From project start to live launch
In assets under administration (2024)
Opened across 52,909 customers
Processed in a single month (June 2025)
Completed in one month (July 2025)
The challenge: making investing as effortless as saving
Chip had built a strong reputation for helping customers save effortlessly, with features like Chip+1 and Payday Put Away. But savings were just the beginning. To truly support their customers' financial lives, the team wanted to provide a path from short-term saving into long-term investing.
The vision was clear: deepen customer engagement, deliver a more complete proposition, and give people the confidence to grow their wealth for future milestones like retirement or a first home. The execution, however, required a partner who could help Chip move at fintech speed. It needed to get to market in months, not years, and to do so without the costs, inefficiencies and manual processes that come with most traditional providers.
The solution: automated, API-first investing
Seccl gave Chip exactly what it needed: an API-first, fully automated investment infrastructure that could scale with its ambitions. By integrating directly into our custody and trading systems, Chip was able to embed investing into its app, with no added friction for users.
"Technology is key to us achieving our ambitions at Chip. Being an app-first company, we need to ensure that we can integrate correctly. "What led us to Seccl in the first place was that it's API-first and has a seamless integration offering" explains Beccy Parkin, Principal Operations Manager, Chip. "I can see a lot of similarities between Chip and Seccl when it comes to our approach to building products — we are both ambitious, agile and nimble" adds Simon Rabin.
Seccl acts as custodian and ISA manager for Chip's investment proposition, safeguarding customer cash and assets, while our API also handles the trading and settlement. Customers can open and fund accounts in minutes, and orders are routed straight to market.
Because everything is automated, Chip and its customers benefit from a stocks and shares ISA that feels as simple as saving. No paperwork. No manual processes. Just fast, straight-through digital investing.
Things can move very slowly in the world of finance, but we were determined to bring our customers investment products as soon as possible to answer their need for more democratised wealth-building tools. Seccl's technology has allowed us to do exactly that and will further enable us to expand our investment platform offering in the future.
The impact: effortless investing, rapid growth
With Seccl powering its stocks and shares ISA, Chip has made investing a natural extension of saving. Customers set their preferences once and auto-investing takes care of the rest — growing their money without complexity.
The results speak for themselves. Assets under administration are up 245% year-on-year, with more than 56,000 accounts opened. June 2025 saw over 180,000 transactions processed end-to-end, with no friction. A month later, transfers worth £715,000 went through just as smoothly — reflecting both the efficiency of our processes and the strong engagement of Chip's investors.
"Seccl is the backbone of our investment strategy: from our award winning onboarding to our AI-driven investment deposits, they are key to enabling that", explains Beccy. "The ongoing support from Seccl is great too. Regular catch ups, quick responses and a shared commitment to innovation make this a great partnership."
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