– For more on savings check out our best savings account guide. – The option to save money automatically is only available through Chip’s paid-for accounts – Chip is covered by the Financial Conduct Authority and the Financial Services Compensation Scheme (FSCS), which means your money is protected up to £85,000 – Pays interest of 4.26% AER on its instant access savings account – Offers spending analysis and the option to set savings goals – Allows users to invest money through the app, through a partnership with investment provider BlackRock This money is then transferred from your linked current account into your Chip savings account ![]() – Calculates an amount you can afford to save without having an impact on your day-to-day expenditure. Chip is free to use, but its premium account ChipX costs £5.99 a month.
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