The automatic savings app

Automates Chip

Chip automatically saves for you,
based on your recent spending.

Saves Chip

Save more, save less or access your savings any time.

Earn Chip

Earn up to 5% interest by inviting friends.

How it works

Create a Chip savings account and connect your current account.

Chip currently works with Barclays, HSBC, Santander, Lloyds, NatWest, Nationwide, RBS, TSB, Halifax, First Direct, Co-operative Bank and Metro Bank.

Chip calculates how much you can afford to save, without having an impact on your day-to-day life.

Chip’s intelligent algorithm does this automatically so you don’t need to think about it.

Every few days, Chip automatically transfers small amounts to your savings account.

If you’ve been spending more than usual, Chip will transfer less. Spend a bit less and Chip will transfer more.

Withdraw your savings back to your current account whenever you want. There are no fees or limits.

Money in your Chip account is held at Barclays Bank PLC . For more information visit

Earn up to a 5% bonus for inviting friends.

Chip pays monthly savings bonuses equivalent to 5% interest per anum.