If you are having difficulties depositing funds, there could be a few reasons as to why this is happening.

Has your bank flagged your deposit for fraud?

Some banks may flag multiple bank transfers for suspected fraud. If this is the case, please ask your bank to cancel the transaction and complete any required checks on your bank's side. You can then initiate another deposit through the app.

If your bank reprocesses the payment before you've had a chance to cancel it, please let us know so that we can return the funds to you.

Have you reached your bank's deposit limit for connected bank transfers?

Has the deposit definitely come from the bank account you have linked to Chip?

You will only be able to make a deposit via manual bank transfer if your account is linked via open banking. You can check the linked account in the Profile tab. You won't be able to make deposits from any other account.

Will the deposit take you over your account limits?

The deposit limit is £1 million for the Chip Instant Access Account and £85,000 each for the Chip Easy Access Account, Prize Savings Account and Chip Cash ISA. It's worth checking your deposit isn't going to take you over the deposit limit.

Has your bank connection dropped?

When you link your account via open banking, the connection lasts for 90 days before it needs to be re-authenticated. You will receive a notification when this is due to be reauthenticated, however, you can check your bank connection hasn't dropped in the Profile tab.

Has your debit card expired or is it close to expiry? Or have you had a new card issued and perhaps not updated the details with Chip?

If any of the above applies, you won't be able to deposit until your new debit card has been added. Please reach out to the customer service team and we can remove your old card.
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​Is your bank blocking the transaction?
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Sometimes larger card transactions are declined by your bank or flagged for additional checks (especially if you're a new user!). Please verify this is not the case with your bank directly.
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​Have you tried multiple deposit attempts today?
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This could be a result of the previously mentioned issues, or a technical problem - meaning you may have made multiple failed deposit attempts in a 24 hour period. A high number of failed attempts will mean further attempts will be blocked so if you have been unsuccessful please allow 24 hours before trying again (a full 24 hours must pass, not just after midnight the following day).
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​Have you been asked to verify your identity or asked for additional documentation?
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You may have to provide these documents before being allowed to deposit funds with Chip. Please check your email or in-app messages to see if these are required. If you are unsure, please drop the team a message and we'll be able to tell you.
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​Are you outside of the UK or using a VPN?

We are not able to accept deposits from certain countries outside of the UK, please check with the team if you are overseas. If you have a VPN (virtual private network) enabled please disable it and try again.
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​None of the above?
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If you're still having trouble after checking all of the above, our support team will be happy to look into this further for you. You can reach out to us via email at hello@getchip.uk or via the in-app chat (which can be found in the Contact Us section in the Profile tab) letting us know as much detail as possible to help us diagnose what's going wrong. It would be really helpful if you could let us know the following when you reach out:
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• Who do you bank with
• What mobile device (make and model) are you using
• What iOS or Android version you're using
• Which Chip app version you're on (we always recommend being on the latest version)
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Screenshots and videos of the problem will also help us find a solution more quickly.

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