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Head-to-head · Savings Apps

Chime Workplace vs Chip

  • Updated Oct 2026
  • Both researched from official sources
  • 1 check side by side
Higher score Chime Workplace #3 in Savings Apps 8.1/10 Free plan Free plan✓ 0 of 4 features Visit Chime
Chip #4 in Savings Apps 7.9/10 Free plan · 28-day trial Free planFree trial✓ 0 of 4 features Visit Chip

Chime Workplace leads on 0 checks, Chip on 0, and 1 is even. Who comes out ahead on the 1 yes/no, price and count check where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreChime Workplace · 8.1/10
  • Free planboth
  • Free trialonly Chip

Chime Workplace scores higher on our rubric for savings apps: 8.1 against 7.9 out of 10; our editors rank them #3 and #4.

Chime Workplace is the better fit for employees saving through employer financial wellness. Chip is the better fit for UK savers wanting automated, goal-based savings.

  • Chime Workplace fits best

    Employees saving through employer financial wellness

  • Chip fits best

    UK savers wanting automated, goal-based savings

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Side by side

Feature Chime Workplace 8.1/10 Visit ↗ Chip 7.9/10 Visit ↗
At a glance
Editor score 8.1 7.9
Ranking #3 in Savings Apps #4 in Savings Apps
Best for Employees saving through employer financial wellness UK savers wanting automated, goal-based savings
Pricing model Free Free plan + paid
Starting price Free plan £65.05/yr
Free plan ✓ ✓
Free trial — 28 days
Deployment Cloud, Mobile Mobile
Platforms Web, iOS, Android iOS, Android
Support Phone, Docs Email, Live chat, Docs
Integrations 6 integrations 2 integrations
Built for Small business, Mid-market, Enterprise Solo, Small business
Features Chime Workplace 0/4 · Chip 0/4
Round-up saving Not checked yet Not checked yet
Scheduled transfers Not checked yet Not checked yet
Savings goals Not checked yet Not checked yet
Shared goals Not checked yet Not checked yet
Specs
Savings account access Not checked yet Not checked yet
Withdrawal timing Not checked yet Not checked yet
Our review
Pros
  • Automatic and round-up savings complement high-yield savings.
  • Includes one-to-one certified coaching and financial education.
  • Connects with Workday, UKG, ADP, Paychex, Gusto and SAP.
  • AI autosaves use linked income and spending analysis.
  • Savings Plans support recurring deposits and dated savings goals.
  • Offers instant or near-instant withdrawals from savings.
Cons
  • Savings is one part of a broader workplace-finance offering.
  • Some optional Chime services may carry fees.
  • Employer reporting and integrations center the product on workplace use.
  • Basic charges 45p per autosave.
  • The app is mobile-only, with no web banking interface.
  • ChipX costs £5.99 every 28 days or £65.05 annually.
Our verdict

Chime Workplace brings savings, wage access, credit tools and financial support into an employee financial wellness offering. Employers provide access to a platform where employees can use high-yield savings with automatic and round-up…

Read the review →

Chip is a UK-focused mobile app for saving, investing and pension management, aimed at people who want to automate deposits and organise money around specific goals. Its savings options include instant-access, easy-access and prize savings…

Read the review →
  1. Chime WorkplaceSavings Apps 8.1Free plan
  2. ChipSavings Apps 7.9Free plan · 28-day trial

Strengths and trade-offs

  • Chime Workplace — where it wins

    • Automatic and round-up savings complement high-yield savings.
    • Includes one-to-one certified coaching and financial education.
    • Connects with Workday, UKG, ADP, Paychex, Gusto and SAP.

    Where it doesn't

    • Savings is one part of a broader workplace-finance offering.
    • Some optional Chime services may carry fees.
    • Employer reporting and integrations center the product on workplace use.

  • Chip — where it wins

    • AI autosaves use linked income and spending analysis.
    • Savings Plans support recurring deposits and dated savings goals.
    • Offers instant or near-instant withdrawals from savings.

    Where it doesn't

    • Basic charges 45p per autosave.
    • The app is mobile-only, with no web banking interface.
    • ChipX costs £5.99 every 28 days or £65.05 annually.
  • Chime Workplace8.1/10 · Free plan

    A free workplace finance platform that pairs savings tools with wage access and employee support.

    Visit ChimeFull verdict →
  • Chip7.9/10 · Free plan · 28-day trial

    A mobile savings app pairing automated deposits and goals with savings and investment accounts.

    Visit ChipFull verdict →

More comparisons

All savings apps comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update