Get £30 FREE with Chip When You Deposit £100 (No Need to Invest)

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Chip is running a limited-time investing promotion from 20th February 2026 to 26th February 2026 — and it’s one of the simpler £30 bonuses we’ve seen recently.

Here’s exactly how it works 👇

What You’ll Get

• £30 bonus

• Paid into your Chip Instant Access or Chip Prize Savings account

• In our test, it arrived within a few hours of depositing

Who Qualifies?

To qualify (as of 00:00, Friday 20 February 2026), you must:

• ❌ Never have had a Chip investment account before

• ✅ Have an active Chip Instant Access account and/or Chip Prize Savings account

So this is technically aimed at existing Chip savers who haven’t invested yet.

However, there have been multiple reports of new users joining during the promo window and still receiving the bonus. That’s not what the promo is officially designed for — but worth noting.

How To Activate The Offer

Step 1: Open the Chip app.
Step 2: Go to Rewards then Enter Promo Code.
Step 3: Enter code: START1.
Step 4: Open a new Chip Investment account (General Investment Account or Stocks & Shares ISA).
Step 5: Deposit £100 into the investment account.

That’s it.

Do You Need To Actually Invest?

This is the big question.

No.

The T&Cs confirm you can leave the £100 as uninvested cash inside the investment account if you wish.

There is no requirement to place a trade or invest into a fund.

So in short:

• Deposit £100

• Receive £30 bonus

Nice and simple.

When Is The £30 Paid?

The bonus is paid into your:

• Chip Instant Access account or

• Chip Prize Savings account

In our experience, the £30 landed within a few hours of depositing the £100.

It may take longer in some cases, but it appears to be processed quickly.

Important Things To Know

• Promo runs 20th Feb 2026 – 26th Feb 2026

• Intended for existing Chip users without an investment account

• Deposit required: £100

• No investment required

• Full terms available on Chip’s website

Capital at risk if you choose to invest.

New Users: Get 100 Extra Prize Draw Entries

If you’re new to Chip, you can also benefit from their new customer offer.

Here’s what you’re entitled to:

• 100 extra entries into the March £500,000 Prize Savings draw

• You must download Chip by 31st March

• Deposit at least £10 into your Prize Savings Account

To qualify:

• Enter your email address via the sign up link.

• Use the same email when signing up within 30 days.

• If you’ve already joined, enter the referral code (CHIP-VAK209) in-app within 14 days.

Once completed and funded (£10 minimum), you’ll receive 100 additional entries into the prize draw.