Chip referral code: CHIP-BGK748 & Get £50 FREE

Chip offer at a glance

Reward

£50 FREE

How to claim

Enter CHIP-BGK748

Category

Banking & finance

Last checked

18 October 2026

About Chip

Chip is a UK savings and investing app that puts savings accounts, investment accounts and related money tools in one place. Its official site describes app-based onboarding, a linked-bank connection using Open Banking, manual deposits and withdrawals, and optional automatic saving. Depending on the account and plan, the app can offer savings products such as Instant Access and Prize Savings, and investment products including a General Investment Account and Stocks and Shares ISA. Investment values can fall as well as rise; the referral reward does not remove that risk. Chip's site also says that account access is app only and that its service is for people aged 18 or over who are UK tax residents. Readers should check the live in-app product information and Chip's legal terms before committing money, because product availability, rates, charges and eligibility can change.

The user experience is intended to be mobile-first. A new customer follows the in-app sign-up prompts, completes Chip's checks, connects a bank account if needed, and chooses where to save or invest. Chip says Open Banking access is consent-based and can be revoked, but a reader should still review which bank data is being shared and keep their login and device secure. Savings and investing are separate decisions: a qualifying deposit may be placed across eligible Chip accounts, but putting money into an investment account exposes it to market risk and is not the same as holding cash. The referral offer is a promotional condition attached to opening and funding Chip; it is not advice to invest, a guaranteed investment return, an interest-rate promise, insurance, or a waiver of ordinary product terms.

Get £50 FREE with Chip

The directory's immutable offer is £50 FREE with code/link CHIP-BGK748 and exact destination https://www.getchip.uk/get-your-boost?code=CHIP-BGK748&name=Faisal. The supplied destination was reachable when checked on 18 October 2026 and displayed an invitation to join Chip, asking the recipient to enter an email address and download Chip by 23:59 on 31 October. It states that the person must sign up with the referral code, deposit at least £1,000 into a Chip Account, and hold at least £1,000 for 90 days. Chip's detailed official reward page says the referred person must be a new customer, meaning someone who has never previously held a Chip account; the offer window shown there is 1 October 2026 to 23:59 on 31 October 2026. It says the £1,000 can be split across eligible Chip savings and/or investment accounts: Chip Cash ISA, Chip Smart Cash ISA, Chip Instant Access Account, Prize Savings Account, General Investment Account and Stocks and Shares ISA. The Chip Pension is expressly excluded.

The detailed page also says the referred person has 120 calendar days from the date of being referred to meet the criteria, including 90 consecutive calendar days at or above £1,000. If the balance drops below £1,000 during the holding period, the countdown starts again from zero when the minimum is restored. Both parties are stated to receive a £50 bonus, paid into a Chip Instant Access Account or Prize Savings Account. The recipient must have an open eligible receiving account; if both are open, the destination page says payment goes automatically to Instant Access, while the detailed page says Instant Access is used automatically and Prize Savings is used if Instant Access is not open. Because these official pages should be read together and promotion rules can be updated, provider confirmation is needed if the app shows different wording, if the code is not accepted, or if the dates displayed at checkout differ.

The £50 is a bonus credit, not £50 of cash guaranteed immediately, not interest, not a prize-draw entry, and not a reduction in any investment loss or account fee. The destination says a bonus paid into Instant Access does not count towards the balance used to calculate interest; a bonus paid into Prize Savings does not count as cash balance for monthly prize-draw entries. It also says bonus payments can take up to five working days to reach a linked bank account after withdrawal. The qualification deposit is therefore not a promise that the underlying account will pay a particular rate or remain fee-free. Chip's pricing page says the standard plan has no monthly cost, but ChipX has a 28-day subscription charge and investments can have platform and fund-manager charges. Check the current pricing page and the product screen before funding. Do not assume FSCS protection, tax treatment, withdrawal speed, rates or fees are identical across products: Chip's pages contain product-specific and, in places, inconsistent protection wording, so confirm the applicable terms directly with Chip.

How to claim the offer

1. 1Open the exact supplied destination: https://www.getchip.uk/get-your-boost?code=CHIP-BGK748&name=Faisal. Do not replace, shorten or retype the URL with a different code.
2. 2Before entering personal details, check that the page identifies Chip and that the referral code shown or carried into the sign-up flow is CHIP-BGK748.
3. 3Enter an email address and download the official Chip app using the page's route. The destination states that download must be completed by 23:59 on 31 October; confirm the live deadline in the app or with Chip if it has changed.
4. 4Create the account as a genuinely new customer. The published reward page defines new customer as someone who has never previously held a Chip account; do not assume deleting an old app or closing an old account resets that status.
5. 5Complete Chip's in-app identity, security and eligibility checks and read the current terms. If verification fails or the app says the account is ineligible, ask Chip support before depositing.
6. 6Review the eligible-account list in the live promotion terms. The published list includes Cash ISA, Smart Cash ISA, Instant Access, Prize Savings, General Investment Account and Stocks and Shares ISA, and excludes Chip Pension.
7. 7Deposit at least £1,000 into eligible Chip account(s), checking the in-app balance and transaction status. The published terms allow the qualifying amount to be split across eligible savings and investment accounts.
8. 8Keep the balance at or above £1,000 for 90 consecutive calendar days. Avoid withdrawals, transfers, fees or market movements that could take the qualifying balance below the threshold; if it happens, confirm whether the countdown has restarted.
9. 9Track the referral status, balance and holding-period dates in the app or through Chip support. The detailed terms say the criteria must be met within 120 calendar days of referral.
10. 10Keep an open Instant Access Account or Prize Savings Account for receipt, then check the reward credit after qualification. If withdrawing it, allow up to five working days for the bonus to reach the linked bank account, as the destination explains.
11. 11Before proceeding, compare the current pricing, product risk and withdrawal terms with your own needs. Never choose an investment account solely to meet a promotion.

Your referral benefit

For a qualifying new Chip customer, the recorded benefit is a £50 bonus. To pursue it, the reader must use the exact supplied route and code, complete the stated new-customer sign-up, deposit at least £1,000 in one or more eligible Chip accounts, and keep at least £1,000 there for 90 consecutive calendar days, subject to the offer's 120-day completion window and any current terms. The bonus is credited to an open Chip Instant Access Account or Prize Savings Account rather than being paid as an instant bank transfer. The reward is separate from the account contract: it does not guarantee interest, investment performance, a savings rate, tax treatment, fee-free investing, a particular provider bank, or eligibility for any protection scheme. It also does not count towards Instant Access interest-balance calculations or Prize Savings cash-balance calculations as described on the supplied page. If the balance falls below £1,000, the holding clock can restart. If the offer cannot be matched in the app, the customer should stop and ask Chip support to confirm rather than funding money in reliance on an assumption.

Before you claim

• Open the exact URL and confirm it remains https://www.getchip.uk/get-your-boost?code=CHIP-BGK748&name=Faisal; a redirect does not authorise changing the stored directory URL.
• Check that the referral code carried into sign-up is exactly CHIP-BGK748, including capital letters, hyphen and all digits.
• Confirm the page or current terms show the applicable deadline and whether the 1 October to 31 October 2026 offer window is still being honoured.
• Confirm that the applicant has never previously held a Chip account, because the official reward page defines this as the new-customer condition.
• Confirm the selected account is in the published eligible list and is not Chip Pension.
• Record the date and amount of each deposit and verify that the combined eligible balance reaches at least £1,000.
• Check the balance throughout the 90 consecutive calendar days; a single dip below £1,000 can restart the holding period under the published terms.
• Check the 120-calendar-day expiry calculated from the referral date and retain screenshots or statements showing the qualifying period.
• Verify that an Instant Access Account or Prize Savings Account is open to receive the bonus and check which destination the app selects.
• Read the reward ledger or in-app notification after qualification and confirm whether the £50 is marked as a bonus rather than ordinary interest or cash balance.
• Review current Chip pricing for ChipX, investment platform fees, fund-manager charges and any Saving Plans charges before choosing a product.
• Ask Chip support to confirm any conflict between the exact destination, the app, the referral page and the detailed reward terms before committing funds.

Chip referral questions

Sources and verification

Reviewed 18 October 2026. The status above explains how much of the recorded claim was confirmed; always check the live brand page for the latest eligibility rules, deadlines and reward details.

• Exact Chip referral destination for CHIP-BGK748
• Chip reward hub: refer a friend for a £50 bonus
• Chip official pricing and fees
• Chip official Terms of Use
• Chip Instant Access Account official page