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Download Chip, the savings and investments platform of the future.

With access to the best return on easy-access savings in the UK, award-winning automatic-saving AI, and investment funds* powered by BlackRock - the biggest investment manager in the world, your future starts with Chip.

We’re not a bank, we’re not just another budgeting app - Chip is the future of savings.
We have over 350,000 (and growing) users, and we’ve automatically saved our customers almost £0.5 billion. In just a few minutes you can:


Auto-save with our award-winning AI: Securely connect Chip to your bank and access our award-winning AI to save the perfect amount of money for you every few days, based on your goals and spending habits.

Set up saving rules, like Payday Put Away, too, helping you save more the day you’re paid.


Earn the best return on easy-access savings: Unlock our Chip+1 account to earn a 1.25% (variable) bonus. T&C’s and eligibility criteria apply.


Invest seamlessly into a range of three multi-asset consensus funds powered by BlackRock, the biggest fund manager in the world, with over £9 trillion in assets, and over 50 years’ experience in the UK.

*Remember, with investments, your capital is at risk. The value of your investments can go down as well as up and you may get back less than your original investment.


Enjoy top-tier security, because your savings should make you feel safe, we’ve built in security from the ground up. We protect your data with 256 bit encryption, 3D-Secure and the latest Open Banking technology. The Chip+1 account and Interest Accounts are provided by UK registered banks and eligible for the Financial Services Compensation Scheme (FSCS).

Find us on the FCA and DPO registers, or read about us in all major newspapers like The Guardian, Metro, Evening Standard, BBC News, Money Saving Expert and more. Or you may have even caught us on ITV or Sky News.

We’ve been named AltFi’s Wealth Management App of the Year 2020, and we’ve picked up numerous awards at the highly prestigious British Bank Awards and, most recently, were recognised as a Customer Service Champion and the Best Personal Finance App. Putting us ahead of the likes of Moneybox, Plum, Monzo, Starling, Revolut, Money Dashboard, Yolt.

And if you want to talk to us, our UK-based support team is available seven days a week.

We’re already trusted by hundreds of thousands of people, and we’re backed by a 16,000-strong investor community, so you’re in good company.

Download Chip today - the app that works hard, so one day, you don’t have to.

What’s New

Version 4.12.1

Someone wise once said "to be perfect, is to be always improving." And we're not going to claim to be perfect, but we are always improving Chip.
This update is what we call in the app biz, a "hotfix".
It's just some small bug fixes and minor tweaks in our onboarding for new users.

Ratings and Reviews

4.5 out of 5
10.5K Ratings

10.5K Ratings

SwanseaCityFan ,

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 because with your help I've succesfully saved for my dream travelling holiday. I have the 5% interest (I was a very early sign up so got this without refering people which proabbly does make it slightly more appealing to me then than it does now) which is miles better than anything else on the market. Whilst my friends were trying all these small tips and tricks to put away money I knew that I had a handy little app which put my spare cash away for me. Like a few reviews I've read, I did experience a few technical issues but on every occasion I was quickly able to be connected through live chat to a member of staff who resolved the problem for me. I think the interface is super user-friendly and it really makes saving more of a fun achievement than a chore. Having the quarterly interest payments incentivised me not to withdraw money on a whim, like I have done with other savings accounts. Also, there have been occasions where chip have messed up but everytime the problems have been resolves quickly, efficiently and professionally.

This review probably sounds like I've been paid to write it or that i'm a member of staff (that's what I normally expect from a great review) but I honestly just love this saving app.

Thanks a lot and if you haven't got it yet, get on it!

Developer Response ,

Hey there,

Thank you so much for your lovely comment! We're delighted that you're enjoying using the app, and have managed to save up for your dream holiday! Please let us know if there's anything else that we can do to make your user experience even better :)



Misstah ,

Works brilliantly at saving for you

I’ve used this app for quite a few months now and wanted to see how well it works before I posted a review. I have very little income as I only work part time and I really didn’t think it would be possible to save anything as I’m barely left with £10 at the end of the month. I’ve managed to save £80 not including a couple of withdrawals I’ve done. It may not seem a lot but every penny counts. It hasn’t messed any bills up yet that are on direct debit as it knows what’s to be paid and when by giving the app access to see your account and it sets up a direct debit to withdraw money into your chip account. I have withdrawn money from chip before and it was quick and easy. It really couldn’t be any simpler and hassle free. I would definitely recommend it even if you're only income is benefits as you maybe able to put aside a couple of quid here and there. As it’s not a part of my normal banks online banking I’m a lot less likely to withdraw because I don’t see the money sitting there!

Developer Response ,

Thank you for your review! Keep on Chippin' :)

Kind regards,


ffspeople ,

Not everything gets better with age

Been with you since the beginning pretty much and although I am REALLY poor, I was impressed that you managed to sneak money away from me and I could actually save... very cool! BUT now, not so good, the bigger and more popular chip has got it seems they have changed the way the program runs too much and bought in changes they thought would be better for the mass... thus no longer being any use for people like me. There is too much lag and they seems to sneak the cash from you now in more noticeable times which is not very good as monitoring my account is pretty easy. There is spending for a day or 2 when money goes in and then it’s all gone. So when take the money from my account days after money going in, it might only be a couple of pounds which doesn’t seem like much to some. Some of us however rely on that to buy a loaf of bread or a meal for the kids... yeah, it’s that bad, but in the beginning this app was advertised as being aimed at people like me. I’m sad to say it no longer works like it did if you really are in poverty. I link the app makers are more interested in more downloads then the customer base they first aimed at. Such a shame as I told everyone in the early days how wonderful this app was, now I swear every time it touches my pennies. 😏

App Privacy

The developer, Chip Financial Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Contacts
  • User Content

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

  • Siri

    Get things done within this app using just your voice.

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