The smart alternative to keeping your money safe and under your control


immediate access to your money wherever you are

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Your money is safe

Your money is safe

When you receive money from another CHIPS user, or a CHIPS-enabled business or organisation, your money is stored in your account in the CHIPS Value Store. 

All funds held in the CHIPS Value Store are kept in a fund protected by legislation and are managed by a regulated financial services entity.  

Legislation dictates that your money, held in the Value Store, under no circumstances forms part of the assets or funds of the financial entity itself.  Should anything go wrong with the company administering the CHIPS Value Store, your money is safe from its creditors because your funds are invested in a protected fund and not in the financial entity itself.  Your funds can simply be transferred to another financial entity to take over the management of the fund. 

Unlike with the bank, your money in the Value Store is insured against internal fraud, dishonesty or negligence on the part of the financial entity managing your funds. Therefore, you do not run the risk that corrupt or incompetent employees could cause you to lose your money held in the CHIPS Value Store.


Your money earns interest

Your money earns interest

Your money in the CHIPS Value Store earns interest without any associated costs (for example monthly fees or administrative fees) that eat up the interest earned.

As the usage of CHIPS grows, the interest rate that you will earn will increase due to the fact that CHIPS will be able to negotiate better rates with the financial institutions.

You will receive your interest monthly into your CHIPS Value Store account and it will be reflected in the Savings function of your Money Manager app.

Your money is available to transact

Your money is available to transact

Using the CHIPS Money Manager app you can easily access your money to do transactions with merchants, service providers as well as individuals that you would typically give money to, for example -

  • Paying for products and services
  • Paying your bills
  • Buying airtime, data, electricity, bus tickets, etc – without leaving your home
  • Requesting payment from others
  • Receiving payment from others, including salary, wages and donations
  • Withdrawing cash at bank ATM, merchant point of sale or from other users
  • Transferring money to bank accounts and vice versa

A major benefit of CHIPS is that when you receive payment for goods or services, or receive money from employers, other individuals or any other CHIPS user, the money is immediately available to use.

You can send money to anyone

You can send money to anyone

Sending money is easy and fast. 

You can send money to the following CHIPS users -

  • Any user that you have chosen to link to in the Money Manager app
  • Any one of your phone contacts
  • Any mobile number that is linked to a CHIPS account

You can also send cash to anyone, even if they are not CHIPS users themselves, by using their mobile number.

You can get cash back

You can get cash back

By simply downloading CHIPS Money Manager and registering as a user you open the possibility of getting cash rewards from purchases at merchants and service providers, loaded automatically into your CHIPS account.

You can earn money

You can earn money

CHIPS presents a number of income generation opportunities for its users, namely:

Inviting other individuals to join CHIPS, you will share in the transaction fees earned by Trustlink.

You can invite others to join CHIPS by simply selecting their phone numbers in your contact list, using your Money Manager app.  You can also enter the person’s phone number if he/she is not already in your contact list.

The app will display the message to be sent to the selected contact/s.  You can change the message as you like.  If the person uses the hyperlink, provided in the message, to download the Money Manager app, your details will be linked to the user’s profile in order for you to earn a share of Trustlink's transaction revenue, on future CHIPS transactions done by the person invited.

Referral earnings will be paid to you for as long as the person referred by you uses the app downloaded as a result of your invitation.

About Trustlink

Trustlink (Pty) Ltd is a South African company, established in 2002. Since its inception, Trustlink is a trusted payment and solution provider to banks, other financial institutions and blue chip corporates in Sub Saharan Africa.  Trustlink is also the SWIFT business partner in the region. Trustlink now offers CHIPS, as a service, under license, to the South African consumers, business and other organisations, as well as government.


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