Updated September 28, 2026 · SumCue Editorial Team
Chip vs Doutor Financas
Chip
Doutor Financas
Higher score in this comparison
Where Chip and Doutor Financas differ
| Compare | ChipReviewSee alternativesSee alternatives | Doutor FinancasReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 4.5% | 39.9%Higher |
| Minimum deposit | £1 | €1,500 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Flexible cash ISA, on-demand withdrawals arriving next working day, interest calculated daily and paid monthly | PPR SGF Doutor Financas: initial subscription minimum 1,500 EUR, top-ups from 50 EUR (500 EUR for extra top-ups); advised holding period over 5 years; redemption outside listed cases subject to 1% redemption fee in year 1 |
| Monthly fee | £0 | €0 |
| Regulators | Financial Conduct Authority | Not confirmed |
Same on both: Rate type (Variable), 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
- Doutor Financas scores higher overall: 9.1 vs 9.0.
- Founded is lower at Doutor Financas: 2014 vs 2017.
- Headline rate is higher at Doutor Financas: 39.9% vs 4.5%.
- Support channels: only Chip offers Help centre.
- Support channels: only Doutor Financas offers Phone.
- Pricing model: only Chip offers No monthly fee.
- Pricing model: only Doutor Financas offers Monthly.
Our verdict on each
Chip
Chip's Smart Cash ISA pays a variable 4.5% with withdrawals on demand the next working day, and the same app runs investing accounts alongside it. It suits UK savers who want tax-free cash, an interest credit each month and a place to hold investments later, without tying the balance up.
Doutor Financas
Doutor Financas suits Portuguese residents who want a broker to place personal, consolidation or car loans without an upfront fee. The arrangement fee on personal credit is 0 EUR, and it holds a Banco de Portugal licence, so your money moves through a supervised intermediary rather than a lender you choose yourself.
Score breakdown
| Area | Chip | Doutor Financas |
|---|---|---|
| Cost | 8.9A £0 monthly fee on the cash ISA and a 0.25% management fee on the investing accounts, under the 0.35% typically charged. | 9.3HigherPersonal loans carry an origination fee of 0 EUR and 0%, and the savings product charges a €0 monthly fee. |
| Offer | 9.6A 4.5% variable rate on a isa, well above the 3% listing median and the 4.25% cash ISA median. | 9.8Higher |
| Trust | 8.6Higher | 8.5 |
What we checked
Chip
- getchip.uk: 11 facts, checked September 26, 2026
- help.getchip.uk: 2 facts, checked September 26, 2026
Doutor Financas
- doutorfinancas.pt: 11 facts, checked September 26, 2026
- bportugal.pt: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Chip | Doutor Financas |
|---|---|---|
| Pricing model | No monthly fee | Monthly |
| Legal entity | Chip Financial Wealth Ltd | Doutor Financas, Unipessoal Lda (NIPC 513056840) |
| Headquarters | United Kingdom | Portugal |
| Founded | 2017 | 2014Lower |
| Support channels | Email, Chat, Help centre, Community | Chat, Phone, Email, Community |
Robo-advisors
| Fact | Chip | Doutor Financas |
|---|---|---|
| Management fee | 0.25% | Not confirmed |
| Investor protection | FSCS up to GBP 85,000 | Not confirmed |
| Account types | ISA, SIPP | Not confirmed |
| Portfolio types | ETF, ESG, Cash, Crypto | Not confirmed |
Personal insurance
| Fact | Chip | Doutor Financas |
|---|---|---|
| Premium from | Not confirmed | €0 |
| Insurance types | Not confirmed | Auto, Home, Life, Health, Income protection |
| Provider type | Not confirmed | Broker |
| Monthly payments | Not confirmed | Yes |
| Claims channels | Not confirmed | Client support area, Phone |
Mortgages
| Fact | Chip | Doutor Financas |
|---|---|---|
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
| Lender type | Not confirmed | Broker |
Where each stands against the rest
| Fact | Chip | Doutor Financas | Median |
|---|---|---|---|
| Headline rate | 4.5%above the median | 39.9%highest quarter | 3.3% |
Median across 710 listed providers.
Pros and cons
Chip
Pros
- The 4.5% variable rate is above the 3.29% at Wise and the 3.01% at bunq.
- A minimum deposit of £1 makes the account straightforward to open and top up.
- As a isa it takes withdrawals on demand, arriving the next working day, with interest calculated daily and paid monthly.
Cons
- Help runs on email, chat and help centre only, so there is no phone line for anyone who prefers to talk to someone.
- The rate is variable, so the 4.5% is a current figure and can move in either direction.
- Ranked on headline rate Chip comes 113 of 488, so the 4.5% is a strong offer without being top of the field.
Doutor Financas
Pros
- Personal loans are placed with an origination fee of 0 EUR and an origination fee share of 0%
- Early repayment is free, so clearing the balance early costs you nothing extra
- Free early repayment is more common among listed brokers than the site average of 79.2%
Cons
- Applications run a hard credit check, which is the strictest kind and shared by 76.1% of the site's borrowing listings
- Funding takes up to 2 business days after funding, longer than the 57.5% share of listings that promise same day funding
- The PPR product carries a redemption fee in the first year for withdrawals outside the listed cases
Who each suits
Chip
Who it suits
- UK savers who want tax-free cash earning a variable 4.5% and reaching their money the next working day.
- New investors who can begin at £1 and keep cash savings and investments in one app.
- People who would rather hold a variable rate than commit to a term, since the interest here is variable.
Who should look elsewhere
- Savers after a fixed-term product, since the interest here is variable. Finteres, whose listed headline rate runs 0% to 36%, is worth checking for a different rate structure.
- Anyone who wants savings kept well away from markets, since the app also runs investing accounts where a typical retail loss rate is 70.15%. A cash-only balance with bunq or Wise is the simpler route.
Doutor Financas
Who it suits
- Adults resident in Portugal with a permanent or temporary residence title who want personal or debt consolidation credit
- Borrowers consolidating existing debt, since debt consolidation is one of the loan types offered
- Savers building a PPR retirement plan who can leave it for the advised holding period
Who should look elsewhere
- Cashspace, if you would rather open a direct savings account than hold a broker licence in Portugal
- Creduma ES, if an upfront arrangement fee charged only once a solution is found suits you better
- Sofkredit, if you want a competing broker that also states no advance commissions of its own
Current offers
Chip
Current offer
Bonus
Smart Cash ISA new customer rate boost: 4.50% AER (variable tracker) for 12 months
New Chip customers only; 3.50% standard variable AER plus a 1.00% boost for 12 months; cannot be combined with any other Boosted Rate Promotion; 18+ UK tax resident and app only
Source, checked September 26, 2026
Free trial
ChipX membership 28 day free trial: 28 day free trial, then £5.99 every 28 days (paid monthly) or £65.05 paid annually
Upgrade to ChipX membership; standard Chip membership is free
Source, checked September 26, 2026
Country by country
| Country | Chip | Doutor Financas |
|---|---|---|
| Portugal | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Chip
What rate does the Chip Smart Cash ISA pay, and can it change?+
The headline rate is 4.5% and it is variable, so the figure can rise or fall with the market rather than being fixed for a term. The median headline rate on these savings listings is 3%, and the median for cash ISAs is 4.25%, so Chip sits above the middle of both groups.
What kind of account is it, and how quickly can I get my money out?+
It is a flexible cash isa, so the balance is not tied up for a fixed term. Withdrawals are on demand and arrive the next working day, and interest is calculated daily then paid monthly. Anyone planning to leave money untouched for a set period is looking at the wrong kind of product here.
Doutor Financas
What does it cost to take out a personal loan through Doutor Financas?+
The origination fee on personal credit is 0 EUR, and the origination fee share is 0%. The service is presented as a broker, so the rate itself is set by the lender your application goes to. The contact page lists a €0 monthly fee.
Is my money protected when I save or borrow here?+
Savings sit under a deposit protection of EU DGS up to EUR 100,000, which caps what is repaid if a provider fails. On the lending side the company is an intermediary registered with Banco de Portugal, and broker shows it places credit with a partner rather than lending from its own balance sheet.
Other options to compare
Chip
Doutor Financas