Join the 300,000 people changing saving.
Join over 250,000 who are already using Chip.
more about automatic saving
Join the 300,000 people changing saving.
Invite a friend. You both get a 1.25% return.
Download Chip, the automatic savings app. We use AI to save up money for you and get you better returns, all automatically.
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Invite a friend. Join the party. You both get 1.25% (variable).
Our new Chip+1 account offers the market's best return on easy access savings.
Simply bring a friend into Chip to unlock the account.
We like to make money fun and easy. But you're trusting us with yours and we take that responsibility seriously.
We're authorised by the FCA and you can find us on the ICO register. We encourage everyone to read our terms of use and privacy policy.
You can even write to us (or stalk us on street view): Chancery House, 64 Chancery Lane, London, England, WC2A 1QU
Your data is protected by 256+ bit encryption, 3D-Secure and the latest Open Banking technology.
Reach our friendly support team through Chip's in-app live chat seven days week, or email: hello@getchip.uk
See how many days you've gone without skipping a save. Eyes on the prize!
We've made it easy for you to save on pay day. Simply set your pay date and choose an amount to put away each month.
Exclusive insights
New competitions
Free goodies
VIP early access
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We guess you'll probably want to know about the below. If you have more questions, read our full FAQs here.
Chip analyses your transactions and calculates what you can afford to save every few days. You're still in control and can cancel or amend any of your auto-saves before they happen.
To put it simply, if you spend more, we'll save you a bit less. And if you spend a bit less, we'll save you a bit more. Our AI also learns, so if you skip or edit saves, Chip will take note and save you a bit more or less in the future.
The whole idea is you wont miss the money you save. Just leave Chip ticking over, come back in a few weeks and crack a smile at how much you've saved up.
It’s free to get started with Chip. The first £100 you auto-save with Chip’s AI is a free trial.
After your free trial expires, you can keep using the unlimited ChipAI plan (£1.50 every 28 days) with full access to our award winning unique AI, or downgrade to our free but limited ChipLite plan whenever you want.
Read more about our price plans here.
The money Chip automatically saves for you can be seen at all times in your Chip account.
Chip works as a closed loop with your linked bank account. So your money will only ever be moved between your Chip account and your bank.
Chip is authorised by the Financial Conduct Authority under the Payment Service Regulations 2017 no. 911255 for the provision of payment services.
Chip is not a bank. We provide access to savings accounts with UK authorised partner banks that are covered by the Financial Services Compensation Scheme (FSCS), and an e-money wallet with a UK authorised e-money provider.
Where your money is FSCS eligible
• The Chip+1 account is powered by the UK registered bank, ClearBank, and funds held there are eligible for FSCS.
• If you open an Interest Account your money is stored with a partner bank in an FSCS eligible savings account.
Where your money is safeguarded, but not covered by FSCS
• Money held in your main Chip account (you "e-money wallet") is stored as e-money and is not covered by FSCS. We work with electronic-money specialists PFS (Prepaid Financial Services FRN: 900036) to store your money. PFS store the money with a major retail bank in a ‘ring-fenced’ account, which means it’s never used for any trading activities.
To get started you'll need either an iOS or android phone. Simply download Chip from your App Store or from Google Play, and the app will walk you through the rest.
Chip is only available to people aged over 18 in the UK.
We fully connect with 17 UK banks: Bank of Scotland, Barclays, Danske, First Direct, HSBC, Halifax, Lloyds Bank, Marks & Spencer, Monzo, Nationwide, Natwest, RBS, Revolut, Santander, Starling, TSB, Ulster Bank.
If your bank isn't on this list (eg Metro Bank, Tesco Bank, Co-operative Bank) you can't currently connect to Chip.
