Chip vs Qapital

Chip9.1Visit Qapital7.9Visit

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

Qapital #8 in Automated Savings Apps 7.9/10 30-day trial Free trial✓ 4 of 4 features Visit Qapital

• Chip fits best

  AI-powered autosaving with flexible withdrawals

• Qapital fits best

  Rule-based saving with unlimited goals

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Side by side

Feature	Chip 9.1/10 Visit ↗	Qapital 7.9/10 Visit ↗
At a glance
Editor score	9.1	7.9
Ranking	#2 in Automated Savings Apps	#8 in Automated Savings Apps
Best for	AI-powered autosaving with flexible withdrawals	Rule-based saving with unlimited goals
Pricing model	Free plan + paid	Paid
Starting price	£65.05/yr	$3/mo
Free plan	✓ (best)	—
Free trial	28 days	30 days
Free trial length	28 days	30 days
Deployment	Mobile	Mobile
Platforms	iOS, Android	iOS, Android
Support	Email, Live chat, Docs	Email, Docs
Built for	Solo, Small business	Solo, Small business
Features Chip 2/4 · Qapital 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	Unlimited personalized Goals and customizable automatic Rules Supports roundups, paycheck saving and Shared Goals Paid tiers add investing portfolios and a Visa debit card
Cons	Basic charges 45p for each autosave Available only to UK residents aged 18 and over Mobile app only, with no web banking interface	No free plan after the 30-day trial Withdrawals go to a linked account and express transfer costs a fee Available on iOS and Android, with no desktop platform listed
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 →	Qapital is a mobile personal-finance app for people who want to automate saving, investing and budgeting. Users create unlimited personalized Goals and apply Rules that move money based on card purchases, deposits, paychecks, schedules or… 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

• Qapital — where it wins

  • Unlimited personalized Goals and customizable automatic Rules
  • Supports roundups, paycheck saving and Shared Goals
  • Paid tiers add investing portfolios and a Visa debit card

  Where it doesn't

  • No free plan after the 30-day trial
  • Withdrawals go to a linked account and express transfer costs a fee
  • Available on iOS and Android, with no desktop platform listed

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

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

  Visit ChipFull verdict →
• Qapital7.9/10 · 30-day trial

  A paid mobile app for rule-based saving, shared goals and optional investing.

  Visit QapitalFull verdict →