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Security report for getchip.uk

Chip · Finance · United Kingdom

Medium risk. 2 critical or high findings in SSL/TLS.

Security score

74/100

Risk levelMedium

0–100, higher is better. How it is calculated

Chip is a UK-based fintech company offering a comprehensive savings and investment app that integrates AI-driven auto-saving features and multiple account types including Cash ISAs and Stocks & Shares ISAs. The company targets individuals seeking to build long-term wealth with ease and convenience, boasting over 500,000 users and strong market presence supported by competitive rates and promotional offers. The website reflects a mature digital infrastructure leveraging modern web technologies, analytics, and marketing tools, ensuring a fast, mobile-optimized, and accessible user experience. Security posture is strong with HTTPS, security headers, and consent management, though explicit incident response and vulnerability disclosure policies are not publicly available. Overall, Chip demonstrates a high level of professionalism, trustworthiness, and compliance with GDPR and UK financial regulations.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

2 findings rated critical or high. Fix these first.

  1. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1
    • High

      SSL Certificate Expires Soon

      SSL certificate expires in 20 days

      What to do: Renew SSL certificate before expiration

      • NIS2 21(2)(h)
      • IR 2024/2690 9.2(c): Implementing Regulation (EU) 2024/2690, Annex point 9.2(c): Cryptography
      • NIST SC-17: NIST SP 800-53 Rev. 5 SC-17: Public Key Infrastructure Certificates

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Keep watching getchip.uk

This scan found 22 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
52
Security headers
60
Email security
80
DNS health
70
Network security
100
GDPR outside view
83
Average
74

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Chip occupies a solid position in the UK fintech market, focusing on personal finance management through savings and investment products. Its business model combines free and premium plans (e.g., ChipX) with revenue from platform fees and memberships. The company leverages partnerships with asset managers and uses affiliate marketing channels. Growth indicators include a large user base, positive reviews, and multiple awards. The ecosystem includes customer support via Intercom and reputation management through Trustpilot. Strategic observations suggest continued focus on user trust, regulatory compliance, and expansion of financial tools.

Security posture

The website exhibits a mature security posture with enforced HTTPS, comprehensive security headers, and use of CAPTCHA to protect forms. Privacy compliance is supported by cookie consent mechanisms and a detailed privacy policy. However, the absence of publicly available incident response and vulnerability disclosure policies represents a compliance gap. The extensive use of third-party analytics and marketing scripts is managed with consent but requires ongoing vigilance to mitigate supply chain risks. No critical vulnerabilities or exposed sensitive data were detected. Overall, the security maturity is good but could be enhanced by publishing explicit security policies and contacts.

Recommendations

  1. Publish a dedicated incident response and vulnerability disclosure policy with clear contact channels.
  2. Provide direct security contact emails such as security@ or abuse@ to facilitate responsible disclosure.
  3. Regularly audit and update third-party scripts to minimize supply chain vulnerabilities.
  4. Enhance transparency on data retention and processing practices to strengthen privacy compliance.
  5. Implement multi-factor authentication for user accounts to improve security posture.

Contact details published on the site

Registration number
registration number 754568
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Chip
Description
Chip is an investing and savings app that allows users to save and invest in funds, general investment accounts, and savings accounts.
Key services
Savings accounts (Cash ISA, Easy Access Saver, Prize Savings Account), Investment accounts (Stocks & Shares ISA, investment funds, ChipX plan), Auto-saving with AI, Financial tools and calculators
Content quality
excellent
Branding
consistent

Technology

Stack
Webflow, Google Analytics, Google Tag Manager, Google Optimize, Hotjar, TikTok Pixel, Facebook Pixel, Visual Website Optimizer (VWO), TVSquared, Bugherd, Intellimize, Finsweet Cookie Consent, Cloudflare Turnstile Captcha
Frameworks
Webflow CMS
Platforms
iOS (app available)
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Cloudflare Turnstile captcha
  • No exposed sensitive data in HTML
  • Secure forms with CAPTCHA
  • Privacy consent management via Finsweet Cookie Consent
  • Multiple tracking scripts with consent management

Analytics and tracking

Services
Google Analytics, Google Tag Manager, Hotjar, Visual Website Optimizer, TVSquared, TikTok Analytics, Facebook Pixel
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google Ads, TikTok Ads, Facebook Ads
Tracking pixels
Facebook Pixel, TikTok Pixel, Hotjar, Visual Website Optimizer, TVSquared
Marketing tools
Intellimize, Finsweet Cookie Consent, Google Optimize, Bugherd
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is a professionally designed fintech platform focused on savings and investments.
  2. Strong use of modern marketing and analytics tools with consent management.
  3. No signs of blocking or WAF challenges; full content accessible.
  4. Multiple user trust signals including reviews, awards, and regulatory protection.
  5. No explicit security incident or vulnerability disclosure policies found.
  6. Contact information primarily via contact form; no direct emails or phone numbers publicly listed.
  7. Robust SSL and security headers implemented.
Technical notes

Notes

The website is built on Webflow CMS and hosted likely on Webflow's infrastructure with Cloudflare protection. It uses a modern tech stack including Google Analytics, Tag Manager, Optimize, Hotjar, TikTok and Facebook Pixels, VWO, TVSquared, and Intellimize for marketing optimization and analytics. Performance is fast with good mobile optimization and accessibility features. The site employs advanced consent management and anti-flicker techniques to improve user experience. Technical risks are minimal but include dependency on multiple third-party scripts which require continuous monitoring. The infrastructure supports a professional and scalable digital presence aligned with business goals.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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