Chip's Smart Cash ISA gets a boosted rate

4.60% AER boosted for 12 months

Chip's Smart Cash ISA pays 4.60% AER boosted for 12 months, then 3.50%, after the underlying rate was cut from 3.75% on 10 September 2026. It replaces the older Chip Cash ISA, which is now closed to new customers.

Why it mattersA recent rate change means savers are weighing the boosted rate against the cut.