Chip Smart Cash ISA Review4.74% AER (Sep 2026)

Cash ISA from Chip

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Protection

FSCS

Up to £120,000

Min balance

£1

Max balance

£20,000

Access

Instant

Interest paid

Monthly

Transfers in

Accepted

The Rate You'll Get

Learn more about Chip

New customers

Bonus

4.74%

AER

Includes a 1.24% boost for 12 months

Standard rate (after 12 months)

3.50%

AER

Who Is This For

New customers of this provider
Those wanting easy access
Savers happy with a £20,000 cap

Additional Info

The Smart Cash ISA is provided by Chip Financial (Investments) Ltd. ISA limits apply, deposit up to £20k this tax year. Terms apply.

Please verify all details with the provider – for more info read our Disclaimer

Estimated returns with Chip's Cash ISA

Want to know how much interest you will receive with Chip's Smart Cash ISA?

Estimated interest

£1,000 saved

£47.40

At 4.74% AER

£5,000 saved

£237

At 4.74% AER

£10,000 saved

£474

At 4.74% AER

£20,000 saved

£948

At 4.74% AER

Estimated over one year, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on Chip Smart Cash ISA

Chip's Smart Cash ISA is one of the cash ISAs people actually look up, and the rate on this page is the live figure — it updates when Chip moves it. I like it as a simple place to use ISA allowance, but I would still check how easy withdrawals are and whether any of the headline rate is a short-term bonus before moving a large amount across.
Jonny Pease (Co-Founder)DepositScout