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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.
Accounts for rainy days, big days and later days
*4+ withdrawals in a rolling 12-month period will reduce your rate to the Reduced Easy Access Rate.
T&Cs, eligibility criteria and minimum average balance applies.
We’ve kept wealth building simple
The right tools to plan your future.
Your wealth, all in one view
See your savings alongside your investments and pension in one place. Track your progress, manage your allowances and stay in control, all in the Chip app.
Grow your money on autopilot
Deposit set amounts at a time to suit you, or let Chip analyse your income and spending and move money to savings automatically. Regular, intelligent, and building quietly in the background.
Set a life event. Make it happen
A first home, a wedding, a year off work to travel the world. Add whatever you're working towards as a life event in our Plan tab, then watch it become more of a reality with every top-up.
When investing, your capital is at risk.
Introducing: Wealth Tiers
We’ve made investing rewarding
Invest with Chip to qualify1
Reach £10k in eligible investments to unlock Silver
Start earning a higher Smart Cash ISA rate
1Eligible investments across Chip Stocks & Shares ISA, GIA or Pension. The Smart Cash ISA is provided by Chip Financial (Investments) Ltd. ISA limits apply, deposit up to £20k this tax year. Terms apply. Capital at risk. You should only invest in line with what you can afford, and in line with your risk preferences. Tax treatment depends on your individual circumstances and may change.
Meet your Wealth Agent
Wealth Agent turns your life events – a house deposit, uni fees, that Maldives cruise, into a personalised plan, using your actual finances instead of generic averages. It can even set up Autosaves to get you there faster (charges may apply).
'Am I on track for retirement?'
Checked against your own numbers.
"Can you help me set up a life event?"
Tell it what you're saving up for.
"How can I grow my money?"
See what could work for your situation.
Better rates, same protection
Trusted by over 400,000 people.
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.
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. 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.