To use Chip's AI features to their full potential and to be able to withdraw instantly, we encourage you to link your bank account to Chip via our open banking partner Truelayer.

Linking your bank account enables us to personalise your automatic saves based on your spending habits and will allow the use of features such as Recurring Saves, Overdraft Protection and Minimum Bank Balance. 

Linking your account also means that you will be able to withdraw with ease and the withdrawal should typically land within minutes. You can read more about withdrawals here.

To link your account just head to the Profle tab in-app and select Your bank account and debit card. Once you're in this section you can go through the steps to link your account.

This portal is directly with your bank and Chip never sees or stores your online banking credentials. You will need to have online banking already set up with your linked bank, and provide the correct login details/passwords/biometrics you normally use in order to make the connection.

We support the following banks through our Open Banking system: Bank of Scotland, Barclays, Danske, First Direct, HSBC, Halifax, Lloyds Bank, Monzo, Nationwide, Natwest, RBS, Santander, Starling, TSB, Ulster Bank.

Please note that you won't be able to link a bank account or debit card from a bank not listed above.

If you have any trouble linking your bank, you can try the troubleshooting steps outlined here. If the problem persists, please contact our CS team via live chat or hello@getchip.uk and we'll be happy to help you further.