Chip £50 Wealth App Referral Bonus
Join Chip with code CHIP-XWW289, deposit at least £1,000 into eligible Chip savings and/or investment accounts, and maintain at least £1,000 for 90 consecutive calendar days to receive a £50 referral boost (both sides can earn £50).
Read our full review · 3.7/5 →Quick answer
Use code CHIP-XWW289 for the Chip offer. New eligible customers can get £50 after meeting the requirement: £1,000 minimum balance held in eligible Chip accounts for at least 90 consecutive calendar days. Last verified 2026-09-16.
- Reward
- £50
- Referral code
CHIP-XWW289- Last verified
- 2026-09-16
- Difficulty
- Medium
- Time to claim
- 10-15 minutes
- Time to payout
- After holding at least £1,000 for 90 consecutive calendar days
CHIP-XWW289Ad / referral links — we may earn a bonus when you sign up.
How to claim
- Open the Chip referral link above.
- Create a new Chip account and complete the required identity checks.
- Confirm referral code CHIP-XWW289 is applied during sign-up, or enter it manually in the app.
- Deposit at least £1,000 into eligible Chip accounts (you can split across savings and/or investment accounts).
- Maintain at least £1,000 for 90 consecutive calendar days in any eligible Chip account.
- Receive the £50 referral boost once Chip confirms the referral terms are met (Chip says bonus payments can take up to 5 working days when withdrawing).
Eligibility & requirements
- New Chip customers only (someone who has never previously held a Chip account), subject to Chip's current referral terms.
- Must use the referral link or enter referral code CHIP-XWW289 in the app.
- Must deposit at least £1,000 into eligible Chip accounts.
- Must maintain at least £1,000 for 90 consecutive calendar days.
- Eligible account types and exclusions are controlled by Chip's live referral terms.
- Savings and investment products can have different risk and protection rules; read the account terms before depositing.
Verification notes
- Minimum spend/deposit
- £1,000 minimum balance held in eligible Chip accounts for at least 90 consecutive calendar days
- Last verified
- 16 September 2026
- Automated source check
- 15 September 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- Fixed £50 referral reward if the £1,000 balance and 90-day hold terms are met.
- Chip has a large UK user base and focuses on savings and wealth-building tools.
- Referral code can be entered manually if the link does not apply it automatically.
- Good fit if you already planned to keep cash in an eligible savings product.
Watch out for
- £1,000 deposit is still a meaningful capital requirement compared with lighter app referrals.
- Money must be held for 90 consecutive calendar days, so this is not an instant payout offer.
- Only eligible Chip accounts count under the referral terms.
- Not worth doing solely for the bonus if the account rate, access, or protections do not suit your needs.
FAQ
- What Chip referral code should I use?
- Use referral code CHIP-XWW289, or start from the referral link on this page.
- How much is the Chip referral bonus?
- Chip's live refer-a-friend page says both sides can earn £50 after the new customer deposits at least £1,000 into eligible accounts and maintains at least £1,000 for 90 consecutive calendar days.
- Can I enter the Chip referral code manually?
- Yes. Chip says you can either use the referral link or enter code CHIP-XWW289 in the app.
- Where are the Chip referral terms?
- Start from https://www.getchip.uk/promotions/refer-a-friend and follow Chip's linked full terms before depositing, because eligible accounts and conditions can change.
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Added 26 June 2026 · Last updated 16 September 2026. Offers and terms change frequently - always confirm on the provider's site before applying.