Chip referral: £50 after £1,000 held for 90 days — UK checklist
Join Chip through this referral link or with code CHIP-XWW289 by 23:59 on 31 October 2026 as a new customer, pay at least £1,000 into eligible Chip savings or investment accounts and keep at least £1,000 there for 90 consecutive calendar days. The £50 bonus goes into an open Chip Instant Access or Prize Savings Account; Easy Access and the Chip Pension don't count.
Read our full assessment →Quick answer
Use code CHIP-XWW289 for the Chip offer. New eligible customers can get £50 after meeting the requirement: Deposit at least £1,000 into eligible accounts and maintain at least £1,000 for 90 consecutive days. Last verified 2026-10-12.
- Reward
- £50
- Referral code
CHIP-XWW289- Last verified
- 2026-10-12
- Difficulty
- Medium
- Time to claim
- 10-15 minutes
- Time to payout
- After the 90-day hold the £50 goes into Instant Access (or Prize Savings); Chip's terms say a bonus is only paid out to you when you withdraw your full Chip balance, and it can then take up to 5 working days to reach your bank
CHIP-XWW289Ad / referral links — we may earn a bonus when you sign up.
How to claim
- By 23:59 on 31 October 2026, open the Chip referral link above, enter your email on Chip's referral page and download the app within 30 days.
- Sign up with the same email on app version 4.56.0 or later and complete the identity checks.
- Check code CHIP-XWW289 is applied; if you downloaded the app without the link, enter it yourself within 14 days of downloading.
- Deposit at least £1,000 into eligible Chip accounts (Smart Cash ISA, Instant Access, Prize Savings, Stocks & Shares ISA or General Investment Account); you can split it, but Easy Access and the Chip Pension don't count.
- Start the hold by day 30 and keep at least £1,000 for 90 consecutive calendar days, all within 120 days of being referred.
- The £50 goes into Instant Access (or Prize Savings). Chip's terms say a bonus is only paid out to you when you withdraw your full Chip balance, and it can then take up to 5 working days to reach your bank.
Eligibility & requirements
- New customer who has never held a Chip account, on app version 4.56.0 or later: 18 or over, UK resident, tax resident only in the UK and not a US person. One Chip account per person.
- The current promotion runs from 1 October to 23:59 on 31 October 2026; you get the promotion that's live when the code is applied to your account. Chip can change or end it at any time.
- Through this link, enter your email on Chip's referral page, download the app within 30 calendar days and sign up with the same email; if one email is entered for several referrals, only the most recent counts. Or enter code CHIP-XWW289 yourself within 14 calendar days of downloading the app.
- Deposit at least £1,000 into an eligible Chip Smart Cash ISA, Instant Access, Prize Savings, General Investment Account or Stocks & Shares ISA; Easy Access and the Chip Pension are excluded.
- Keep at least £1,000 for 90 consecutive calendar days; if the balance falls below £1,000, the holding clock restarts.
- Complete everything within 120 calendar days of being referred, including the 90-day hold, so the hold must start by day 30.
- Have an open Instant Access or Prize Savings Account for the £50 to be applied. It earns no Instant Access interest or Prize Savings draw entries.
- Chip's general terms say bonuses aren't FSCS protected, Chip can withhold a bonus even if you meet the advertised criteria, and a bonus is only paid to you when you withdraw your full Chip balance; it can then take up to 5 working days to reach your linked bank account. Chip can disqualify anyone it suspects of gaming the promotion.
Verification notes
- Minimum spend/deposit
- Deposit at least £1,000 into eligible accounts and maintain at least £1,000 for 90 consecutive days
- Last verified
- 12 October 2026
- Automated source check
- 15 September 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- Fixed £50 referral reward if the £1,000 balance and 90-day hold terms are met.
- Over the 90-day hold, the £50 is 5% of £1,000 on top of the savings interest.
- Referral code can be entered manually if the link does not apply it automatically.
- Good fit if you already planned to keep cash in an eligible savings product.
Watch out for
- £1,000 deposit is still a meaningful capital requirement compared with lighter app referrals.
- Money must be held for 90 consecutive calendar days, so this is not an instant payout offer.
- Only eligible Chip accounts count (not Easy Access or the Chip Pension), and the £50 earns nothing, isn't FSCS protected and only becomes cash when you withdraw your full Chip balance.
- Not worth doing solely for the bonus if the account rate, access, or protections do not suit your needs.
FAQ
- Can I split the £1,000?
- Yes, across the Smart Cash ISA, Instant Access, Prize Savings, the Stocks & Shares ISA and the General Investment Account, but the total must stay at £1,000 or more. Easy Access doesn't count.
- How long is the hold?
- At least 90 consecutive calendar days; a balance dip restarts the countdown, and the hold must start by day 30 to finish within 120 days.
- Can I withdraw the £50?
- Not as cash straight away. It lands in Instant Access (or Prize Savings) and earns no interest; Chip's terms say a bonus is only paid to you when you withdraw your full Chip balance, and it can then take up to 5 working days to reach your bank.
- Is Chip a bank?
- No. Chip says it is not a bank; savings and investment products have different risk and protection arrangements.
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Added 26 June 2026 · Last updated 12 October 2026. Offers and terms change frequently - always confirm on the provider's site before applying.