N26 vs Chip

N268.6Visit Chip7.9Visit

Higher score N26 #2 in Savings Apps 8.6/10 Free plan Free plan✓ 4 of 4 features Visit N26

vs

Chip #4 in Savings Apps 7.9/10 Free plan · 28-day trial Free planFree trial✓ 0 of 4 features Visit Chip

• N26 fits best

  N26 customers automating savings into shared Spaces

• Chip fits best

  UK savers wanting automated, goal-based savings

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Side by side

Feature	N26 8.6/10 Visit ↗	Chip 7.9/10 Visit ↗
At a glance
Editor score	8.6	7.9
Ranking	#2 in Savings Apps	#4 in Savings Apps
Best for	N26 customers automating savings into shared Spaces	UK savers wanting automated, goal-based savings
Pricing model	Free plan + paid	Free plan + paid
Starting price	—	£65.05/yr
Free plan	✓	✓
Free trial	—	28 days
Deployment	Cloud, Mobile	Mobile
Platforms	iOS, Android, Web	iOS, Android
Support	Live chat, Docs	Email, Live chat, Docs
Built for	Solo, Small business	Solo, Small business
Features N26 4/4 · Chip 0/4
Round-up saving	✓ (best)	Not checked yet
Scheduled transfers	✓ (best)	Not checked yet
Savings goals	✓ (best)	Not checked yet
Shared goals	✓ (best)	Not checked yet
Specs
Savings account access	Both	Not checked yet
Withdrawal timing	Instant	Not checked yet
Our review
Pros	Round eligible card payments into a selected Space Automate transfers with Rules and income allocation with Income Sorter Shared Spaces let N26 customers save together	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 tools are tied to an N26 account Shared Spaces require other N26 customers Features and eligibility vary by country and account	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	N26 is a digital bank with savings tools for people who want to organize money and automate transfers within their account. Its Spaces act as subaccounts for goals, while Round-Ups move the difference from eligible card purchases into a… 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 →

Strengths and trade-offs

• N26 — where it wins

  • Round eligible card payments into a selected Space
  • Automate transfers with Rules and income allocation with Income Sorter
  • Shared Spaces let N26 customers save together

  Where it doesn't

  • Savings tools are tied to an N26 account
  • Shared Spaces require other N26 customers
  • Features and eligibility vary by country and account

• 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.

• N268.6/10 · Free plan

  A bank account with automated savings tools, best suited to existing N26 customers.

  Visit N26Full 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 →