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Review of the Chip, Prize Savings Account:

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A nice modern take on Premium Bonds style saving.

A nice modern take on Premium Bonds style saving. Instead of interest, your balance gives entries into monthly prize draws, all managed in a very slick app. Deposits and withdrawals are quick and the money is FSCS protected via their partner bank, so it feels safe and easy to use. The main downside is returns aren’t guaranteed. Some months you win nothing, so it shouldn’t replace a proper interest paying savings account. Overall, it works best as a motivating side pot rather than your main savings. Fun, simple and surprisingly effective at encouraging you to save. Reviewed on: 11th February 2026

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