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Chip is a UK fintech savings and investment app founded in 2016 in London, designed to help users save money automatically. The app connects to users' bank accounts, analyses spending patterns, and moves affordable amounts into savings. Chip offers easy-access savings accounts, fixed-rate savings, a stocks and shares ISA, and a Prize Savings Account where depositors are entered into regular cash prize draws. Chip is FCA-regulated, and deposits in its savings accounts are protected by FSCS up to £85,000. The refer-a-friend programme rewards vary by promotion; the current scheme gives both referrer and new user 500 extra entries into the Prize Savings Account draw when the referred user deposits at least £10.