We're building wealth for our generation.
Chip your wealth app
Our Vision
We know planning for your future can be a tedious, daunting task often avoided, so we want to change that.
We're building the wealth app for our community, giving them one place for saving and investing.
We're giving customers control and guidance to effortlessly build their long-term wealth using award-winning tech, while celebrating their achievements along the way.
In practical terms this means adding more savings accounts and investment opportunities for Chip members to passively grow their wealth, combined with intelligent tools and intuitive features to make it easier for them to actively build up their wealth.
We’re all huge believers in making managing wealth more effortless, and as automated as possible. So everyone can feel empowered to focus on achieving the things that really matter to them.
We're not bankers
Chip has a creative and diverse team of 150, from all different backgrounds and industries. We’re driven and passionate people, but no one takes themselves too seriously.
Don’t just take our word for it. We have a few awards under our belt, including Best Personal Finance App at the 2022 & 2024 British Bank Awards.
Join us!
We want a real person, with interests outside of work, to join our team. We value having a broad and diverse range of backgrounds and experiences on our team.
Bottom line, we want smart people, who are driven to build and innovate, and actively look for opportunities to improve our tech, marketing, services and processes. We have a strong culture of listening to good ideas from everyone, from every team at every level.
At the interview stages, we will be looking for empathy, eq, fun stories, and the ability to smile even when things are tough.
Our Values
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Be ACCOUNTABLE
Everything you do matters, Care about the end result, Challenge the norm, Disagree, yet commit to making it happen once a decision has been made, Do the best job possible -
Be BOLD
Share our Ambition and do your bit to achieve it, Innovate: challenge the norm, break the mould and make it happen, Set goals that truly align with our mission, Do your best for our customers -
Be COLLABORATIVE
Work cross-functionally - we win as a team, Build strong relationships based on trust, Treat others fairly and respectfully, Hold others to account, Be supportive and inclusive, Have fun together
Our People
Equal Opportunities
We are passionate and committed to our people and go beyond the rhetoric of diversity and inclusion. You will be working in an inclusive environment and be encouraged to bring your whole self to work. We will do all that we can to help you successfully balance your work and home life. As a growing business we will encourage you to develop your professional and personal aspirations, enjoy new experiences, and learn from the talented people you will be working with. It’s talent that matters to us and we encourage applications from people irrespective of their gender, race, sexual orientation, religion, age, disability status or caring responsibilities.
An international team
🗣 Languages spoken
🌍 Countries represented
👥 Team members
Current Vacancies
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Software Development Manager (Remote within the UK)
Engineering · Shoreditch · Fully Remote
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VP of Customer Support
Customer Service · Shoreditch · Hybrid Remote
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Senior Compliance Manager
Compliance · Shoreditch · Hybrid Remote
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Compliance Manager
Compliance · Shoreditch · Hybrid Remote
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Engineering Manager - Foundations
Engineering · Shoreditch · Fully Remote
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Operations Support Analyst
Operations · Shoreditch · Hybrid Remote
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Product Operations Analyst
Operations · Shoreditch · Hybrid Remote
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Customer Service Team Lead
Customer Service · Shoreditch · Fully Remote
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Content Executive (Loyalty)
Marketing · Shoreditch · Hybrid Remote
Chip HQ Office Tour
Perks & Benefits
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Unlimited holiday ✈️
28 days contracted but policy not to count -
Private Healthcare 🏥
Medical history disregarded provided by Vitality
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Fitness & Wellbeing 🏋️
Chip Fitness Benefit to suit your Mental/Physical Wellbeing -
Employee Assistance Programme 🤗
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Work from home 🏠
Flexible working arrangements -
Education 📚
£1500 annual training budget which can also be used to attend conferences -
Pension 💰
Workplace pension scheme
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Company Laptop 💻
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Working away policy 🌍
Work outside of the UK for up to 90 days
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Cycle to work scheme 🚲
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Season ticket loan 🎫
Engineering at Chip
Our world-class team of engineers get to work on delivering features for Chips customers that grow our user base, our customer happiness and promote healthy life changing savings habits. We depend on unit and integration tests to provide confidence that with each release the infrastructure will meet the highest quality standards. You must be conscious of constraints around security and performance. You will have the technical confidence to bring your own ideas and opinions to avoid pitfalls and inefficient solutions.You will have a large amount of autonomy to do what is needed to succeed, a clear and meaningful purpose, and backing to demonstrate mastery of the trade. You will also have the support and freedom to employ industry-leading engineering practices, with a clear focus on user needs.
We use:
- AWS Codified infrastructure using terraform
- Container and orchestration technologies (Docker and Kubernetes)
- PHP7/ Laravel / Python / GoLang
- Mobile apps written in Swift & Kotlin
- Mobile CI tooling such as Bitrise
- Modular architecture for our apps using feature and common modules.
- Micro-service architecture including monitoring of deployed services
- SQL and NoSQL databases
- Continuous Integration/Continuous Delivery
- TDD
- Any other awesome tech that does a great job
Meet Iain our Chief Technology Officer, talk about what is required behind the scenes when building the best savings app in the world.
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Auto Scaling Chip: How to create a migration plan in 8 easy steps?
How we upgraded our database
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How Chip tackled on remote onboarding in 2020
Check out the article here
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Increasing speed with a well-chosen algorithm
How can a simple buffer increase an algorithm performance?
Our people love working here
WHAT THE WORLD IS SAYING ABOUT CHIP
Sky News | BBC | Money Saving Expert | AltFi | The Times | Yahoo! Money | Evening Standard
About Chip
What is Chip?
Chip is your wealth app. It gives you one easy place for your savings and investments. So you can build, manage and grow your long term wealth.
Our mission and history
Chip started out in 2017 as a clever app to help people save without lifting a finger.
In just a few years we’ve grown into an award-winning wealth app used by over 500,000 people.
Along that journey, our mission grew to “build wealth for our generation”.
Which means we build everything with the intention that it’ll make the Chip community wealthier, happier and more financially secure. We want to unlock financial freedom and help people achieve their real long-term goals.
Our vision
We know planning for your future can be a tedious, daunting task often avoided, so we want to change that.
We're building the wealth app for our community, giving them one place for saving and investing.
We're giving customers control and guidance to effortlessly build their long-term wealth using award-winning tech, while celebrating their achievements along the way.
In practical terms this means adding more savings accounts and investment opportunities for Chip members to passively grow their wealth, combined with intelligent tools and intuitive features to make it easier for them to actively build up their wealth.
We’re all huge believers in making managing wealth more effortless, and as automated as possible. So everyone can feel empowered to focus on achieving the things that really matter to them.
Savings
Chip is a trading name of Chip Financial Ltd and is authorised by the Financial Conduct Authority under the Payment Services Regulation 2017 for the provision of payment services. Firm Reference Number 911255.
Only eligible deposits held in the Chip Savings Accounts (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. To find out more and to check your eligibility please visit: fscs.org.uk/about-us/. ClearBank is responsible for the provision of the Chip Instant Access Account, the Chip Prize Savings Account & the Chip Cash ISA. This means deposits held across these accounts would be eligible for a total of £85,000 of FSCS protection ONLY.
There are certain situations where your deposits are not covered by FSCS, but are protected through the FCA’s safeguarding rules. For more information, please visit: https://getchip.uk/how-we-protect-your-money.
Prize Savings Account (“PSA”)
T&Cs, eligibility criteria and minimum average balance of £100 applies. FSCS limits of £85,000 apply to eligible deposits. Prizes are not cash and are applied to your PSA as a bonus. Prizes become cash once you withdraw your entire PSA balance into your linked bank account. Prizes are not eligible for FSCS protection. This account does not offer interest. For current prize values, entry and eligibility criteria and how to opt-out see: getchip.uk/legal/prize-savings-account-terms.
You can opt out of any or all prize draws at any time by contacting our Customer Success team via our in-app chat, or emailing support on hello@getchip.uk. If you have opted out, you can opt back in at any time via the same channels. You acknowledge that if you opt out, you will no longer be eligible for entry into prize draws.The PSA and prize draws are offered and managed by Chip. ClearBank is responsible for only the provision of the account and holding your funds which are FSCS protected (subject to eligibility). ClearBank is also responsible for the provision of the Chip Instant Access Account. This means deposits held across both accounts would be eligible for a total of £85,000 of FSCS protection ONLY.
Investments
Chip Financial (Investments) Ltd is authorised and regulated by the Financial Conduct Authority, under firm reference number 1005114. When investing your capital is at risk, and the value of your investments can go up as well as down and you may receive less than your original investment. Past performance is not a reliable indicator of future performance. Chip does not provide investment advice, and you as an individual investor should make your own decisions or seek professional independent advice.Your money may be protected up to £85,000 by the Financial Services Compensation Scheme (“FSCS”) under their Investment Scheme. This means that in the event Chip Financial (Investments) Ltd is declared to be in default and cannot meet their obligations, you may be able to claim compensation. It’s important to understand that the FSCS doesn’t cover you in the event that your investments go down and you get back less than what you put in. Further information is available from the FSCS website (fscs.org.uk).
Chip Cash ISA
Your Chip Cash ISA is a cash ISA provided by ClearBank Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority under registration number 754568. ClearBank Limited is approved by His Majesty’s Revenue and Customers (“HMRC”) for the purposes of the Individual Savings Accounts Regulations 1998 as an ISA manager. ClearBank Limited is registered in England and Wales under company number 09736376 with registered office: ClearBank, Borough Yards, 13 Dirty Lane, London, SE1 9PA. Your deposit is eligible for protection under the Financial Services Compensation Scheme ("FSCS"). Your eligible deposits with Clearbank Limited are protected up to a total of £85,000.
'Chip Financial Ltd (“Chip”) is registered in England and Wales, registration number: #10113174
Our registered office is: Chip Financial Ltd, 7 Bell Yard, London, WC2A 2JRNote that Chip is not a bank, meaning that we do not have physical branches, issue debit bank cards nor are you able to access your Chip money via ATMs. Chip does not provide financial advice and our services are only available via the Chip app.
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