Updated September 29, 2026 · SumCue Editorial Team
Chip (US) vs Finanzguru AT
Chip (US)
Higher score in this comparison
Finanzguru AT
What sets them apart
| Compare | Chip (US)ReviewSee alternativesSee alternatives | Finanzguru ATReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 4.5% | 7%Higher |
| Rate type | Variable | Fixed |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Flexible Cash ISA with 3.50% standard variable rate plus 1.00% new customer boost for 12 months; interest paid monthly; 18+ UK tax resident, app only | Free registration without authentication; over 4,000 banks and providers linkable; Sparbooster credit withdrawable from 5 EUR |
| Monthly fee | £0 | €0 |
| Regulators | Not confirmed | Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) |
Same on both: Account kind (ISA).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Chip (US) scores higher overall: 9.3 vs 9.0.
- Headline rate is higher at Finanzguru AT: 7% vs 4.5%.
- Support channels: only Chip (US) offers Phone, Community.
- Pricing model: only Chip (US) offers Fixed rate.
Our verdict on each
Chip (US)
Chip suits UK adults who want a tax wrapper they can reach from an app, with a 4.5% headline and £0 monthly fees. The variable rate and the new customer boost mean the figure you open on can change once the boost ends.
Finanzguru AT
Finanzguru AT suits German savers who want a fixed-rate boost, withdrawable credit, and no monthly account charge. Its headline rate is 7%, while savings deposits have EU deposit protection of EU DGS up to EUR 100,000 and investment balances have EU investor protection of EU ICS up to EUR 20,000.
Score breakdown
| Area | Chip (US) | Finanzguru AT |
|---|---|---|
| Cost | 9.1Monthly fee of £0 on the Cash ISA and interest paid monthly, with no charge listed for holding or withdrawing. | 9.1The account carries a monthly fee of €0, while registration is free. |
| Offer | 9.6HigherHeadline rate of 4.5%, variable and isa, sitting above 3% for the wider set. | 9.1The headline rate is 7% with a fixed rate of fixed. |
| Trust | Not confirmed | 8.8 |
Where they rank in our lists
| Ranking | Chip (US) | Finanzguru AT |
|---|---|---|
| Savings | 193 of 1492 | 439 of 1492 |
| Cash ISAs | 2 of 11 | 7 of 11 |
Also worth a look
Plazo ES has headline rate at 24.19%, against 4.5% for Chip (US) and 7% for Finanzguru AT.
Plazo ES reviewEvery fact side by side
| Fact | Chip (US) | Finanzguru AT |
|---|---|---|
| Pricing model | No monthly fee, Fixed rateCovers more | No monthly fee |
| Legal entity | Chip Financial Wealth Ltd | dwins GmbH |
| Headquarters | United Kingdom | Germany |
| Support channels | Email, Phone, Help centre, CommunityCovers more | Email, Help centre |
Robo-advisors
| Fact | Chip (US) | Finanzguru AT |
|---|---|---|
| Investor protection | Not confirmed | EU ICS up to EUR 20,000 |
| Portfolio types | Not confirmed | ETF |
Where each stands against the rest
| Fact | Chip (US) | Finanzguru AT | Median |
|---|---|---|---|
| Headline rate | 4.5%above the median | 7%highest quarter | 3.3% |
Median across 710 listed providers.
Pros and cons
Chip (US)
Pros
- No monthly charge, at £0, on a flexible Cash ISA
- Headline rate of 4.5% sits well above 3% for savings across the site
- Interest is paid monthly, so returns reach you through the year rather than at the end
Cons
- The rate is variable, so the return can move rather than stay locked for a term
- The higher headline depends on a new customer boost that ends after a set period
- Access is app only, which suits people comfortable managing money on a phone
Finanzguru AT
Pros
- The fixed headline rate of 7% exceeds bunq at 3.01% and Wise at 3.29%.
- The monthly fee is €0, so the account model has no monthly charge.
- Savings deposits have EU deposit protection of EU DGS up to EUR 100,000.
Cons
- The rate is fixed at fixed, so it may not suit savers who want a variable rate.
- Support runs through email and help centre only, with no phone support listed.
- The deposit protection limit is EU DGS up to EUR 100,000, so larger balances may receive less cover.
Who each suits
Chip (US)
Who it suits
- UK adults paying tax who want savings held in a tax wrapper
- People who manage day to day money on a phone and check interest monthly
- Savers building a balance without a monthly charge draining returns
Who should look elsewhere
- Anyone wanting a rate locked for a set term, since the rate is variable
- People who need to open or use an account without a phone
- Readers who want branch counter service, since support runs on email, phone and help centre only
Finanzguru AT
Who it suits
- German savers who prioritise the fixed headline rate of 7%.
- Users who value free registration and a monthly fee of €0.
- People who want savings and investment protection under the stated limits of EU DGS up to EUR 100,000 and EU ICS up to EUR 20,000.
Who should look elsewhere
- Savers seeking a variable rate, because the listed rate is fixed at fixed.
- People wanting phone support, because support runs through email and help centre.
- Large investment balances seeking the same protection limit as savings, because investment protection is EU ICS up to EUR 20,000 while deposit protection is EU DGS up to EUR 100,000.
Current offers
Chip (US)
Current offer
First period offer
Smart Cash ISA new customer boost: 1.00% AER boost on top of the 3.50% standard variable rate, giving 4.50% AER (variable) for the first 12 months
New customers only; reverts to the standard 3.50% AER (variable) after 12 months; 18+, UK tax resident, app only; T&Cs apply
Source, checked September 26, 2026
First period offer
Easy Access new customer boost: 0.31% AER boost on top of the 3.50% standard variable rate, giving 3.81% AER (variable) for the first 12 months
New customers only; reverts to the standard 3.50% AER (variable) after 12 months; three penalty-free withdrawals in a 12 month period, 4+ withdrawals reduce the rate to the Reduced Easy Access Rate; 18+, UK tax resident, app only
Source, checked September 26, 2026
First period offer
Instant Access new customer boost: 0.51% AER boost on top of the 3.00% standard variable rate, giving 3.51% AER (variable) for the first 12 months
New customers only; reverts to the standard 3.00% AER (variable) after 12 months; 18+, UK tax resident, app only; T&Cs apply
Source, checked September 26, 2026
Finanzguru AT
Current offer
Bonus
Finanzguru Sparbooster: 7 % annual subsidy on reserved points for the Altersvorsorgedepot: 7 % subsidy per year
Reserve Sparbooster points in the app; runs until the Altersvorsorgedepot starts in January 2027; new points reserved automatically; points can be released at any time; not real interest but a subsidy when buying the Altersvorsorgedepot.
Source, checked September 26, 2026
Discount code
Sparbooster cashback vouchers (e.g. adidas and FC Bayern Munich +8 %, IKEA and Zalando +5 %, Deutsche Bahn and Media Markt +3 %): up to 8 % cashback
Base Sparbooster offer free; cashback doubled with Finanzguru Plus; credit withdrawable by real-time transfer from 5 EUR; other brands offer half the cashback without Plus.
Source, checked September 26, 2026
Country by country
| Country | Chip (US) | Finanzguru AT |
|---|---|---|
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Chip (US)
What rate does the Chip Cash ISA pay?+
The headline rate is 4.5%, built from a standard variable rate with a new customer boost added for a set period. After that period the account falls back to the standard variable rate only, which is lower. Because the rate type is variable, the figure can move again after the boost ends.
Is there a monthly fee on the account?+
The monthly fee is £0, so holding the Cash ISA costs nothing each month. The provider also lists a no monthly fee model, which means there is no account charge eating into the interest earned. Interest is paid monthly into the account, so the return reaches you over the year.
Finanzguru AT
What rate does Finanzguru AT offer?+
Finanzguru AT advertises a headline rate of 7%. The rate type is fixed, as shown by fixed. This is higher than bunq at 3.01% and Wise at 3.29%.
Does the account charge a monthly fee?+
The monthly fee is €0. Registration is also free without authentication. These features reduce the account's recurring cost burden, although product costs may still need separate consideration.
Other options to compare
Chip (US)
Finanzguru AT