In the search bar, enter either "Chip Financial Ltd" or our FRN "911255".
- You will see our official entry, confirming that we are an authorised firm.
As the operating entity, Chip Financial Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 911255.
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.