Chip
Chip: A flexible UK savings app with AI autosaves, goals, investments and quick withdrawals. Ranked #2 of 17 in Automated Savings Apps by our editors (9.1/10); pricing: Free plan · 28-day trial; best for AI-powered autosaving with flexible withdrawals.
At a glance
- Editor score9.1 / 10
- PricingFree plan · 28-day trial
- Best forAI-powered autosaving with flexible withdrawals
- Free planYes
- Paid from£65.05/yr
- Facts checked20 Sep 2026
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
Our verdict on Chip
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 app uses linked-bank data to power AI autosaves based on income and spending analysis. Users can also set target amounts and dates, schedule recurring deposits through Savings Plans, and withdraw savings instantly or near instantly.
Pricing ranges from a free Basic plan to paid ChipX plans. Basic includes access to savings accounts, recurring deposits and autosaves charged at 45p per save, plus a 0.25% investment platform fee. ChipX costs £5.99 per 28 days or £65.05 per year, with unlimited autosaves, unlimited recurring deposits, 0% investment platform fees and access to all investment funds. A 28-day free trial is also available. The published plans make Chip suitable for users who want to start without a subscription, while frequent autosaving or investing may make ChipX more relevant.
Its product scope extends beyond automated transfers: Chip offers instant-access, easy-access and prize savings accounts, monthly interest on eligible accounts, investment accounts and curated investment funds. Open Banking connections are provided through TrueLayer, and the service runs on iOS and Android rather than through a web banking interface. Choose Chip if mobile-based automation, flexible withdrawals and a mix of saving and investing matter most. It is less suitable for people who want web access, broad availability beyond the UK, or free unlimited autosaves on the Basic plan.
Your product? Our editors can test Chip in depth and publish a review, labelled as paid · from $149/mo →
Chip pricing
Chip fact sheet
| Free plan | Yes |
|---|---|
| Paid from | £65.05/yr |
| Card roundups | Not verified |
| Scheduled transfers | Yes |
| Custom savings rules | Not verified |
| Savings goal limit | Not verified |
| Interest on savings | Yes |
| Withdrawal method | Instant |
| Supported platforms | Not verified |
| Free trial | 28 days |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Support | Email, Live chat, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 2 integrations: TrueLayer, Open Banking |
| Pricing | Free plan · 28-day trial (source) |
| Website | getchip.uk |
| Facts checked | 20 Sep 2026 |
Chip integrations
Chip lists 2 integrations on its own site.
- TrueLayer
- Open Banking
Alternatives to Chip
- PlumA broad savings and investing app with free automation and tiered upgrades.9.4
- PiggyVestA free savings app with automation, targets, flexible wallets, and fixed-term options.8.9
- finbeeA flexible Japan-focused savings app for turning everyday actions into deposits.8.7
Chip vs the competition
Compare Chip with any tool side by side →
Also Ranked In
Chip is ranked in 3 of our directories.
Used Chip? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used Chip for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
Chip is listed in our Automated Savings Apps directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/chip/"><img src="https://www.itechguides.com/best/badge/chip.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
Last updated · How we research and update