Chip

Chip is ranked #96 of 181 in personal finance software on Freedom251, 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: Yes
Scheduled transfers: Yes
Interest on savings: Yes
Withdrawal method: instant

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Free7.9

Chip

What it does: Chip offers savings accounts and investment funds in one app to help customers build long-term wealth.
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.
Savings goals: Customers can create savings goals, set a target amount and date, and allocate existing savings to a goal.
Accounts: The app offers savings accounts, a Smart Cash ISA, a Stocks & Shares ISA, a General Investment Account and a personal pension.
Bank connection: Chip uses TrueLayer to connect a customer's current account through an Open Banking API.
Security: Chip says Open Banking is regulated by the FCA and permissions are re-authenticated every 90 days.
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.
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.
Support: Chip says its support team is available from 8am to 8pm on weekdays and 9am to 6pm on weekends.
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.
Company history: Chip says it was founded in late 2017 and began with automatic savings.
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.
Headquarters: London, England, UK
Price from: £5.99/mo

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Where it ranks on Freedom251

Best Personal Finance Software in 2026#96 of 181
Best Automated Savings Apps in 2026#3 of 17

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Sources

getchip.uk/about-us/mission· checked 28 Sept 2026
getchip.uk/savings-accounts/how-saving-with-chip-w· checked 28 Sept 2026
getchip.uk/pricing· checked 28 Sept 2026
getchip.uk/how-we-protect-your-money· checked 28 Sept 2026
getchip.uk/legal/report-security-concern· checked 28 Sept 2026
getchip.uk· checked 23 Sept 2026