Chip

Chip is not your average finance app or boring savings account.

We fight to bring you amazing savings rates and we make it easy to put your money to work with investing.*

We can even build your savings for you with our award-winning automatic saving tech - you could save an extra £3,000 a year, without lifting a finger.

EARN AMAZING INTEREST RATES.

We’re always fighting to bring amazing interest rates to you. Right now, we have one of the best easy access savings rates on the market, and we never stop fighting to get you better savings rates. We pool our savers’ money together and negotiate with banks like you’re all millionaires, meaning you skip the boring forms and tireless research - we do that all for you.

All the money you deposit is FSCS protected and the money is stored with UK authorised banks.

SEEK BIGGER RETURNS.

Get an entire diversified investment portfolio in just a few taps.

We make it easy to put your savings to work with investment funds powered by BlackRock, the biggest asset manager in the world.

These diversified funds enable you to invest in thousands of companies all at once. You can choose between funds that are globally diversified, specialise in ethical investments and clean energy, or invest in emerging markets. We’re always expanding this list and the number of available fund managers too.

Right now, the fund with the lowest risk rating (the Cautious Fund) has average historical annualised returns of 4.69%, if you want to take it slow and steady. Or, if you have a bigger risk appetite, the fund with the highest risk rating (the Clean Energy Fund) has average historical annualised returns of 23.7%.

*Remember your capital is at risk when investing. Past performance does not indicate current or future performance and should not be the only thing you consider when selecting a fund. The value of your investment can go down as well as up and you might get back less than you originally invested.

**These average historic returns are based on fund performance over the last 5 years, or since creation, if shorter. A monthly subscription may be required to access some funds.

START SAVING SMARTER, NOT HARDER.

Use our award-winning AI and Open Banking technology to automatically build up your savings without noticing - the average Chip saver automatically puts aside over £3,000 a year!

Our auto-saving tool puts aside the perfect amount of money for you every few days, based on your goals and spending habits.