Meet Chip. Your wealth savings app.

Different ways to build your wealth through multiple savings accounts. All in one investing and savings app.

Intelligent automatic saving tools.

4.84% AER (variable) on up to £250k from the Chip Instant Access Account.

A savings app trusted by over half a million people.

4.6 rating 25.1k reviews

Available on iOS and android

Charges may apply for additional features. T&Cs apply. 4.74% gross variable, paid monthly. Chip account required.

FSCS covered

All eligible deposits are protected under FSCS up to £85,000.

No withdrawal fees

Deposit or withdraw from our accounts without fees, penalties or reduction in your interest rate.

Award-winning savings tools

Saving tools such as recurring saves helps you achieve your savings goals all in one app.

What is Chip?

An award-winning savings app designed to help build your savings.

Chip offers a range of savings accounts including; the Chip Instant Access Account, the Chip Prize Savings Account and our 90-day notice account. You can build your wealth all in one savings app.

Chip is an app available to download for free on Apple and Android devices. You can get started with depositing and building your savings in minutes.

Intelligent savings tools

A savings app built to grow your wealth.

Chip is an app that helps build your savings without you lifting a finger. Our award-winning auto-saving technology¹, as well as our recurring saves features, helps you grow your wealth and meet your savings goals.

Using artificial intelligence, Chip can calculate how much you can save each month, letting you sit back whilst our app automatically builds your savings.

Recurring saves lets you choose the amount, day of the week and the savings account you want to deposit money into.

¹charges may apply.

Begin building your wealth

Set-up your savings goals in a few taps.

Whether you’re saving up for a rainy day fund, a house deposit or for your next holiday, create the right savings goal for you. All in one app.

You can create multiple savings goals within the app, set-up how you want to allocate your funds from your Chip savings accounts and see how far away you are from achieving your goals.

With Chip, you can be confident that you have a savings app that’s here to help you achieve your financial goals. Calculate your savings interest earned.

Why use Chip as your savings app?

Chip offers various savings accounts all in one app. The Chip Instant Access Account lets you earn competitive interest paid monthly whilst giving you full access to your savings. You could win £10k as well as other prizes from our Chip Prize Savings Account too. With Chip as your savings app, you’ll find new ways to build and grow your wealth.

Invest in whisky

You can't really sell a decent single malt until it's at least 12 years old. And typically the longer whisky matures, the more valuable it gets. So as it matures, so could your investments.

Coming soon

Free account to open with no forms

There’s no application for you to fill out - just connect an existing bank account to the Chip app.

FSCS protection up to £85,000

All eligible deposits made into Chip savings accounts are protected by the FSCS up to £85,000 (subject to scheme conditions).

Open and manage your account with our app

Manage your savings portfolio all within our award-winning savings app.

Award-winning auto-savings tools in app

Use our award-wining savings tools that are designed to help build your savings (charges may apply).

A free savings app with multiple accounts

Chip is a savings app that’s free to download on the App Store and Google Play Store. Get started with Chip in minutes.

Deposit £1 to get started with Chip

You can download the Chip app and open various savings account with a minimum deposit of just £1.

Easy App & Quick
"The app is very easy to use and depositing money into my Chip account is done in seconds without any hassle."

Carolyn
Fantastic app for managing money!
"Chip has completely transformed how I manage my money. Within a year I had reached all my savings goals."

Mark
Great customer service
"Rare these days with other banks but when I contacted Chip with an issue the response was very fast and the problem was immediately resolved. Well done and keep it up!"

Joe

Meet our savings accounts

We currently offer various savings accounts, all in one app.

Instant Access Account

Better returns today, not tomorrow.

Prize Savings Account

Make your savings exciting.

Prize Savings Account T&Cs, eligibility criteria and minimum average balance of £100 applies.

Why The Chip Instant Access Account?

Our easy access savings account is designed to give you a highly competitive interest rate without withdrawal restrictions. At Chip we’re not waiting around for the banks to raise interest rates and give you more for your savings. Calculate your interest rate.

We’re doing things our own way and giving you 4.84% AER on your deposits with our easy access savings account right now. It's free to download the Chip savings app and open your savings account today. Compare savings account rates. *charges may apply for other additional features.

Invest in whisky

You can't really sell a decent single malt until it's at least 12 years old. And typically the longer whisky matures, the more valuable it gets. So as it matures, so could your investments.

Coming soon

Free account to open with no forms

There’s no application or form to fill out - you just need an existing bank account to get started with Chip.

Deposit between £1 and  £250,000 in the account

You can open up our market-leading easy access savings account from just £1 and deposit up to £250,000.

FSCS protection up to £85,000

All eligible deposits made into Chip Instant Access are protected by the Financial Services Compensation Scheme up to £85,000 (subject to scheme conditions)

Regular notifications  when your rate changes

We want to give you a highly competitive interest rate that aims to move with the market - so you don’t have to waste time switching providers.

Open and manage your account with our app

Manage your easy access savings account all within our award-winning app - as well as explore other Chip savings accounts.

Award-winning auto-saving tools in app

Utilise our award-winning saving tools that are designed to help you build your savings - so you can sit back and relax. (charges may apply)

No limit on the number of  withdrawals

Unlike other instant access accounts, there is no penalty for withdrawing. Withdraw as much as you like without any worry.

No minimum withdrawal  amount limit

Whether you want to withdraw £1 or £100, there is no minimum withdrawal amount limit - use your savings how you want to use them.

No notice required to withdraw funds

Our easy access account allows you to withdraw from the account without giving us any notice - withdraw your savings within minutes.

Getting started with our app

Using the Chip app to open a savings account.

We’ve made it easy to start building your wealth in our savings app. Simply download the app via Google Play or the App Store. You can open a savings account in minutes with Chip.

Find the 'Savings' tab

On the ‘Savings’ tab of your Chip app, you can choose from a range of savings accounts offering great interests rates and big prizes.

Connect your bank

In order to make instant saves and withdrawals, you just need to connect your bank. Follow the simple steps to add your account in a few taps.

Start saving!

Make your first deposit via bank transfer, from your Chip savings accounts, debit card orApple/Google Pay and that’s it. Your account is open!

Invest in whisky

You can't really sell a decent single malt until it's at least 12 years old. And typically the longer whisky matures, the more valuable it gets. So as it matures, so could your investments.

Coming soon
Get Started