This is how it works
Plug Chip into your current account.
Give Chip read-only access to your current account (your details are protected using 256-bit bank-grade encryption).
Chip works with Barclays, HSBC, Santander, Lloyds, NatWest, Nationwide, RBS, TSB, Halifax, First Direct, Co-operative Bank and Metro Bank accounts.
Empower yourself with intelligent spending analytics.
Chip analyses your transaction data to give you intelligent insights about how your current spending compares to previous months.
Save automatically and hit your goals without even trying.
Chip's AI-powered algorithm calculates how much you can afford to save, and puts it away for you automatically.
Get out of your overdraft.
You can save even when you're overdrawn, making it easier to build up savings and use them to pay off your overdraft all in one go.
Access instant Smart Overdraft(BETA)
Smart Overdraft is flexible, transparent and cheaper than your bank's overdraft. Best of all, it pays itself back automatically. We think it’s going to change the way people think about money forever.
It's fully secure
Chip is regulated by the Financial Conduct Authority
256-bit bank grade encryption
Data is protected by bank-grade security, and we never store any of your information.
Your Chip savings account
The money Chip saves for you is held in an instant-access account in your name at Barclays.
Live Chat customer support
Chat with us 9am-6pm, Monday to Friday. Questions answered; problems solved.