We took five with policewoman and Chip saver, Lucy, to hear how things have changed for her since lockdown began, particularly for someone working on the frontline of a pandemic.
With time apart from loved ones, postponed trips and unusual work schedules, COVID-19 has undoubtedly had a major influence on the way key workers spend and save their money.
However, it has been heartwarming to hear of some of the positive stories and plans to come out of a time of distress, and this is one of them.
We would also like to take this opportunity to say a massive thank you to all our NHS, emergency and essential workers keeping us safe, supported and connected.
Lucy: I have always been rather bad at putting money aside.
As soon as i move the money, I pull it straight back out as I can still see it sitting in my bank account waiting to be spent.
But with Chip, I don't even notice the money being put aside.
I almost forget I have the app until I get the notification letting me know how much money I'm stashing away.
The original plan was to use Chip to save for birthday presents for my family and friends so I didn't feel all my money leaving my account in one big hit, leaving me with only pennies until the next payday.
Lucy: My original goal was to save £200 for birthdays and Christmas, which I hit within a month. This has now gone towards helping my family with bills in the current crisis.
Now, I plan to [use Chip as a way] to help pay for a holiday to treat the other half!
As I am working front line in the emergency services in this current pandemic, I can't spend any time [with my partner] as I have to isolate for my work and am currently living apart, so I am looking forward to spoiling them with a holiday in the sun!
We have currently been apart for around seven weeks now (since day one of lockdown), and I will have to keep away until lockdown and social distancing is over.
So, I am planning on spending a lovely 10 days in Mauritius (if that happens is another thing!). If not, it just gives me more time to save so there is always a positive out of a negative isn't there!
Lucy: I'm normally rather naughty when out on shift. If I have a sneaky five minutes, i’ll go and grab a drink from a drive through, which really adds up. But hey, you've got to grab a nice hot choccy when you can!
I tend to pay for these out of my Chip account as I don't feel as bad doing that knowing a few days later I'll be putting another £15+ away.
Chip also pays for any cake fines I might work up through the shifts!
Lucy: A cake fine is made when you make silly mistakes at work.
Like accidentally pressing your red button on your radio so everyone starting running round trying to find you.
Lucy: Chip is a very easy app to work round and I love that it gives you the option to make extra manual saves, too!
I have not a bad word to say about Chip.
Now I’ve started, I will never look back. Chip is the way forward.
Remember your Capital is at Risk and past performance is not a reliable guide to future returns. The value of your investment can go down as well as up and you might get back less than you originally invested.