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Head-to-head · Savings Apps

Chip vs Capital One AutoSave

  • Updated Oct 2026
  • Both researched from official sources
  • 3 checks side by side
Chip #4 in Savings Apps 7.9/10 Free plan · 28-day trial Free planFree trial✓ 0 of 4 features Visit Chip
Capital One AutoSave #7 in Savings Apps 7.9/10 Free plan Free plan✓ 1 of 4 features Visit Capital One

Chip leads on 0 checks, Capital One AutoSave on 0, and 3 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Free planboth
  • Free trialonly Chip
  • Most featuresCapital One AutoSave · 1 of 4

Chip and Capital One AutoSave score identically on our rubric (7.9 out of 10) for savings apps; Chip sits at #4 and Capital One AutoSave at #7 in our editorial ranking, so the choice comes down to fit.

Chip is the better fit for UK savers wanting automated, goal-based savings. Capital One AutoSave is the better fit for capital One customers scheduling transfers to savings.

  • Chip fits best

    UK savers wanting automated, goal-based savings

  • Capital One AutoSave fits best

    Capital One customers scheduling transfers to 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 Chip 7.9/10 Visit ↗ Capital One AutoSave 7.9/10 Visit ↗
At a glance
Editor score 7.9 7.9
Ranking #4 in Savings Apps #7 in Savings Apps
Best for UK savers wanting automated, goal-based savings Capital One customers scheduling transfers to savings
Pricing model Free plan + paid Free
Starting price £65.05/yr Free plan
Free plan ✓ ✓
Free trial 28 days —
Deployment Mobile Cloud, Mobile
Platforms iOS, Android Web, iOS, Android
Built for Solo, Small business Solo
Features Chip 0/4 · Capital One AutoSave 1/4
Round-up saving Not checked yet —
Scheduled transfers Not checked yet ✓ (best)
Savings goals Not checked yet Not checked yet
Shared goals Not checked yet Not checked yet
Specs
Savings account access Not checked yet In-app
Withdrawal timing Not checked yet Not checked yet
Our review
Pros
  • 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.
  • Schedules recurring transfers from Capital One checking to savings
  • Runs through Capital One online banking and mobile applications
  • Automates deposits without one-off manual transfers
Cons
  • 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.
  • Limited to transfers from an eligible Capital One checking account
  • Does not offer round-up saving
  • Focused on scheduled deposits, not budgeting or investing
Our verdict

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 →

For Capital One customers who want routine deposits into savings, AutoSave automates recurring transfers from an eligible Capital One checking account to a Capital One savings account. It is a banking feature rather than a standalone…

Read the review →
  1. ChipSavings Apps 7.9Free plan · 28-day trial
  2. Capital One AutoSaveSavings Apps 7.9Free plan

Strengths and trade-offs

  • 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.

  • Capital One AutoSave — where it wins

    • Schedules recurring transfers from Capital One checking to savings
    • Runs through Capital One online banking and mobile applications
    • Automates deposits without one-off manual transfers

    Where it doesn't

    • Limited to transfers from an eligible Capital One checking account
    • Does not offer round-up saving
    • Focused on scheduled deposits, not budgeting or investing
  • 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 →
  • Capital One AutoSave7.9/10 · Free plan

    A no-cost way for Capital One customers to schedule recurring savings transfers.

    Visit Capital OneFull 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