Offer at a glance

1. Deposit at least £1 into your Chip Instant Access Account for a 0.95% AER boost;

2. Enter the rate boost promo code: RETURN;

3. You will receive a rate boost on your Chip Instant Access Account of 0.95% AER for 6 months (beginning as soon as you meet the eligibility criteria).

4. This will take your Chip Instant Access Account rate to 4.45% AER (variable tracker).

Find out more what tracker rates are and how they work at Chip here: www.getchip.uk/the-blog/tracker-rates-and-the-bank-of-england-base-rate-explained

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Eligibility criteria (who you need to be)

- You must be an existing Chip customer.

- You must not have held any funds in any Chip savings account continuously for a three month period up to 26 January 2025.

- You must deposit a minimum of £1 into your Chip Instant Access Account at any time from 27 January 2025 onwards.

- You must be on at least version 4.56.0 of the Chip app.

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How to qualify (what you need to do)

1. Head to the Profile > Promos & Referrals > Enter a code section of the app

2. Enter the promo code: RETURN;

3. Deposit a minimum of £1 into your Chip Instant Access Account.

4. Receive a 0.95% AER boosted rate for 6 months.

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How and when you’ll be rewarded

If you meet the eligibility criteria and perform the qualifying actions outlined above;

- The 0.95% AER boost will be applied on top of your Chip Instant Access account AER interest rate for 6 months when you have met all the above eligibility requirements. In the event that the Chip Instant Access account tracker rate changes, your total rate will also change accordingly.

- The boosted rate will be applied on the balance you hold in the Chip Instant Access account each day.

- The interest earned from your boosted rate is paid monthly as part of your regular monthly interest payment (4th business day).

- When your boosted rate expires it will return to the existing Chip Instant Access account basic interest rate.

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General

‍With all Chip promotion campaigns, you must be over 18 years old and be a resident of the United Kingdom, in order to participate.

This promotion cannot be used in conjunction with any other promotional or referral offers. For referral promotions referring multiple users will not increase the AER but will increase the length the boosted rate is applied to your account for. If you have previously received a boosted rate from being referred or a promotion, you will receive the boosted rate following the completion of your previous boosted rate.

Any Chip promotion is also subject to the eligibility requirements of a Chip account, which can be found in Section 4 of our Terms of Use.

If Chip has grounds to suspect any entrant or third party of gaming, deception or fraudulent or unreasonable conduct of any kind (including, without limitation, manipulating promo codes) or if Chip believes the promotion is being abused in any way, Chip reserves the right (in its sole discretion) to disqualify any promo code or person it reasonably believes to be responsible for, or associated with, such activity and/or refuse to apply any promotion.‍

‍Chip reserves the right to modify or terminate the Boosted Rate Promotion at any time. For any user whom the boosted rate promotion has been applied, Chip will provide 14 days notice to modify or terminate the promotion.

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