Chip – Savings and Investments

Chip is here to make your life wealthy — we offer one simple, personalised experience to manage, grow and protect 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 simple range of investment funds.
* Build wealth tax-free with our Cash ISA and Stocks & Shares ISA.
* Track your investments and savings portfolio in one place.
* Set your financial goals and save for those milestone moments.
* Smart AI features make investing and saving seamless.
* Accounts are eligible for FSCS protection on up to £85,000.
* Earn rewards for every referral (T&Cs apply).
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.
* Selected for you: Choose from three simple options tailored to your risk level and enjoy hands-off investing — managed by the experts at BlackRock.
* Do it yourself: Create a personalised portfolio choosing from over 40 funds across global or regional indexes, thematics, commodities and more.
* 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.
* Earn highly competitive (often market-leading) interest rates.
* All our savings accounts are covered by the FSCS — where the government guarantees the return of up to £85,000.
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.
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 £100 to £85k and have a chance of winning a share of £75k.
T&Cs and eligibility criteria apply.
Chip Instant Access:
* Built to give you full flexibility and access.
* Deposit and withdraw almost instantly, as much as you like.
Chip Easy Access:
* Designed to keep your savings on track.
* Earn a highly competitive (often market-leading) interest rate.
* Three penalty-free withdrawals in a 12 month period.
Build your wealth with smart Autosaves and recurring deposits features
* Our Autosaving feature calculates what you can afford to save and invest based on your spending habits. Charges may apply.
* Set up seamless recurring deposits for hands-free wealth building.
* You’re in control — turn Autosaves and recurring deposits on and off with ease.
Support and security as standard:
* We provide the highest level of industry standard encryption, 3D Secure and Open Banking technology.
* UK-based customer support available 7 days a week.
Everything else:
* Seccl Custody Limited is the ISA Manager for the Chip Stocks and Shares ISA. Fund management charges apply, ISA limits apply. Invest £20k per tax year.
* The Prize Savings Account is an account and prize draw offered and managed by Chip. ClearBank is responsible for only the provision of the account and holding your funds which are FSCS protected (subject to eligibility).
* Savings: Chip is a trading name of Chip Financial Ltd, authorised and regulated by the FCA (FRN: 911255). ClearBank Limited is the account provider for your Chip Instant Access Account, Chip Prize Savings Account, and Chip Cash ISA.
* Chip Financial (Investments) Ltd is authorised and regulated by the Financial Conduct Authority, under firm reference number 1005114.