We're pleased to be able to offer a wide range of accounts to choose from. Before you decide which is right for you, allow us to lay out the facts...

The Chip Instant Access account is a savings account with a tracker rate. This means the gross interest rate is variable and tracks at 0.51% below the current Bank of England base rate.

This account offers compounding interest that accrues daily and is paid monthly on the fourth working day of the month.

This account provides near-instant deposits and withdrawals and offers 4.84% AER (Variable), paid on the entire balance up to £1 million. All this while the funds you deposit are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000*.

The Chip Cash ISA is a tax-efficient ISA that has a tracker rate. This means the gross interest rate is variable and tracks at 0.26% below the current Bank of England base rate. The Chip Cash ISA is free to open, has a maximum balance of £85,000 and offers FSCS protection* through our partners at ClearBank.

This account provides near-instant deposits and withdrawals and offers 5.10% AER (Variable).

*Please note that the £85,000 FSCS-protected amount is shared across the Chip Cash ISA, Chip Instant Access Account, Prize Savings Account and any other account you hold with ClearBank.

This account offers compounding interest that accrues daily and is paid monthly on the fourth working day of the month.

Our Prize Savings account gives users the chance to win up to £10,000 every month, free of charge. Simply by holding an average monthly balance of over £100, every £10 you deposit will be classed as an entry into our prize draw. Along with the £10K grand prize, we will have hundreds of winners of smaller prizes from £10 and up. Winners are randomly selected within a week of the end of the month. Your balance is available to withdraw at any time without penalty, but entries are only made based on held balance.

This account is free to open and has a maximum balance of £85,000 and offers FSCS protection* through our partners at ClearBank.

T&Cs, eligibility criteria and minimum average balance of £100 applies. For current prize values, entry and eligibility criteria and how to opt-out see our full terms.

*Please note that the £85,000 FSCS-protected amount is shared between the Chip Cash ISA, Chip Instant Access Account and the Prize Savings Account.

We no longer offer the following accounts to new users, but some longstanding Chip users might have any of the following accounts:

If you need help with any of these accounts, please contact us via the profile tab in the app or by emailing us at hello@getchip.uk.

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