Find yourself in the red every month? Can’t seem to budget responsibly? Chip could be for you – if you don’t mind it snooping around your bank account

A robot banker who can pull you out of your overdraft sounds like the premise of a – dull, admittedly – sci-fi story, but Chip promises that it’s here right now.

Just finishing its first year in existence, the start-up has a compelling pitch: plug it in to your bank account, and it will analyse your spending, moving money you don’t need into a savings account, and slowly helping you hit financial security.

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