You can withdraw at any time, so long as your money has finished clearing into your selected account and you have linked your bank account to Chip. You can find more information about deposit processing times here.

To withdraw, just head to the relevant account in the Savings or Invest tab. Once you've selected it, you'll see the option to withdraw at the top. Once you've entered the amount and confirmed the withdrawal, you will receive confirmation in the app and via email if the withdrawal was successful.

Processing times are dependent on the account you withdraw from. The full timescales are as shown below:

NOTE: Bonus funds and Prize Savings Account prizes awarded by Chip are processed separately from your own savings and can only be withdrawn along with your entire balance.

When bonus funds make up part of your withdrawal, they will arrive as a separate transaction from the rest of your withdrawn funds.

Bonus funds can take up to 5 working days to reach you, as they are held in a separate place. However, these will usually arrive in your linked account within 48 hours.

If you're having difficulty withdrawing from your balance, this is most commonly due to the lack of a bank connection (you can check this at the top of the profile tab).

Please reach out to us either via the "contact us" section of the profile tab or by emailing us at hello@getchip.uk.