Chip vs Goin

Chip9.1Visit Goin8.5Visit

Higher score Chip #2 in Automated Savings Apps 9.1/10 Free plan · 28-day trial Free planFree trial✓ 2 of 4 features Visit Chip

vs

Goin #5 in Automated Savings Apps 8.5/10 Free plan Free plan✓ 4 of 4 features Visit Goin

• Chip fits best

  AI-powered autosaving with flexible withdrawals

• Goin fits best

  Free multi-method automated saving

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Side by side

Feature	Chip 9.1/10 Visit ↗	Goin 8.5/10 Visit ↗
At a glance
Editor score	9.1	8.5
Ranking	#2 in Automated Savings Apps	#5 in Automated Savings Apps
Best for	AI-powered autosaving with flexible withdrawals	Free multi-method automated saving
Pricing model	Free plan + paid	Free plan + paid
Starting price	£65.05/yr	Free plan
Free plan	✓	✓
Free trial	28 days	—
Deployment	Mobile	Mobile, Browser extension
Platforms	iOS, Android	iOS, Android, Chrome extension
Support	Email, Live chat, Docs	Email, Docs
Built for	Solo, Small business	Solo
Features Chip 2/4 · Goin 4/4
Card roundups	Not checked yet	✓ (best)
Scheduled transfers	✓	✓
Custom savings rules	Not checked yet	✓ (best)
Interest on savings	✓	✓
Specs
Savings goal limit	Not checked yet	Not checked yet
Withdrawal method	Instant	Manual
Supported platforms	Not checked yet	Not checked yet
Our review
Pros	AI autosaves analyse income and spending patterns Savings Plans support recurring deposits and custom goals Instant or near-instant withdrawals across savings options	Round-ups, scheduled contributions, and payroll-based saving Savings goals, wallets, cashback, and discounted gift cards iOS, Android, and Chrome extension support
Cons	Basic charges 45p for each autosave Available only to UK residents aged 18 and over Mobile app only, with no web banking interface	Withdrawals are manual Cashback depends on participating brands Crypto investing may distract from straightforward saving
Our verdict	Chip is a UK-focused mobile wealth app for saving, investing and pension management. It is designed for UK residents aged 18 and over who want automated saving alongside savings accounts, investment funds and defined financial goals. The… Read the review →	Goin is a mobile finance app for people who want to automate personal saving through several methods. It connects banks and cards through PSD2, rounds up card purchases, schedules daily, weekly, or monthly contributions, and can retain a… Read the review →

Strengths and trade-offs

• Chip — where it wins

  • AI autosaves analyse income and spending patterns
  • Savings Plans support recurring deposits and custom goals
  • Instant or near-instant withdrawals across savings options

  Where it doesn't

  • Basic charges 45p for each autosave
  • Available only to UK residents aged 18 and over
  • Mobile app only, with no web banking interface

• Goin — where it wins

  • Round-ups, scheduled contributions, and payroll-based saving
  • Savings goals, wallets, cashback, and discounted gift cards
  • iOS, Android, and Chrome extension support

  Where it doesn't

  • Withdrawals are manual
  • Cashback depends on participating brands
  • Crypto investing may distract from straightforward saving

• Chip9.1/10 · Free plan · 28-day trial

  A flexible UK savings app with AI autosaves, goals, investments and quick withdrawals.

  Visit ChipFull verdict →
• Goin8.5/10 · Free plan

  A free, broad savings app for automating deposits across several methods.

  Visit GoinFull verdict →