Chip Referral Code UK: CHIP-ZMA908

Last updated: 6 October 2026

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Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.

How the Chip referral code works

Chip is a UK savings and investing app. Its refer-a-friend offer pays £50 to a new customer who joins through an existing customer's code, once the money has stayed in for long enough.

The £1,000 can sit in one eligible account or be split across more than one. What matters is that your total across eligible accounts never drops below £1,000 during the 90 days. If it does, the 90-day count starts again from zero once you are back above £1,000.

Chip pays the bonus once every condition is met, so in practice just after the 90 days end. The money arrives as bonus funds. Chip's terms say a bonus in the Instant Access Account does not count towards your balance when interest is worked out.

How to use the Chip referral code

With our link

1. Open our Chip referral link and enter your email address on Chip's page.
2. Download the app within 30 days and sign up with the same email address. Chip applies CHIP-ZMA908 for you.
3. Deposit at least £1,000 into one or more eligible accounts.
4. Keep at least £1,000 there for 90 days in a row.

By typing in the code

1. Download Chip from the App Store or Google Play and open a new account.
2. Go to Profile, then Promos and Referrals, and enter CHIP-ZMA908 within 14 days of signing up.
3. Deposit at least £1,000 and keep it there for 90 days in a row.

Who can use the Chip referral code

• New customers only: you must never have held a Chip account before.
• Age and residence: you must be 18 or over and live in the UK.
• Time limit: 120 days from being referred to deposit £1,000 and finish the 90-day hold.
• One code each: the offer that applies is the one running when the code is activated, and Chip can change or end it at any time.

The full rules are in Chip's refer-a-friend terms.

Which Chip accounts count

Chip's terms name five eligible accounts:

• Instant Access Account: a variable-rate savings account, held with ClearBank.
• Prize Savings Account: pays no interest. Instead, your balance enters a monthly prize draw.
• Smart Cash ISA: a cash ISA, with the money placed with a panel of UK banks.
• General Investment Account: an investment account, where your capital is at risk.
• Stocks and Shares ISA: investing inside an ISA, where your capital is also at risk.

The Easy Access Account and the Chip Pension do not count towards the £1,000. The older Chip Cash ISA is closed to new customers.

So the choice of account changes what your £1,000 does for 90 days. In the Prize Savings Account it earns nothing unless you win a prize. In the two investment accounts it can fall in value, and you could end the 90 days with less than £1,000. Current rates are on Chip's savings accounts page.

Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results. Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

Is Chip safe?

Chip's payments side is Chip Financial Group Ltd, an authorised payment institution on the FCA Register under FRN 911255. The investment accounts come from Chip Financial Wealth Ltd, FRN 1005114, and Chip's terms say investments are held with Seccl Custody Limited.

The Instant Access and Prize Savings accounts are held with ClearBank Limited. Eligible deposits are protected up to £120,000 per eligible person per UK-authorised bank, building society or credit union by the FSCS (since 1 December 2025). That limit covers everything you hold with ClearBank, including through other apps. Smart Cash ISA money goes to a panel of UK banks, and the FSCS limit applies per bank in that panel.

Eligible investments are protected up to £85,000 per person per FCA-authorised firm by the FSCS. That covers a firm failing, not your investments falling in value.

The £50 bonus and any prizes are bonus funds, and Chip says they are not FSCS protected until you withdraw them. For a full guide to the app, read our Chip app page.

Join Chip with code CHIP-ZMA908

FAQs

What is the Chip referral code?

CHIP-ZMA908. Our link applies it automatically, or you can enter it under Promos and Referrals in the app within 14 days of joining.

How much is the Chip referral bonus?

£50, once you have deposited at least £1,000 into eligible accounts and kept it there for 90 days in a row.

Can existing Chip customers use the code?

No. It only works for people who have never held a Chip account.

What happens if I withdraw money during the 90 days?

If your eligible balance falls below £1,000, the 90-day count resets and starts again once you are back above £1,000. You still have to finish within 120 days of being referred.

Does the Easy Access Account count?

No. Only the Instant Access Account, Prize Savings Account, Smart Cash ISA, General Investment Account and Stocks and Shares ISA count.

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Rates, offers and terms change, so check Chip's own pages before you sign up. This page is not financial advice; if you are unsure, consider speaking to a qualified financial adviser. Capital at risk when investing. This article contains affiliate and referral links, which are paid links, and brands do not choose what I feature or what I say about them.

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