Chip

iPhone + Android

7.5No. 88 of 167
in Personal Finance Software

Recognised40% of the score15
Phone app26% of the score100
Documented20% of the score76
Free plan14% of the score100

Free plan: Yes
Paid plans from: £5.99/mo
Runs on: Android, iPhone

Summary

Chip is ranked #88 of 167 in personal finance software on Samsung Mobile US Press, made by Chip (London, England, UK). It runs on Android, iOS. There is a free plan. A free trial is offered. Paid plans start at £5.99/mo.

Chip plans and pricing

All plans

Basic Free billed monthly Access to savings accounts · Autosaves available for 45p per save · Recurring deposits · 0.25% investment platform fee getchip.uk · 20 Sept 2026

ChipX £5.99/mo £5.99 every 28 days (paid monthly) Unlimited autosaves · Unlimited recurring deposits · 0% investment platform fees · Access to all investment funds getchip.uk · 20 Sept 2026

Basic plan Free Autosaves: 45p per save · investment platform limited to thirteen funds · 0.25% annual platform fee; £1 monthly minimum per product getchip.uk · 28 Sept 2026

ChipX plan £5.99/mo £5.99 every 28 days (paid monthly), or £65.05 paid annually 28 day free trial · unlimited free autosaves · no platform fees · access to all investment funds getchip.uk · 28 Sept 2026

Compared on personal finance software

Free plan: Yesgetchip.uk
Scheduled transfers: Yesgetchip.uk
Interest on savings: Yesgetchip.uk
Withdrawal method: instantgetchip.uk

Facts

What it does: Chip offers savings accounts and investment funds in one app to help customers build long-term wealth.getchip.uk · 28 Sept 2026
Automatic saving: Chip analyses income and spending habits to calculate what a customer can afford to save and move money automatically; each autosave costs 45p unless the customer has ChipX.getchip.uk · 28 Sept 2026
Savings goals: Customers can create savings goals, set a target amount and date, and allocate existing savings to a goal.getchip.uk · 28 Sept 2026
Accounts: The app offers savings accounts, a Smart Cash ISA, a Stocks & Shares ISA, a General Investment Account and a personal pension.getchip.uk · 28 Sept 2026
Bank connection: Chip uses TrueLayer to connect a customer's current account through an Open Banking API.getchip.uk · 28 Sept 2026
Security: Chip says Open Banking is regulated by the FCA and permissions are re-authenticated every 90 days.getchip.uk · 28 Sept 2026
Savings protection: Eligible deposits in Chip savings accounts powered by ClearBank are covered by the FSCS up to £120,000 across ClearBank accounts, subject to eligibility.getchip.uk · 28 Sept 2026
Investment protection limit: Eligible claims for Chip Stocks & Shares ISA and General Investment Account assets may qualify for FSCS compensation up to £85,000, which does not cover investment performance.getchip.uk · 28 Sept 2026
Support: Chip says its support team is available from 8am to 8pm on weekdays and 9am to 6pm on weekends.getchip.uk · 28 Sept 2026
Service limit: Chip says it is not a bank, has no physical branches or debit cards, does not provide ATM access or financial advice, and is available only through its app.getchip.uk · 28 Sept 2026
Company history: Chip says it was founded in late 2017 and began with automatic savings.getchip.uk · 28 Sept 2026
Company regulation: Chip Financial Group Ltd is FCA-authorised for payment services and Chip Financial Wealth Ltd is FCA-authorised as a MiFID investment firm.getchip.uk · 28 Sept 2026