Chip is a user-friendly smartphone app that makes saving automatic. <a target="_blank" href="https://getchip.uk" rel="nofollow">getchip.uk</a><br><br>This chatbot app automatically work out what you can afford to save – and pay up to 5% interest too with referrals. Your Chip account starts with 1% interest, which can be increased to 2% with this invite code: <strong>VHM8P0</strong> or you could take a £10 bonus instead. Each friend you invite will give you and them an extra 1% upto 5% interest.<br><br>The chatbot will guide you through the signup process and ask for your invite code at the end, my referral code is <strong>VHM8P0</strong> You are then offered the choice of a 1% interest boost or £10.<br><br>This app has been featured in more detail on the MSE blog <a target="_blank" href="http://www.moneysavingexpert.com/team-blog/2016/12/15/get-up-to-5-interest-with-the-app-that-automates-your-saving/" rel="nofollow">www.moneysavingexpert.com/team-blog/2016/12/15/get-up-to-5-interest-with-the-app-that-automates-your-saving/</a>