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The last savings account you'll ever open.

Get the market's best interest rates brought to you. Earn bigger returns in a few taps. Sit back and watch your money grow. Join over 400,000 users today, help us build the world's best savings account.

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4.5 rating on App store

Done in 60 seconds

We've timed it. Honestly! Just enter a few details and you're ready to go.

Bank Connection

Securely connect your bank to Chip through Open Banking in a couple of taps.

Bank Connect


Automate and forget

We use AI and Open Banking data to find the perfect amount to save for you.

You're in control

You can fine tune Chip's AI and set your saving level, or adjust your auto-saves as you go.

Bank Connect

More about Auto-Saves.

Make and hit goals

Put a name on the big things you're saving up for, and split your funds between them.

Save Streaks

Keep on track to hit your goals and resist the urge to skip a save.

Bank Connect


FSCS eligible

Money in Interest Accounts is eligible for the financial services compensation scheme.

Market-leading rates

We continually go to the banks on your behalf to bring you better rates.

Bank Connect

More about Interest accounts

Earn the market's best savings rate.

It's easy access. It's FSCS protected. It's waiting for you.

We're always negotiating with banks to bring the market's best interest rates to you.

Right now, we have the best easy access savings rate on the market - you won't find this anywhere else.


Investments with Chip.

The biggest investment manager in the world is now in Chip.

We've built a simple, hassle-free investment platform. You're going to love it.

Capital at risk.

You're trusting us with your savings. We take that responsibility very seriously.

Look us up

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.

Say hello

You can even write to us: Chip Financial Ltd., 7 Bell Yard, London, WC2A 2JR

Highest grade security

Your data is protected by 256+ bit encryption, 3D-Secure and the latest Open Banking technology.

Talk to real people

Reach our friendly support team seven days week, or email: hello@getchip.uk

Stay on track with Save Streaks.

See how many days you've gone without skipping a save. Eyes on the prize!

More about Save Streaks

Amazing app changed my life

I love this app! I was very sceptical about letting a robot handle my finances, but it does a better job than I could ever do!

Best savings app you can get

Such a simple idea that makes saving as easy as, well having to do absolutely nothing!

Highly recommend

I really like this app, as someone who’s not great at saving, this is brill!

Thank you, thank you, thank you!

Not sure if the team at Chip even read these reviews but I wanted to say a great big THANK YOU!

Zak Mallen

Don’t usually plug these kind of things, but just reached £1k mark in 3 months with @Get_Chip app get on it

Save the day you're paid with Payday Put Away

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.

More about Payday Putaway

Our most frequently asked questions

We guess you'll probably want to know about the below. If you have more questions, read our full FAQs here.

How does Chip know how much to save?

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.

How much does it cost to use Chip? / Is Chip free?

It’s free to get started with Chip. You can enjoy a 28 day trial of our ChipAI plan for free.

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.

How do we store money?

All money you save through Chip can be tracked at all times in the app.

Chip works as a closed loop with your linked bank account. So your money will only ever be moved between your Chip accounts 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 (all new accounts)

Any money you deposit into a savings or investment account through Chip is covered by FSCS.

Where your money is safeguarded, but not covered by FSCS (older accounts only)

Money held in older Chip "e-wallets" 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.

You can no longer deposit into these e-wallets and we strongly encourage all customers with money in an e-wallet to move their balance to one of our new FSCS protected savings accounts.

How do I get started with Chip?

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.

Join over 400k users today, help us build the best savings account in world.

Save effortlessly.
Get Chip today.