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Chip

Illustrative reference data — not personal financial advice. Verify rates and fees on the provider’s own pages before acting.

App-only, smooth UX, FSCS protected. Smart Cash ISA (successor product — the original Chip Cash ISA is closed to new customers): 3.75% AER standard, tracking BoE base − 0.06% gross, provided via Chip Financial (Investments) Ltd. New customers can get 4.55% incl. the 12-month 0.80% boost. Easy-access 3.20% standard.

Products tracked

FSCSFinancial Services Compensation SchemeUK government-backed protection if a firm fails. Cash deposits at an authorised bank or building society are covered up to £120,000 per person, per banking group (raised from £85,000 on 1 December 2025). Investments at an authorised platform are covered up to £85,000 — a separate scheme. NS&I sits outside FSCS with 100% HM Treasury backing. protection

Not FSCS-protected — check the provider's own pages for current coverage details.

FSCS deposit cover is per banking licence (not per brand). Lloyds Banking Group includes Lloyds, Halifax, Bank of Scotland, and Birmingham Midshires — all share one £120,000 cap. Investment platforms run on a separate FSCS scheme capped at £85,000. NS&I sits outside FSCS with 100% HM Treasury backing. Spreading large balances across separate licences preserves coverage.

Source · last verified 18 Aug 2026
https://www.getchip.uk/savings-accounts/cash-isa →

Smart Cash ISA (successor product — the original Chip Cash ISA is closed to new customers): standard 3.75% AER (variable tracker, BoE − 0.06% gross), new customers 4.55% incl. 0.80% AER boost for 12 months. Provided via Chip Financial (Investments) Ltd. Easy-access saver line-up under re-review (18 Aug 2026).

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Reference data only — not personal financial advice or a recommendation. Rates and fees move; verify on the provider’s own pages before opening or transferring an account. Provider trademarks belong to their respective owners; Chip appears here under nominative fair-use as identification of a UK financial product.