The Cashback for Bank or Investment Accounts Discussion Thread

winkowinko

https://forums.moneysavingexpert.com/discussion/comment/81894903#Comment_81894903

Yes.

I received the £30 bonus before the £100 is even showing in my GIA, which can take 1-2 working days.

What I can't do yet, is withdraw the £30 now (the withdrawal says 'processing'). Like I said, this might because the original £100 hasn't landed in my GIA yet.

OwnedByACat

Will add Chip to list now

Those who have never had an investing account with Chip before can get £30 for opening a GIA or S&S ISA and depositing at least £100. Enter the code START1 in the “Promos & Referrals” section of the app (under Profile). Minimum fee of £1 a month for Chip investment accounts but the money can be held as uninvested cash. Offer ends 26/02/26

https://www.getchip.uk/promo-faqs/start1-investing-promotion-faq

https://www.getchip.uk/promo-terms/start1-investing-promotion-terms

Invitation-only offer: Chase customers who haven’t used JP Morgan Investing (formerly Nutmeg) can get £100 for opening an account and investing £1,000 for a year; you must receive this offer by email and/or in-app offer. To check, in the app go to “Discover” and then scroll down to “Rewards”. Previous Chase promotions have been rolled out eventually to all users but if you can’t wait there’s also a TCB offer, which is for £75 but presumably pays out earlier
https://www.topcashback.co.uk/jpmorgan-stocks-and-shares/

Dizzycap

https://forums.moneysavingexpert.com/discussion/comment/81894739#Comment_81894739

That's exactly why I decided to leave well alone until the end of the month when everything should be cleared & the prize drawer has taken place. Extra prize entry tickets are updated daily. So far, I've got 100 tickets with an additional 100 expected, and a surprise amount; upto 1,000 for using a promo code, will be added once my funds have cleared in the GIA account - You never know 😉 Flying pigs and all 😂🤣

pecunianonolet

I only got an ISA with Chip just now.

Am I right all I've got to do is open an instant access first to receive the bonus, open a GIA, deposit £100, enter the code and I get the £30 and it can be paid out straight away (once the 100 have credited)? So once the £30 have been received I can withdraw the £100 from the GIA again and not face any fees at all?

winkowinko

https://forums.moneysavingexpert.com/discussion/comment/81895124#Comment_81895124

I was in the same situation as you, ie only had a Chip ISA.

The order in which I did it, not that I think it matters, was

1. Open GIA
2. Apply promo code
3. Fund GIA with with £100 - still showing as 'pending' and can take 1 or 2 working days to clear.
4. Open instant access savings

The £30 appeared about an hour after sending £100 to the GIA (which still hasn't cleared).

I have attempted to withdraw the £30, but it's still showing as 'processing'.

I'll give it a couple of days, by which time the GIA should be funded, and hopefully the £30 withdrawal from the instant access account would have been processed. I suspect the 2 might be linked, but I can't be sure.

After that, i'll try and withdraw the £100 from the GIA, which hopefully goes through without issue.

AltruisticPie1544

https://forums.moneysavingexpert.com/discussion/comment/81895191#Comment_81895191

Interesting that you had the £30 bonus paid as I've just re-checked the T&Cs and found this mentioned.

Eligibility criteria (who you need to be)

• As of 00:00, Friday, 20 February 2026, you need to have: 
  
  • Never opened a Chip investment account(s) before, AND;
  • An open Chip Instant Access Account, and/or Prize Savings Account.

So it sounds like you didn't have either an Instant Access or Prize Savings account as of 00:00, Friday, 20 February 2026, right?

Someone else in this thread also said they just opened a Prize Savings account today and got the bonus as well.

winkowinko

@AltruisticPie1544 you are right in that I didn't have an open instant access account or prize savings account prior to 20th Feb.

When reading through the t's and c's before applying, I didn't register the requirement to have either of those accounts prior to 20th Feb. There were, however, plenty of reminders that I would need to have one of these accounts in order to receive the bonus, which is why I then opened the instant access account, and the bonus landed shortly after.

winkowinko

https://forums.moneysavingexpert.com/discussion/comment/81895230#Comment_81895230

Maybe, but it's perfectly possible (for me at least) that it was there all along and I glossed over it.

Altior

https://forums.moneysavingexpert.com/discussion/comment/81895234#Comment_81895234

Probably the mailing/notification list was account holders who already had one or both of those accounts, but not investing.

As it's not included in the 3 steps noted under Rewards for the promo code. Presumed that requirement is already met by default.

So they are expecting the only qualifying account holders to be existing Chip users. I wonder if it will be sophisticated enough to weed out the gate crashers!

wmb194

https://forums.moneysavingexpert.com/discussion/comment/81895205#Comment_81895205

You're misinterpreting them; they say that you need an open Chip savings account: "…you need to have …an open [savings account]…" I had an open savings account before opening a GIA and have received the bonus.

The terms haven't changed from this morning: