Chip Referral Code UK: CHIP-ZMA908

Last updated: 7 April 2026

What is the Chip referral code offer?

The Chip referral code UK offer gives new customers a £50 cash bonus when they sign up and deposit at least £5,000 into an eligible Chip account. You need to hold that deposit for a minimum of 90 days to qualify for the bonus. Over 500,000 people already use Chip to build their wealth, so you would be joining a well-established platform.

The referral code is CHIP-ZMA908. You can either use our link below (which applies the code automatically) or enter it manually inside the app after downloading.

How to use the Chip referral code

Option 1: Via the referral link (easiest)

1. Click the referral link below
2. Enter your email address on the Chip landing page and click "Download Chip"
3. Download the app within 30 days of entering your email and set up your account using the same email address. The code will be applied automatically
4. Deposit at least £5,000 into an eligible account and hold it there for 90 days

Option 2: Enter the code manually

1. Download the Chip app from the App Store or Google Play
2. Create your new account
3. Go to "Promos & Referrals" in your profile and enter the code CHIP-ZMA908
4. Deposit at least £5,000 into an eligible account and hold it there for 90 days

Eligibility: who can use this Chip referral code?

• New Chip customers only. You must never have previously held a Chip account or redeemed a new customer promotion
• UK residents aged 18 or over
• You must deposit at least £5,000 into an eligible Chip account
• The deposit must be held for a minimum of 90 days
• Only one referral code can be used per person

For full eligibility details, see the official Chip referral terms and conditions.

Which Chip accounts are eligible?

Chip offers several account types, and the referral bonus applies when you deposit into an eligible account. At the time of writing, Chip's main accounts include the Instant Access Account, Easy Access Account, Cash ISA, Smart Cash ISA, and Prize Savings Account. There are also investment options including a General Investment Account and Stocks & Shares ISA. We recommend checking directly in the app or on the Chip savings accounts page for the latest rates and eligibility criteria.

If you want a full breakdown of how the Chip app works, including fees, features, and account comparisons, see our Chip app guide.

Is Chip safe?

Chip Financial Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 911255). Eligible savings deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person via Chip's banking partner ClearBank. Investment products are not FSCS-protected, and your capital is at risk when investing. Always check which protections apply to the specific account you choose.

Frequently asked questions

What is the Chip referral code?

The CoolCuration Chip referral code is CHIP-ZMA908. Enter it in the "Promos & Referrals" section of the app, or use our referral link which applies it automatically. New customers only.

How much do I get with the Chip referral code UK?

You get a £50 cash bonus when you deposit at least £5,000 into an eligible Chip account and hold it for 90 days. The bonus is paid directly into your Chip account once you have met all the conditions.

Does the Chip referral code work for existing customers?

No. The referral code is only valid for new Chip customers who have never previously held a Chip account and have not already redeemed a new customer promotion.

How long do I need to keep the money in Chip?

You must hold a minimum balance of £5,000 in an eligible account for at least 90 days after depositing. If you withdraw before the 90 days are up, you may not qualify for the bonus.

Can I use the Chip referral code and still open other Chip accounts?

Yes. The referral bonus is tied to your initial qualifying deposit. You can also open additional Chip accounts alongside it. See our Chip app guide for details on all available accounts.

Does Chip do a credit check when I sign up?

Chip performs a soft search when you create an account. This does not affect your credit score.

When will I receive the £50 bonus?

The £50 bonus is typically paid into your Chip account after the 90-day holding period, provided all referral conditions have been met. Check the full referral terms for exact timings.

Disclosure: CoolCuration uses a referral link for the Chip app. If you sign up via our link or code, we may receive a benefit. This does not affect the offer available to you, and our editorial content about Chip remains independent. This page is for informational purposes only and does not constitute financial advice. Always review the full Chip referral terms and conditions before signing up. Eligibility criteria apply. Chip Financial Ltd, FCA FRN: 911255. Eligible deposits protected by FSCS up to £120,000. When investing, your capital is at risk.

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