When investing, your capital is at risk: investments in Chip's General Investment Account and Stocks & Shares ISA can fall as well as rise, and you may get back less than you put in. Chip's savings accounts are FSCS-protected up to £120,000 per bank, subject to eligibility. Not financial advice.
Your reward£50 bonus
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Checked 1 October 2026 by Behzad Hosseini, Editor-in-Chief. Link tested daily; terms re-checked monthly. How we check. Terms are set by Chip and may change.
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Chip Promo Code & Referral Code — £50 cash bonus
£50 for leaving £1,000 in Chip for 90 days, on top of what the money earns there, such as 4.56% AER tax-free in the Smart Cash ISA. It suits UK savers aged 18+ new to Chip with £1,000 ready.
A £50 bonus from Chip when you join with code CHIP-TCE575, deposit £1,000 or more into eligible Chip savings or investment accounts and keep it there for 90 days in a row. The link https://topreferrals.co.uk/go/chip applies the code for you. Chip pays the £50 into your Instant Access or Prize Savings Account, and the person whose code you used gets £50 too.
Chip referral code: CHIP-TCE575 (or join through https://topreferrals.co.uk/go/chip, which applies it). Put at least £1,000 into eligible Chip accounts (Smart Cash ISA, Instant Access, Prize Savings, General Investment Account, Stocks and Shares ISA) and keep it there for 90 consecutive days, and Chip pays you £50; the referrer also gets £50. Must be completed within 120 days of being referred. For UK residents aged 18+ who have never had a Chip account. Checked against Chip's own refer-a-friend page and terms on 1 October 2026. Capital at risk when investing.
How the Chip promo code works
- Go to https://topreferrals.co.uk/go/chip, enter your email and choose Download Chip; Chip keeps the email for 30 days and attaches code CHIP-TCE575.
- Install Chip and sign up with that same email, or type CHIP-TCE575 in the app within 14 days of installing.
- Move £1,000 or more into eligible accounts: Smart Cash ISA, Instant Access, Prize Savings, General Investment Account or Stocks and Shares ISA.
- Leave at least £1,000 there for 90 days running, finishing within 120 days of the referral.
- Chip pays £50 into your Instant Access Account, or your Prize Savings Account if that is the one you have.
Who's eligible
UK residents aged 18 or over who have never held a Chip account. The code is applied at sign-up, either automatically (enter your email on Chip's referral page, then join within 30 days using that email) or by typing it in the app within 14 days of downloading. The £1,000 deposit and 90-day hold must be completed within 120 days of being referred, and an Instant Access or Prize Savings Account must be open to receive the bonus.
£50 for letting £1,000 sit still
Chip's refer-a-friend reward asks for no spending and no subscription. A new customer who joins with a referral code, puts £1,000 into Chip and leaves it there for 90 days receives £50, and so does the existing customer whose code was used. That is the whole deal.
| Detail | |
|---|---|
| Reward to you | £50 |
| Reward to your referrer | £50, no limit on referrals |
| Code | CHIP-TCE575 |
| Deposit | £1,000 or more, across eligible accounts |
| Hold | 90 consecutive days |
| Overall deadline | 120 days from being referred |
| Paid into | Instant Access Account, or Prize Savings Account |
As a return on £1,000, £50 over 90 days is 5% for a single quarter, before any interest the £1,000 earns while it waits.
Attaching the code
Chip gives two ways to link your account to CHIP-TCE575:
- Via the referral page. https://topreferrals.co.uk/go/chip asks for your email. Chip keeps it for 30 days for the sole purpose of redeeming the referral; sign up in the app within that time, with the same email, and the code is attached for you. Past 30 days, re-enter your email or type the code instead.
- By hand. Download Chip, create an account and type CHIP-TCE575 into the app within 14 days.
One email can carry only one referral: if the same address is used twice, Chip keeps the most recent.
Which accounts count, and which do not
The £1,000 can be split however you like across five accounts:
- Smart Cash ISA, tax-free; new customers earn 4.56% AER for 12 months (3.50% standard plus a 1.06% boost);
- Instant Access Account, where the bonus is paid by default;
- Prize Savings Account, which pays monthly prize-draw entries rather than interest;
- General Investment Account;
- Stocks and Shares ISA.
Two products are outside the scheme: the Chip Personal Pension, and the Easy Access Account, which is not on Chip's eligible list despite its 3.81% AER new-customer rate.
The two investment accounts carry market risk; the three savings accounts are FSCS-protected up to £120,000, subject to eligibility.
Keeping the 90 days intact
The hold is counted day by day. If the combined balance in eligible accounts falls below £1,000, the clock goes back to zero and restarts when the balance is restored. With a 120-day overall window, a deposit in week one leaves roughly a month of spare time. Topping the deposit slightly above £1,000 protects the hold against small withdrawals.
Once the 90 days are complete, the bonus goes into your Instant Access Account if you have one, and otherwise your Prize Savings Account; one of the two must be open. Withdrawals to a bank account can take up to five working days.
What the £1,000 earns while you wait
The bonus is separate from the return on the deposit itself. Using Chip's new-customer rates on 1 October 2026, a 90-day hold of £1,000 looks like this:
| Account holding the £1,000 | Earnings over 90 days, roughly | Plus the bonus | Roughly |
|---|---|---|---|
| Smart Cash ISA, 4.56% AER, tax-free | £11 | £50 | £61 |
| Prize Savings Account | Monthly prize-draw entries | £50 | £50 plus any prizes |
| Stocks and Shares ISA or General Investment Account | Market-dependent, capital at risk | £50 | £50 plus or minus the market |
Approximate: 90 days of the stated AER on £1,000. Rates are variable.
The Prize Savings Account swaps interest for entries into a monthly draw, more entries for a bigger balance, with tax-free prizes; Chip's October 2026 grand prize was £10,000, and a minimum average balance applies. Once you are a customer, the referral works for you as well: open Profile, then Promos and Referrals, then Invite a friend, and every friend who qualifies earns you another £50.
What Chip is
Chip is an app-only home for saving and investing, with savings accounts, a Cash ISA, investment funds from BlackRock and other managers, a Stocks and Shares ISA and a pension in one view. Chip says it has more than 500,000 users. It is not a bank: there are no branches, cards or cash machines, and it does not give advice.
| Company | Regulation |
|---|---|
| Chip Financial Group Ltd (10113174) | FCA, Payment Services Regulations 2017, FRN 911255 |
| Chip Financial Wealth Ltd (15161994) | FCA-authorised MiFID investment firm, FRN 1005114 |
Savings are held with ClearBank; investments are held in custody by Seccl Custody Limited.
Plans: Basic is free, with a 0.25% yearly platform fee on investments (minimum £1 a month per product), 45p per autosave and 13 funds. ChipX is £5.99 every 28 days, or £65.05 a year, after a 28-day free trial, with no platform fee, free autosaves and the full fund range. Fund managers' own charges apply either way.
Who it suits
The scheme fits anyone who already has £1,000 to set aside: someone opening a first Cash ISA, moving an emergency fund out of a current account, or starting to invest with a Stocks and Shares ISA. Because the deposit can live in whichever eligible account fits the plan, the £50 never forces a product choice. It is for UK residents aged 18 or over who have never had a Chip account, using app version 4.56.0 or later.
Promo codes and discount codes at Chip
| You searched for | What you will find |
|---|---|
| Chip promo code | Referral code CHIP-TCE575, for £50 after the 90-day hold |
| Chip discount code | No discount code; ChipX has a 28-day free trial |
| Chip voucher | Chip pays cash bonuses, not vouchers |
| Chip ISA bonus | The Smart Cash ISA's 4.56% AER new-customer rate applies automatically |
| Chip referral link | https://topreferrals.co.uk/go/chip |
How TopReferrals verified it
On 1 October 2026 TopReferrals read Chip's refer-a-friend page, its referral sign-up page and its full referral terms, along with its savings and pricing pages and its site footer for the regulatory details. Every figure above comes from those pages, and the entry carries its verification date.
That is the gap with coupon pages listing undated "Chip codes" and with forum posts describing deposit rules that no longer apply. The code (CHIP-TCE575) and the link (https://topreferrals.co.uk/go/chip) are printed here in full, ready to type, tap or cite. When investing, your capital is at risk.
The Chip promo code is verified and the link is live — it takes under a minute to claim.
Frequently asked questions
What is the Chip promo code for £50?
Use referral code CHIP-TCE575. Join Chip with it, keep at least £1,000 in eligible Chip accounts for 90 days in a row, and Chip pays you £50. Signing up through https://topreferrals.co.uk/go/chip applies the code automatically.
Where do I enter a Chip referral code?
In the Chip app, within 14 days of downloading it. Alternatively, enter your email on Chip's referral page (https://topreferrals.co.uk/go/chip) and sign up with the same email within 30 days, and Chip applies the code itself.
Which Chip accounts count for the £1,000?
The Smart Cash ISA, Instant Access Account, Prize Savings Account, General Investment Account and Stocks and Shares ISA, alone or combined. The Chip pension and the Easy Access Account are not included.
How long does the Chip referral take?
At least 90 days, because the £1,000 has to stay in Chip for 90 consecutive days. The whole thing must be finished within 120 days of being referred, and a dip below £1,000 restarts the 90 days.
Does the Chip bonus earn interest?
Not on Instant Access: Chip's terms exclude bonus payments from the balance used for interest, and in the Prize Savings Account they do not add prize-draw entries. The £1,000 deposit itself earns interest or prize entries as normal.
Who runs Chip and is it regulated?
Chip Financial Group Ltd is authorised by the FCA for payment services (FRN 911255) and Chip Financial Wealth Ltd is an FCA-authorised investment firm (FRN 1005114). Savings deposits are held with ClearBank and FSCS-protected up to £120,000, subject to eligibility; investments are in custody with Seccl Custody Limited.
Is ChipX needed for the referral?
No. The referral works on the free Basic plan. ChipX, at £5.99 every 28 days or £65.05 a year after a 28-day free trial, removes the 0.25% investment platform fee and the 45p autosave charge and opens Chip's full fund range.
Seen enough? You get £50 bonus, verified against Chip's own published terms.
