Chip Referral Code UK: CHIP-ZMA908

Last updated: 20 August 2026

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What is the Chip referral code offer?

The Chip referral code UK offer gives new customers a £50 bonus when they sign up and deposit at least £1,000 into an eligible Chip account. Chip cut that qualifying deposit from £5,000, so the bar is much lower than it used to be. You need to hold that balance for 90 consecutive days to qualify. Chip pays £50 to both sides of a referral, so we earn one too whenever someone uses our code. 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 £1,000 into an eligible account and hold it there for 90 consecutive days. You can split the deposit across more than one Chip savings or investment account

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 within 14 days of joining Chip
4. Deposit at least £1,000 into an eligible account and hold it there for 90 consecutive 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 £1,000 into an eligible Chip account, which you can split across more than one Chip account
• The balance must be held for at least 90 consecutive days
• Only one referral code can be used per person
• You have 120 days from signing up to meet the referral criteria before the offer expires

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. It's worth 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 against market losses, and your capital is at risk when investing. Always check which protections apply to the specific account you choose.

Worth knowing: Chip treats the £50 as bonus funds rather than cash, so it does not carry the FSCS protection your own deposit does. You release it by withdrawing your full balance.

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 bonus when you deposit at least £1,000 into an eligible Chip account and hold it for 90 consecutive days. It lands in your Chip Instant Access Account, or your Prize Savings Account if you do not hold one.

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 £1,000 in an eligible account for at least 90 consecutive 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 applied the day after all of the offer's requirements have been met, so in practice just after your 90-day holding period ends. 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 commission or referral bonus at no extra cost to you. 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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• TopCashback referral code: earn cashback on everyday spending and stack it with your Chip savings habit.
• Emma app: a budgeting app that pairs well with Chip for tracking where your money goes.

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