Chip - Savings and Investments

I-Chip ilapha ukuzocebisa impilo yakho; sinikeza ulwazi olulodwa olulula nolwenzelwe wena ukuphatha, nokukhulisa ingcebo yakho. Yingakho sithole umqhele we-'Best Personal Finance App' ngo-2025, 2024, 2022, 2019 kumaBritish Bank Awards.

• Qala ukutshala imali kusuka ku-£1 ngezimali zethu zokutshala imali. Izimali zepulatifomu (0.25%) zingasebenza.
• Yakha ingcebo ngaphandle kwentela nge-Cash ISA yethu kanye ne-Stocks & Shares ISA.

• Landelela yonke imali yakho yokutshalwa kwezimali kanye nephothifoliyo yokonga endaweni eyodwa.
• Beka imigomo yakho yezezimali, xhumanisa i-akhawunti bese wongela lezo zikhathi ezibalulekile.
• Izici zethu ze-AI ezihlakaniphile zenza ukutshala imali nokonga kube lula.
• Wonke ama-akhawunti okonga ku-Chip afanelekela ukuvikelwa kwe-FSCS kufika ku-£120,000.
• Ukusekelwa kwamakhasimende okusekelwe e-UK kuyatholakala izinsuku eziyi-7 ngesonto.

Joyina abasebenzisi abangaphezu kuka-400,000 abafuna ukwakha ikusasa lezezimali elingcono nge-Chip.

Uma utshala imali, imali yakho isengozini. Ukuphathwa kwentela kuncike ezimweni zomuntu ngamunye futhi kungashintsha esikhathini esizayo. I-Chip ayinikezi iseluleko sentela noma sezezimali.

Yakha iphothifoliyo yokutshala imali ehlukahlukene kusukela ku-£1:

• Tshala imali ku-ISA Yamasheya Namasheya noma kwi-Akhawunti Yokutshala Imali Ejwayelekile.

• Dala iphothifoliyo eyenzelwe wena ngezimali ezingaphezu kuka-40 kuzo zonke izinkomba zomhlaba wonke noma zesifunda, izihloko kanye nezimpahla.

• Khulisa ulwazi lwakho lokutshala imali ngeziqondiso zethu, ukuqonda kanye namathuluzi.

Inani lokutshala imali kwakho lingancipha futhi likhuphuke futhi ungase uthole imali encane kunetshalomali yakho yokuqala.

Khetha kusuka kuhlu lwama-akhawunti okonga aklanyelwe imigomo yakho:

• Vula noma yimaphi ama-akhawunti ethu okonga mahhala ngokuphelele ngemizuzu embalwa.

• Thola amazinga enzalo ancintisanayo.

• Wonke ama-akhawunti ethu okonga avikelwe yi-FSCS ngokuya ngemithetho yesikimu.

I-Smart Cash ISA:
• Yakha imali yakho yokonga ngaphandle kwentela nge-ISA yemali eguquguqukayo.

• Khipha futhi ubuyisele imali noma nini lapho uyidinga ngonyaka ofanayo wentela.

• Cela futhi ulandelele ukudluliselwa kwe-ISA kuhlelo lokusebenza, ngokusekelwa okuvela eqenjini lethu eliwine imiklomelo.

I-Akhawunti Yokonga Imiklomelo:
• Wina imiklomelo yemali ngokugcina imali ngokujoyina umncintiswano wethu wemiklomelo wanyanga zonke.
• Sesivele sikhokhe imali engaphezu kwe-£1.25m emiklomelweni engaphezu kuka-66k+.
• Ukonga okwengeziwe, ukungena okwengeziwe; ungafaka imali ephakathi kuka-£10 kuya ku-£85k futhi ube nethuba lokuwina isabelo sika-£100,000. Imigomo Nemibandela, izindlela zokufaneleka kanye nebhalansi encane emaphakathi engu-£10 iyasebenza.

Ukufinyelela Okusheshayo kwe-Chip:
• Kwakhelwe ukukunikeza ukuguquguquka okugcwele nokufinyelela.
• Thola izinga lenzalo elincintisanayo.
• Faka imali bese ukhipha imali ngokushesha, noma ngabe ukuphi.

Ukufinyelela Okulula kwe-Chip:
• Kwakhelwe ukugcina imali yakho isesimweni.
• Thola izinga lenzalo elincintisanayo.
• Ukukhipha imali kathathu ngaphandle kwesijeziso esikhathini sezinyanga ezingu-12.

Yakha ingcebo yakho nge-Autosaves kanye namadiphozithi aphindaphindayo
• Isici sethu se-Autosaving sibala lokho ongakwazi ukukugcina nokutshala imali ngokusekelwe emikhubeni yakho yokusebenzisa imali. Kungasebenza imali engu-45p ngokulondoloza ngakunye.
• Setha amadiphozithi aphindaphindayo angenamthungo kuma-akhawunti akho okonga noma ezimalini zokutshalwa kwezimali ukuze kwakhiwe ingcebo ngaphandle kwesandla.

Mayelana ne-Chip:
• I-Chip Financial Group Ltd, egunyaziwe futhi elawulwa yi-FCA (FRN: 911255) yezinsizakalo zokukhokha.

• I-Chip Financial Wealth Ltd igunyazwe futhi ilawulwa yi-FCA (FRN: 1005114) njengenkampani yokutshala imali ye-MiFID.
• I-Chip Financial Wealth Ltd inikeza i-Smart Cash ISA, ama-General Investments Accounts, ama-Stocks & Shares ISA kanye ne-Chip Personal Pension.
• I-ClearBank Limited ingumhlinzeki we-akhawunti ye-Chip Instant Access Account yakho, i-Chip Prize Savings Account, kanye ne-Chip Cash ISA.