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Successfully funded
Pre-money valuation

Chip is on a mission to build the best savings account in the world. With rapid growth to 75,000 accounts, £58m of savings processed and £36m of deposits since receiving Crowdcube's 3rd ever biggest raise in terms of investors last year, we continue to target the €10trn European savings market.

  • 75,000 accounts, £36m in deposits which are now growing at £5m a month
  • Plans to launch ChipX community lending - January 2019
  • OpenBanking connections to Monzo, Starling & Revolut
  • Featured by MoneySavingExpert, BBC, TheGuardian, The FT & Independent


The average UK adult saves only 1.7% of their income, earns less than 1% on savings, but spends 3.54% of income paying interest on overdrafts, credit cards, and loans.

Chip connects to your current account, saves automatically, provides the best possible returns and can reduce the cost of borrowing.

Since launch Chip has grown rapidly to 75,000 users, processed over £58m of saves, has £36m of deposits & is connected to accounts with £130m of outstanding debt.

Following their Angel funding (Crowdcube's 3rd most popular investment of all time by investor number), together with their investor community they've built new features, created strong viral growth, and now plans to start lending as an appointed representative with ChipX.

From January 2019 ChipX offers returns of up to 8% powering Chip's community lending. OpenBanking and Chip's AI algorithms empower consumers to earn better returns by eliminating the bank's margins.

Funding is required to onboard the waiting list & roll out all new features including instant saves, transaction roundups, FSCS protection, base interest of 1.5%, smart goals, squad goals, save matches and the best returns possible with ChipX.

In the next 4 years, Chip projects 1.5m users and £2.2bn of deposits. Investors expect to well exceed this modest target and substantially disrupt the European 10 trillion savings market.

Disclosure: The company has loans

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