Chip Referral Code 2026: Get a £50 Savings Bonus
Use our verified Chip referral code CHIP-TCE575 to open a new UK Chip account and get £50 after depositing at least £1,000 into an eligible Chip savings, ISA or investment account and holding that balance for 90 consecutive days.
- £50 bonus paid into your Chip Instant Access or Prize Savings Account
- £1,000 deposit, held for 90 consecutive days
- Deposit can be split across ISAs, savings and investment accounts
- FCA-authorised; savings deposits FSCS-protected via ClearBank
1. How to Claim Your £50 Chip Bonus
Sign-up takes about 10 minutes. The thing most people get wrong: you must onboard with exactly the same email address you entered on the referral page, otherwise the referral won't attach to your account.
Open our referral link (getchip.uk/get-your-boost?code=CHIP-TCE575), enter your email address and tap “Download Chip”. Chip stores the code CHIP-TCE575 against that email.
Install the Chip app (version 4.56.0 or later) within 30 calendar days of entering your email, and set up your new account using the same email address. Chip applies the referral code for you at this stage.
Already downloaded Chip? You can enter the code CHIP-TCE575 manually in the app within 14 calendar days of downloading it — Profile → Promos and Referrals.
Fund any eligible Chip account with £1,000 or more. You can split it across multiple Chip savings and/or investment accounts — it's the combined balance that counts.
Keep at least £1,000 in eligible accounts for 90 consecutive calendar days. You have 120 days in total from being referred to meet every requirement, including the holding period.
Once the criteria are met, £50 is paid into your Chip Instant Access Account automatically — or into your Prize Savings Account if you don't have an Instant Access Account open.
The single biggest reason people miss this bonus is the balance dipping under £1,000 — if it does, the 90-day countdown restarts from zero. Deposit around £1,050–£1,100 instead of exactly £1,000 so a stray withdrawal, fee or investment price movement can't drop you below the threshold. Also make sure you have an Instant Access Account or Prize Savings Account open before the 90 days end — Chip can only pay the £50 into one of those two accounts.
3. Which Chip Accounts Count Towards the £1,000?
Your £1,000 can be split across any combination of these eligible Chip accounts:
4. Eligibility Requirements
5. Key Terms & Conditions
6. About Chip (2026)
Chip is a UK savings and investing app that brings easy-access savings, cash ISAs, a prize-draw savings account and investment accounts into a single app. It's a trading name of Chip Financial Ltd, authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (firm reference number 911255).
Savings deposits held in Chip savings accounts are powered by ClearBank and covered by the Financial Services Compensation Scheme (FSCS), subject to eligibility — the FSCS limit applies per person, per UK banking licence. Investing is provided by Chip Financial (Investments) Ltd (FCA firm reference number 1005114), with assets held by Seccl Custody Limited. When investing, your capital is at risk.
The core Chip line-up: the Instant Access Account for everyday savings, the Cash ISA and Smart Cash ISA for tax-free saving, the Prize Savings Account which swaps interest for entries into a monthly prize draw, plus a General Investment Account, Stocks and Shares ISA and a Chip Pension for long-term investing. Rates and prize-draw details change, so always check the current figures in the Chip app before depositing.
Because the referral requires £1,000 held for 90 days, Chip suits savers who already have an emergency fund or lump sum sitting in a low-interest current account — the £50 comes on top of whatever interest or prize entries the account itself earns.
7. Chip vs Other UK Money-App Bonuses
Chip's £50 is one of the largest no-credit-check money-app bonuses in the UK right now, but it asks for real money to sit still for three months. Here's the trade-off:
| App | Bonus | Requirement | Effort |
|---|---|---|---|
| Chip | £50 | £1,000 held for 90 days | Medium — money must stay put |
| Monzo | £10 | One card payment | Very low — minutes |
| Trading 212 | Free share (up to £100) | Make a deposit | Low — capital at risk |
| Wise | £15 fee credit | Sign up via link | Very low |
Sensible 2026 play: park an existing £1,000 emergency fund in the Chip Instant Access Account or Cash ISA for the £50, then stack the quick wins — Monzo, Trading 212 and Wise — while the 90 days run down.
8. Chip is best for you if…
- You have £1,000+ that can sit untouched for three months
- You want savings, a Cash ISA and investments in one app
- You like the idea of a monthly prize draw via Prize Savings
- You'd rather earn a bonus than switch your main current account
Skip it if…
- You've held a Chip account before — you won't qualify
- You might need the £1,000 back within 90 days
- You only want the bonus in the pension — pension deposits don't count
- You want an instant reward — this one takes at least 90 days
9. Source Documentation & Verification
This offer was last verified in July 2026. Here's exactly how we check it:
- Open the Chip referral link from a logged-out browser and confirm code CHIP-TCE575 attaches to the email entered.
- Cross-check the £50 reward, £1,000 deposit, 90-day holding period and 120-day window against Chip's official Refer a Friend Terms & Conditions.
- Confirm Chip Financial Ltd (FRN 911255) is still authorised on the FCA register.
- Re-verify monthly, and immediately whenever a reader reports a discrepancy.
- • Chip Refer a Friend Terms & Conditions (referral promotion 28 July – 10 August 2026)
- • getchip.uk — account line-up, FSCS and regulatory disclosures
- • FSCS deposit protection page
- • BonusBlueprint referral-link testing, July 2026
10. Frequently Asked Questions
Frequently asked questions
What is the Chip referral code for 2026?
The current verified Chip referral code is CHIP-TCE575, applied automatically when you sign up via https://www.getchip.uk/get-your-boost?code=CHIP-TCE575&name=Ehsan. New UK Chip customers receive a £50 bonus after depositing at least £1,000 into an eligible Chip account and holding that balance for 90 consecutive days.
How do I get the £50 Chip bonus?
Open the referral link (https://www.getchip.uk/get-your-boost?code=CHIP-TCE575&name=Ehsan), enter your email address and tap "Download Chip". Install the Chip app within 30 days and sign up as a new customer using the same email address — the referral code CHIP-TCE575 is then applied for you. Deposit at least £1,000 into an eligible Chip account and keep the balance at £1,000 or above for 90 consecutive days. The £50 is paid into your Chip Instant Access Account (or Prize Savings Account if you don't have one).
Which Chip accounts count towards the £1,000 deposit?
Eligible Chip accounts are the Chip Cash ISA, Chip Smart Cash ISA, Chip Instant Access Account, Prize Savings Account, General Investment Account and Stocks and Shares ISA. The £1,000 can be split across multiple savings and/or investment accounts. The Chip Pension does not count towards the referral.
How long does the Chip referral bonus take to arrive?
You must hold a minimum £1,000 balance for 90 consecutive calendar days, and you have 120 calendar days from being referred to meet all the criteria. The £50 is credited to your Chip Instant Access Account or Prize Savings Account once the 90-day holding period completes and all requirements are met.
What happens if my Chip balance drops below £1,000?
The 90-day holding countdown restarts from zero. If your combined eligible balance falls below £1,000 at any point, the clock resets once you top back up to £1,000 — so leave a small buffer above the threshold and don't withdraw during the qualifying period.
Can I enter the Chip referral code after downloading the app?
Yes. If you've already installed Chip, you can enter the code CHIP-TCE575 manually within 14 calendar days of downloading the app. If you use the referral link first, sign up within 30 days using the same email address you entered on the referral page and the code is applied for you automatically.
Who is eligible for the Chip £50 referral bonus?
UK residents aged 18 or over who are brand-new Chip customers — someone who has never previously held a Chip account. You need to sign up on Chip app version 4.56.0 or later, and you must have an open Chip Instant Access Account or Prize Savings Account for the bonus to be paid.
Is Chip safe and FSCS-protected?
Chip is a trading name of Chip Financial Ltd, authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (firm reference number 911255). Savings deposits held in Chip savings accounts are powered by ClearBank and covered by the Financial Services Compensation Scheme, subject to eligibility. Chip Financial (Investments) Ltd is FCA authorised and regulated (FRN 1005114); investments are held with Seccl Custody Limited and your capital is at risk when investing.
Does the Chip £50 bonus count towards my ISA allowance or interest?
Bonus payments paid into your Chip Instant Access Account do not count towards your balance when interest is calculated. Bonus payments into a Prize Savings Account don't count towards your cash balance for the monthly prize draw. Withdrawn bonus payments can take up to 5 working days to reach your linked bank account.
How did BonusBlueprint verify this Chip referral offer?
We opened the referral link from a logged-out browser, confirmed the code applies at sign-up, and cross-checked the £50 reward, the £1,000 deposit and the 90-day holding period against Chip's official Refer a Friend Terms & Conditions (referral promotion running 28 July 2026 to 23:59 on 10 August 2026). Last verified July 2026.
Ready to claim your £50 Chip bonus?
Sign up with referral code CHIP-TCE575, deposit £1,000 into an eligible Chip account and leave it for 90 days.
Get your Chip bonus