Chip - Savings and Investments

Chip is here to make your life wealthy; we offer one simple, personalised experience to manage, and grow your wealth. That’s why we’ve been crowned ‘Best Personal Finance App’ in 2025, 2024, 2022, 2019 at the British Bank Awards.

• Start investing from £1 with our range of investment funds. Platform fees (0.25%) may apply.
• Build wealth tax-free with our Cash ISA and Stocks & Shares ISA.
• Track your entire investments and savings portfolio in one place.
• Set your financial goals, link an account and save for those milestone moments.
• Our smart AI features make investing and saving seamless.
• All savings accounts in Chip are eligible for FSCS protection on up to £120,000.
• UK-based customer support available 7 days a week.

Join over 400,000 users seeking to build a better financial future with Chip.

When investing, your capital is at risk. Tax treatment depends on individual circumstances and may be subject to change in the future. Chip does not provide tax or financial advice.

Build a diverse investment portfolio starting from £1:
• Invest in a Stocks & Shares ISA or a General Investment Account.

• Create a personalised portfolio with over 40 funds across global or regional indexes, thematics and commodities.
• Grow your investing knowledge with our guides, insights and tools.

The value of your investments can go down as well as up and you may get back less than your original investment.

Choose from a range of savings accounts designed for your goals:
• Open any of our savings accounts completely free within minutes.
• Earn competitive interest rates.
• All our savings accounts are FSCS protected subject to the scheme's rules.

Smart Cash ISA:
• Build your savings tax-free with a flexible cash ISA.
• Withdraw and redeposit whenever you need in the same tax-year.
• Request and track ISA transfers in-app, with on-hand support from our award-winning team.

Prize Savings Account:
• Win cash prizes just for saving by joining our monthly prize draw.
• We’ve already paid out over £1.25m across 66k+ prizes.
• More savings, more entries; you can deposit between £10 to £85k and have a chance of winning a share of £100,000. T&Cs, eligibility criteria and minimum average balance of £10 applies.

Chip Instant Access:
• Built to give you full flexibility and access.
• Earn a competitive interest rate.
• Deposit and withdraw almost instantly, as much as you like.

Chip Easy Access:
• Designed to keep your savings on track.
• Earn a competitive interest rate.
• Three penalty-free withdrawals in a 12 month period.

Build your wealth with Autosaves and recurring deposits
• Our Autosaving feature calculates what you can afford to save and invest based on your spending habits. 45p per save may apply.
• Set up seamless recurring deposits into your savings accounts or investment funds for hands-free wealth building.

About Chip:
• Chip Financial Group Ltd, authorised and regulated by the FCA (FRN: 911255) for payment services.
• Chip Financial Wealth Ltd is authorised and regulated by the FCA (FRN: 1005114) as a MiFID investment firm.
• Chip Financial Wealth Ltd offers the Smart Cash ISA, General Investments Accounts, the Stocks & Shares ISA and the Chip Personal Pension.
• ClearBank Limited is the account provider for your Chip Instant Access Account, Chip Prize Savings Account, and Chip Cash ISA.