Updated September 29, 2026 · SumCue Editorial Team
Chip vs Finanzguru AT
Chip
Higher score in this comparison
Finanzguru AT
What sets them apart
| Compare | ChipReviewSee 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, on-demand withdrawals arriving next working day, interest calculated daily and paid monthly | Free registration without authentication; over 4,000 banks and providers linkable; Sparbooster credit withdrawable from 5 EUR |
| Monthly fee | £0 | €0 |
| Regulators | Financial Conduct Authority | Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) |
| Minimum deposit | £1 | Not confirmed |
Same on both: Account kind (ISA).
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Key differences
- Regulators: only Chip offers Financial Conduct Authority.
- Regulators: only Finanzguru AT offers Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin).
- Headline rate is higher at Finanzguru AT: 7% vs 4.5%.
- Support channels: only Chip offers Chat, Community.
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.
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 | Finanzguru AT |
|---|---|---|
| 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. | 9.1HigherThe account carries a monthly fee of €0, while registration is free. |
| Offer | 9.6HigherA 4.5% variable rate on a isa, well above the 3% listing median and the 4.25% cash ISA median. | 9.1The headline rate is 7% with a fixed rate of fixed. |
| Trust | 8.6 | 8.8Higher |
Choosing between them
Pick Chip if offer matter most.
Pick Finanzguru AT if headline rate matter most.
Where each is licensed and available
| Country | Chip | Finanzguru AT |
|---|---|---|
| Germany | Not confirmed | IHK Frankfurt am Main D-LVC7-NRKYT-67 |
| United Kingdom | Financial Conduct Authority 911255 | Not confirmed |
Additional countries for Chip: 1. Additional countries for Finanzguru AT: 1.
Also worth a look
Plazo ES has headline rate at 24.19%, against 4.5% for Chip and 7% for Finanzguru AT.
Plazo ES reviewHow they place
| Ranking | Chip | Finanzguru AT |
|---|---|---|
| Savings | 428 of 1492 | 439 of 1492 |
| Investing | 188 of 654 | 198 of 654 |
| Robo-advisors | 50 of 154 | 52 of 154 |
| Cash ISAs | 6 of 11 | 7 of 11 |
Every fact side by side
| Fact | Chip | Finanzguru AT |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Chip Financial Wealth Ltd | dwins GmbH |
| Headquarters | United Kingdom | Germany |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Chat, Help centre, CommunityCovers more | Email, Help centre |
Robo-advisors
| Fact | Chip | Finanzguru AT |
|---|---|---|
| Management fee | 0.25% | Not confirmed |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Account types | ISA, SIPP | Not confirmed |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF |
Where each stands against the rest
| Fact | Chip | Finanzguru AT | Median |
|---|---|---|---|
| Headline rate | 4.5%above the median | 7%highest quarter | 3.3% |
| Minimum deposit | £1at the median | Not confirmed | £1 |
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.
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
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.
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
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
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 | Finanzguru AT |
|---|---|---|
| Germany | 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.
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
Finanzguru AT