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.

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.


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

  • "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."

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

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

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

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

Look who's talking

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