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.

That everyone's talking about

It's a clever way to save

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 a quarterly savings bonus equivalent to up to 5% interest AER.

And 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.

These guys love it

  • Amy (23) has just moved to London and started her first job.

    "Having money going into my account regularly was a shock - as was being in London for the first time. I wasn't disciplined enough to budget or save so I ended up spending randomly and had nothing to show for it at the end of the month."

    "I've built up a decent stash already. I feel like I have more control over how I spend my money, and I'm planning a holiday for the summer."

  • Nick (27) is saving for a flat deposit and uses Chip for his short-term fun fund.

    "I don't like to use money from my savings to pay smaller bills or buy little luxuries."

    “I use Chip for short term savings so that I can avoid dipping into the money I’m meant to be putting aside for the future. It’s the ideal accessible fund for stuff like birthday presents and big nights out.”

  • Lydia (28) is making the change from carefree credit card spender to thrifty saver.

    "I usually go a bit mad with shopping and whack it all on the credit card to worry about later, but that’s a nightmare down the line. Taking the thrifty saver approach has been easier than I expected and I hardly miss the money Chip saves for me from my day-to-day life."

    "The biggest difference I've noticed is in how I feel after spending money. I usually feel a bit guilty, but now I know that the money is there because I've saved up, and I'm 'allowed' to spend it."

  • Tom (21) has just graduated and is saving his way out of his overdraft.

    "As a student I played right into the hands of my bank by getting into the habit of ending each term deep into my overdraft, and I'm now in a position where I rely on it. It's interest-free for now, but it won't stay that way forever."

    "I'm keeping my hands off the money Chip saves for me and earning 5% interest on it. As soon as I've got enough to pay off my overdraft completely, I'm going to treat it like a fresh start and try to stay in the black."