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Updated September 29, 2026 · VaultCue Editorial Team

Chip vs Finanzguru AT

Chip scores 9.2 and Finanzguru AT 9.1 out of 10. Compare their differences and shared features below.
Chip

Chip

Higher score in this comparison

9.2/10
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Finanzguru AT

Finanzguru AT

9.1/10
See alternatives

What sets them apart

Chip vs Finanzguru AT
CompareChipChipReviewSee alternativesSee alternativesFinanzguru ATFinanzguru ATReviewSee alternativesSee alternatives
Headline rate4.5%7%Higher
Rate typeVariableFixed
Deposit protectionFSCS up to GBP 85,000EU DGS up to EUR 100,000
Access termsFlexible cash ISA, on-demand withdrawals arriving next working day, interest calculated daily and paid monthlyFree registration without authentication; over 4,000 banks and providers linkable; Sparbooster credit withdrawable from 5 EUR
Monthly fee£0€0
Minimum deposit£1Not confirmed

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 scores higher overall: 9.2 vs 9.1.
  • 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 suits UK savers who want a flexible cash ISA with no term to serve and money they can reach. Withdrawals are on demand and arrive the next working day, and the balance is covered by FSCS up to GBP 85,000 under a Financial Conduct Authority licence in the United Kingdom.

Read the full Chip review

Finanzguru AT

Finanzguru AT suits savers who want to run everything from one online view, and who value a balance covered by EU DGS up to EUR 100,000. Readers who want a rate that follows policy moves, or who need help beyond email and help centre, should read the terms first.

Read the full Finanzguru AT review

Score breakdown

Chip vs Finanzguru AT
AreaChipFinanzguru AT
Cost8.9Monthly fee of £0 under a no-fee model, with an opening deposit of just £1, keeps holding costs low.9.1HigherThe monthly fee is €0 and the model is no monthly fee, so holding the product costs nothing to run.
Offer9.7HigherA variable rate of 4.5% on a flexible cash ISA, with interest worked out daily and no term to serve.9.1A fixed rate of 7% on the Sparbooster, above the site median of 3% but mid-table at 56.

Which one suits you

Pick Chip if offer matter most.

Pick Finanzguru AT if headline rate matter most.

Also worth a look

Amonatbonk has headline rate at 13%, against 4.5% for Chip and 7% for Finanzguru AT.

Amonatbonk review

Sources behind this comparison

Chip

  • getchip.uk: 9 facts, checked September 26, 2026
  • help.getchip.uk: 2 facts, checked September 26, 2026

Finanzguru AT

  • finanzguru.de: 9 facts, checked September 26, 2026
  • portal.mvp.bafin.de: 1 fact, checked September 26, 2026

How they place

Chip vs Finanzguru AT
RankingChipFinanzguru AT
Savings accounts179 of 1420270 of 1420
Cash ISAs2 of 113 of 11

Every fact side by side

Chip vs Finanzguru AT
FactChipFinanzguru AT
Pricing modelNo monthly feeNo monthly fee
Legal entityChip Financial Wealth Ltddwins GmbH
HeadquartersUnited KingdomGermany
Support channelsEmail, Chat, Help centre, CommunityCovers moreEmail, Help centre

Everyday accounts

Chip vs Finanzguru AT
FactChipFinanzguru AT
FeaturesNot confirmedDigital only

Where each stands against the rest

Chip vs Finanzguru AT
FactChipFinanzguru ATMedian
Headline rate4.5%above the median7%highest quarter3.25%
Minimum deposit£1at the medianNot confirmed£1

Median across 658 listed accounts.

Pros and cons

Chip

Pros

  • A headline rate of 4.5%, above the lower quartile rate of 3.97% across the cash ISAs in the comparison.
  • Deposits are covered by FSCS up to GBP 85,000, and the account is regulated in the United Kingdom by the Financial Conduct Authority under licence 911255.
  • On-demand withdrawals arrive the next working day, so part of the balance can be reached without closing the account.

Cons

  • The rate is variable, so the headline rate of 4.5% can move in either direction and no return is locked in.
  • Support runs on email, chat and help centre, with no phone channel among the options, so a query has to be written down.
  • Interest is worked out each day but paid once a month, so credited interest lags what the balance has accrued.

Finanzguru AT

Pros

  • Balances sit under EU DGS up to EUR 100,000, so the money has a named scheme behind it.
  • Registration is free without authentication, and a wide range of banks and providers can be linked into a single view.
  • The intermediary registration D-LVC7-NRKYT-67 gives readers a named German body to check and a claim to make.

Cons

  • Support runs on email and help centre only, so a question about the savings product gets no phone answer.
  • The service is digital only, which keeps every task on screen with no counter service for readers who prefer face-to-face help.
  • On the site's headline rate table the 7% ranks at 56 of 473 brands compared, so it is competitive without sitting among the highest figures.

Who each suits

Chip

Who it suits

  • UK savers who want a cash ISA paying a market rate without locking money into a fixed term.
  • Anyone who needs part of the balance reachable quickly, with withdrawals landing the next working day.
  • Savers who are comfortable with a rate that moves, since the account pays a variable rate on a flexible basis.

Who should look elsewhere

  • PayPal Colombia, whose headline rate of 3.3% sits below Chip's 4.5%, so the rate comparison does not favour it.
  • AXI Card Tarjeta y Credito, listed at 21.59%, for readers chasing the largest rate figure rather than UK deposit cover.

Finanzguru AT

Who it suits

  • Readers in DE who want savings managed entirely online and priced at €0 a month.
  • Savers planning ahead who prefer a fixed return of 7% that does not move with policy decisions.
  • Anyone who wants many banks and providers gathered in one view rather than a single-provider account.

Who should look elsewhere

  • Borrowers rather than savers: AXI Card Tarjeta y Credito and Plazo ES advertise 21.59% and 24.19% on credit terms, so they answer to revolving balances rather than to the EU DGS up to EUR 100,000 cover behind this account.
  • Readers after a plain everyday balance: PayPal Colombia pays 3.3%, far below the 7% here, so it suits a small pot that only needs to earn something.

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

Chip vs Finanzguru AT
CountryChipFinanzguru AT
GermanyNoYes
United KingdomYesNo

Questions about each

Chip

What interest rate does the Chip Smart Cash ISA pay?+

The Smart Cash ISA pays a headline rate of 4.5% on a variable basis, so the figure moves with the market rather than being fixed for a term. That sits above the lower quartile rate of 3.97% across the cash ISAs in the comparison.

Is it an ISA and can I get my money out quickly?+

It is a isa, and Chip lists the same product under its savings accounts. Withdrawals are on demand and land the next working day, and interest is worked out on the balance every day. There is no fixed term to run out, so money can move in and out as needed.

Finanzguru AT

What rate does the Sparbooster pay?+

The Sparbooster pays a fixed rate of 7%. A fixed rate means the return does not shift with policy rate decisions during the term, which helps when you are saving towards a set date. The figure sits above the site median of 3%.

What does it cost to hold the account?+

Holding the account costs €0 a month, and the product is built as no monthly fee. Registration is free and needs no authentication, so opening it adds nothing to the running cost, and the site median monthly fee is €0.

Other options to compare

Chip

See alternatives

Finanzguru AT

See alternatives