Savings news: rate changes, offers and ISA updates
Dated updates when something actually changes: Chip and savings app rates, referral offers, Bank Rate decisions and ISA changes. Each entry links to the evergreen guide it affects rather than repeating it.
Chip savings rates in October 2026: where they sit against Bank Rate
Bank Rate is 3.75%. Chip’s savings rates track below it, with 12-month boosts for new customers. Each account’s boosted rate, standard rate and tracker margin.
Affects: Interest rates
Chip’s October 2026 referral offer: £50 when you save £1,000 for 90 days
Chip’s refer-a-friend offer for 1 to 31 October 2026 pays £50 each side. Why Easy Access does not count, and how a dip below £1,000 restarts the 90 days.
Affects: Referral code (£50)
Evergreen guides
- ReviewA first-hand Chip review from a UK saver: rates, autosave, withdrawals, the Smart Cash ISA, what it costs on the free plan and the honest downsides.
- Interest ratesChip's rates for Instant Access, Easy Access, the Smart Cash ISA and Prize Savings: the new-customer boost, the standard rate underneath and when it ends.
- Referral code (£50)Chip referral code and link for October 2026: £50 each when you save £1,000 for 90 days. Which accounts count (not Easy Access) and the reset rule.
- GuidesPlain-English UK savings guides: what AER means, how flexible ISAs and the allowance work, FSCS protection with apps and how autosave decides what to save.