Chip 3% App

Hi, I’ve been using Chip since the beginning of the year and like it. In answer to some of the questions on MSE the savings are held in a Barclays Account, I have withdrawn some money to test it which worked. I have 6% interest for some reason (3% via MSE and 3 people used my code). I make 6 manual saves a month of £100 and then the app makes some automatic saves too. You can set the level of savings and your own goals. I contacted Chip via the chat function to get the interest calculated for the last financial year and they responded promptly. So far so good. I was worried initially but was reassured that if anyone got access to my chip login the most that they could do was to put money back into your bank account. I have several bank accounts so if my bank account was compromised not a great amount could be accessed. I guess you have to make your own descision as to whether you are happy to give chip access to your account.