Offer at a glance

• The offer begins on 6 April 2026 and ends at 23:59 (British Summer Time) on 30 April 2026.

• A one year rate boost is available on the Smart Cash ISA. Depending on the amount you deposit into any Chip ISA during the offer period, the Smart Cash ISA rate can increase to up to 4.50% AER (variable tracker) for one year¹.

• To be eligible for one of the following boost tiers you must open a Smart Cash ISA and either;
  
  • Use your full annual ISA allowance with Chip; 
    
    • Use half your annual ISA allowance with Chip;
      
      • If you deposit at least £10,000 across any Chip ISA, you can;
      • unlock a 0.25% AER boost for one year, this will; 
      • take your Smart Cash ISA rate to 4.00% AER (variable tracker)¹.
• deposit at least £20,000 across any Chip ISA, you can;

• unlock a 0.75% AER boost for one year, this will; 
• take your Smart Cash ISA rate to 4.50% AER (variable tracker)¹. Or; 

• This boost is only paid on your first £20,000 of balance in your Smart Cash ISA.

• Deposits need to be initiated before 23:59 on 30 April 2026.

• Only new deposits in this tax year (2026/27 ISA subscriptions) into a Chip ISA qualify.
  

• All Chip ISAs are included in this offer (Chip Cash ISA, Smart Cash ISA, Stocks & Shares ISA) and you can deposit any amount in any combination to reach either the 0.75% or 0.25% boost tier. 

• You can only receive one of these boosts. 
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1 - This rate is based on the current Chip Smart Cash ISA standard rate of 3.75% (variable tracker) as of  6 April 2026. The Smart Cash ISA rate is a Bank of England base rate tracker.  

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Eligibility Criteria (who you need to be)

• This promotion is available to all qualifying Chip customers and is open to both new and existing customers.

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Qualifying actions (what you need to do)

• If you do not already have an open Smart Cash ISA, you will need to open one before 23:59 30 April 2026 in order to receive your rate boost. 

• Make at least £20,000 of qualifying deposits into any Chip ISA (Chip Cash ISA, Smart Cash ISA, Stocks & Shares ISA), to;
  
  • unlock a 0.75% AER boost for one year, this will; 
  • take your Smart Cash ISA rate to 4.50% AER (variable tracker).

• Make at least £10,000 of qualifying deposits into any Chip ISA (Chip Cash ISA, Smart Cash ISA, Stocks & Shares ISA), to;
  
  • unlock a 0.25% AER boost for one year, this will; 
  • take your Smart Cash ISA rate to 4.00% AER (variable tracker).
    
• Deposits need to be initiated before 23:59 on 30 April 2026.

• Only new deposits in this tax year (2026/27 ISA subscriptions) into a Chip ISA qualify.
  
  • This does not include interest payments or investment growth. 
  • This does not include subscriptions from previous tax years that are transferred in from another provider.
• Any settled withdrawals from any Chip ISA made before 23:59 on 30 April 2026 will be deducted from your qualifying deposits.

• You can deposit into all Chip ISAs to (Chip Cash ISA, Smart Cash ISA, Stocks & Shares ISA) and you can deposit any amount in any combination to reach either the 0.75% or 0.25% boost tier. 

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How and when you’ll be rewarded

• If you meet the eligibility criteria and perform the qualifying actions, we'll automatically apply your rate boost on 1 May 2026

• You can only receive one rate boost (i.e. the 0.75% boost will not stack on top of the 0.25% boost). 

• Your rate boost is only paid on your first £20,000 of balance in your Smart Cash ISA. Any balance over that amount will earn a standard rate of 3.75% AER (variable tracker).
  
  • For example, if you have £50,000 in your Smart Cash ISA, the first £20,000 will earn the boosted rate, and the remaining £30,000 will earn the Smart Cash ISA standard variable rate.
• Your rate boosts will last for 365 calendar days (12 months) from 1 May 2026, after this, your rate will revert to the Chip Smart Cash ISA standard variable rate – currently 3.75% AER (variable).

• Please note that the Smart Cash ISA calculates interest daily, and pays interest annually on the anniversary of the opening of your Smart Cash ISA.

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General

• The Smart Cash ISA Standard Rate is variable and tracks the Bank of England base rate.

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

• If Chip has grounds to suspect any user, or associated third party of abusing the promotion in any capacity, Chip reserves the right (in its sole discretion) to disqualify any person it reasonably believes to be responsible for, or associated with, such activity and/or refuse to pay any bonus.

• 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. Also see our Privacy Notice for information on how we use your data.

• ‍‍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.