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Chip is a savings app you connect to your current account via 'Open Banking'. It then uses an algorithm to work out how much you can afford to save, and automatically puts that aside for you - great for those without the self-discipline needed.

Autosave with Chip and get 0.7% interest. Normally autosave apps pay little interest. But Chip* has partnered with Allica Bank to offer a 0.7% AER variable interest easy-access account - which beats the top normal savings account - though Chip charges a £1.50 fee every four weeks, which would outweigh the interest gain for most.

Yet if you're new to Chip we've a code to get £20 cashback, which covers the fee for over a year. Sign up to Chip's app* and select the 'ChipAI' plan, and it'll set up a Chip Savings Account. Once you've registered, enter code CHIPMSE07 in 'Earn and track rewards' on the app's 'Profile' tab. Save at least £1 with Chip by 11.59pm on Tuesday 12 October and the £20 is paid on Saturday 13 November - just keep £1+ there until it's paid. You can then withdraw it to your linked current account to cover the fees, which are charged to your debit card. The cashback is only for new Chip customers.

How to get the 0.7% interest: The standard Chip Savings Account doesn't pay interest, so head to the 'Accounts' tab and open the Allica Bank account (min deposit £1, max £30,000; interest paid daily). Make sure you go into your 'Autosave settings' to ensure that's where your autosaves are going. If you reach the max £30,000, autosaves will automatically stop.

Want the 0.7% interest without autosaving? Follow the same process as above to register with Chip and set up the Allica account. Then pause autosaving by going to your profile in the app, then 'Autosave settings' then 'Skip autosaves' and choose a date - it allows this for up to three months at a time so you'll need to remember to keep doing it. Note that the maximum you can deposit in a single transaction is £5,000 - if you want to save the full £30,000 you'll need to do it in six lots of £5,000.

Which current account providers does it work with? Chip connects to most (but not all) major current account providers. It will work with Bank of Scotland, Barclays, Danske, First Direct, Halifax, HSBC, Lloyds, Monzo, Nationwide, NatWest, RBS, Revolut, Santander, Starling, TSB and Ulster Bank.

Are my savings safe? The money you put in is held by Allica Bank, which has the usual £85,000 per person protection under the Financial Services Compensation Scheme. If you have any money in the Chip Savings Account, that's covered by ClearBank's protection.

How long do I have to keep the account? You can withdraw your money whenever you want - but you'll need to keep £1+ there until at least Saturday 13 November if you want the cashback. If after that point you want to save elsewhere, you're free to do so.

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Chip is a savings app you connect to your current account via 'Open Banking'. It then uses an algorithm to work out how much you can afford to save, and automatically puts that aside for you - great for those without the self-discipline needed. Autosave with Chip and get 0.7% interest.

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Fast Service

I applied and was sorted very quickly by Abbie, have no faults at all a great way to save and interest rates are amazing. Much better than door step pay day loan companies. Abbie was very helpful, was sorted very quickly and efficently thank you very much.

5*

Trustpilot Review

Been with SMC since 2016

Been with these guys since 2016 and I've always had such a great experience with them. Extremely helpful and friendly! Being able to have a loan and save at the same time is a blessing itself. Once my loan is paid back I'll have a lovely amount of savings that I can either spend or I can keep saving. It's a very good investment as you're gaining even while paying off the loan. Top marks from me!

5*

Trustpilot Review

Amazing Service

Thank you Smart Money Cymru. I cannot fault the service I received from Abbie (Caerphilly branch). The application was easy step by step online, seconds after I submitted the application Abbie telephoned and explained the next step. Ten minutes later she called back to say my application was successful and that I would receive the funds the same day. Amazing service.

5*

Trustpilot Review

Saving & Borrowing

I've been saving with SMC for over a year now and I've recently arranged some lending through them. Abbie was exceptionally professional, assessed my case taking into consideration all evidence supplied and turned my loan around within a couple of hours. I'm extremely grateful for the guidance SMC has provided me.

5*

Trustpilot Review

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Homepage - Smart Money Cymru Community Bank

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I applied and was sorted very quickly by Abbie, have no faults at all a great way to save and interest rates are amazing. Much better than door step pay day loan companies. Abbie was very helpful, was sorted very quickly and efficently thank you very much.

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23 awgrym arbed hawdd i gynilo arian yn gyflym

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23 awgrym arbed hawdd i gynilo arian yn gyflym

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13 Arferion Frugal Prydain i Arbed Arian 

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13 Arferion Frugal Prydain i Arbed Arian 

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Biliau Ynni: Sut i gael y pris isaf ar nwy a thrydan 

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Biliau Ynni: Sut i gael y pris isaf ar nwy a thrydan 

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Energy bills: how to get the lowest price on gas and electricity

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10 great money saving tips | Best ways to save money | Barclays

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Want to know the best ways to save money? Here are 10 smart money saving tips to help save on energy, food and household bills to boost your bank balance.

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Comparison websites allow you compare quotes, to see if you could be paying less for household expenses, such as gas, electricity or broadband.

Even saving a small amount each month can really add up over the course of a year. If you're able to switch to cheaper deals, try putting the amount you've saved each month into your savings account. You could set up a standing order so you don't even have to think about it.

Get more tips about managing your bills.

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Best Ways To Save Money | Money Saving Tips - HSBC UK

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Growing your nest without stretching yourself can feel difficult, but it doesn't have to be. Read our best ways to save money while barely noticing it here.

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If you've recently started work and have lots of expenses every month such as rent and travel costs, it's all too easy to push saving to the bottom of your priority list. It can feel like one of those unpleasant things that are likely to happen in the future but that you don't have to worry about now - like listening to Radio 2, buying comfortable shoes and feeling obliged to make creaking noises every time you sit down.

After all, why not enjoy what money you have left every month now, and worry about tomorrow later? But, stop there a moment. Although making the most of the present is important, there are plenty of good reasons you need to look out for your financial future too. Here are six worth thinking about.

1. You'll be financially independent sooner

Unless you're happy to rely on the Bank of Mum and Dad for handouts forever (and they may be less happy than you about this) you're going to have to stand on your own two feet financially eventually. Building up a savings nest egg can help you achieve this aim, as you could use these funds to help get on the property ladder, or to pay off student debts sooner.

2. You won't have to worry if you're hit with any unforeseen expenses

At some point all of us face a hefty bill we hadn't planned for, whether it's to repair our car or replace a broken laptop. If you've got savings in place, you can use some of these to cover costs, without having to turn to a credit card or personal loan to make ends meet.

3. You'll have a buffer in place to help cover living expenses if you get made redundant

Suddenly finding yourself unemployed can be frightening, but it's something many people will experience at some point. Having a savings buffer in place to help cover your living expenses while you find a new job can provide you with real peace of mind.

4. You'll be prepared if your circumstances change

Getting married or having kids might be the last thing on your mind right now, but as you get older your priorities might change. Big life events such as tying the knot or bringing up sprogs will be that much easier if you've got some savings available.

5. You'll be more comfortable in retirement

When you start the savings habit, it pays to think about the long-term, as well as what might be just around the corner. The state pension is unlikely to provide you with enough income to cover all your costs when you eventually stop work, particularly as the age at which you'll be able to claim it is moving gradually further away, so the earlier you think about retirement planning the better.

6. It's never too late to start saving

Remember, you don't need to have thousands of pounds available to start the savings habit. Even putting a small amount aside every month can make a real difference over the long term. Lots of savings accounts can be opened with as little as £1.

Alternatively, if you're happy to accept a level of risk and want to start investing in the hope of generating higher potential returns than deposit accounts can provide, you could think about putting some money into stocks and shares every month. Again, some funds allow you to start with just £1 a month if you can't afford more. Bear in mind though that investments can fall as well as rise, so there's the risk you could get back less than you put in. Typically you should only think about investing if you plan to tie up your money for 5 years or more.

So that's that. Lecture over. You get back to having a good time now, having learned a thing or two about financial planning.

Before making financial decisions always do research, or talk to a financial adviser. Views are those of our mentors and customers and do not constitute financial advice.

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6 reasons to start saving today | Brighter Money | Virgin Money UK

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Want to start putting money aside, but struggling to get started? Sometimes all you need is the right motivation.

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10 Gwers Arian a fydd yn newid eich bywyd am byth 

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10 Gwers Arian a fydd yn newid eich bywyd am byth 

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10 MONEY LESSONS THAT WILL CHANGE YOUR LIFE FOREVER | Saving Money | Budget Mum UK

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Arbed Arian | Llinell ddyled genedlaethol 

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Arbed Arian | Llinell ddyled genedlaethol 

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Work out the best ways to save money and how to reach your savings goal | National Debtline

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Why Saving Is Important - HSBC Channel Islands & Isle of Man

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Find out how you can help reach your financial goals by prioritising savings as an important financial habit and how saving money helps to protect the family.

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Gallwn ni gynnal gweithdai i bobl ifanc ar unrhyw rai o’r meysydd pwnc sy’n cael sylw yn ein hadnoddau.

Yn y gweithdai un-i-un byddwn ni’n gallu edrych yn fanylach ar rywbeth, a rhoi arweiniad ar sail anghenion yr unigolyn.

I gael rhagor o wybodaeth, cysylltwch â gettingready@childreninwales.org.uk

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Gaming and Gambling/ Chwarae Gêmau a Gamblo (Bilingual version)

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Gaming and Gambling/ Chwarae Gêmau a Gamblo (Bilingual version)

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Benefits and Entitlements/ Budd-daliadau a hawl i fudd-daliadau (Bilingual version)

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Benefits and Entitlements/ Budd-daliadau a hawl i fudd-daliadau (Bilingual version)

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Savings | Loans | Llanelli | Pembroke Dock | Saveeasy Credit Union

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Saveeasy Credit Union provides Low-cost loans and Savings accounts to Llanelli, Pembroke Dock, Haverfordwest & Cardigan on a not-for-profit basis.

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For Learning Disability Week 2020, we want to celebrate the incredible friendships and connections that make up our #MencapFamily - and show how important they have been during lockdown. Tell us your lockdown friendship stories and we'll share them with the world! #LDWeek2020

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For Learning Disability Week 2020, we want to celebrate the incredible friendships and connections that make up our #MencapFamily - and show how important they have been during lockdown. Tell us your lockdown friendship stories and we'll share them with the world! #LDWeek2020

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Credit Unions of Wales is an association of the country's 18 Credit Unions, we work together to improve levels of savings and access to affordable credit for all members of our community.

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Start some new Christmas traditions that the whole family can join in with and save some money along the way.

Picking up Christmas essentials like crackers or decorations in the sales can mean big savings, sometimes around 50%.

If you know what gifts you need to buy, it can help to pick up an item a month to help spread the cost and save you the hassle of shopping when everyone else is.

You could also embrace the digital age and email Christmas cards to save on postage.

There are lots of free websites that let you create your own cards, with family photos and videos.

A pre-Christmas clear out with the family will help you get in order for the festive season but could also put some money back in your pocket.

Once you've put aside anything you no longer want, make some extra cash by selling it online or at a local sale.

If you time it right, you'll find plenty of people looking for second-hand gifts.

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Start some new Christmas traditions that the whole family can join in with and save some money along the way. Picking up Christmas essentials like crackers or decorations in the sales can mean big savings, sometimes around 50%.

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Use our savings calculator to find out how your savings might grow in the future or to help calculate how you can meet your savings goal based on monthly savings and interest payments.

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Dy fod ti’n gallu agor cyfrif cynilo mewn unrhyw fanc, nid dim ond y banc lle mae dy gyfrif cyfredol.

Felly gofala chwilio am yr un gorau.

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Setting saving targets | Realistic savings goals by age | Barclays

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Learn how to set realistic savings goals. Whether you're saving for a holiday, a house or retirement, setting a goal can help you reach your target faster.

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Help to Save is a type of savings account. It allows certain people entitled to Working Tax Credit or receiving Universal Credit to get a bonus of 50p for every £1 they save over 4 years.

Help to Save is backed by the government so all savings in the scheme are secure.

How payments work

You can save between £1 and £50 each calendar month. You do not have to pay money in every month.

You can pay money into your Help to Save account by debit card, standing order or bank transfer.

You can pay in as many times as you like, but the most you can pay in each calendar month is £50. For example, if you have saved £50 by 8 January you will not be able to pay in again until 1 February.

You can only withdraw money from your Help to Save account to your bank account.

How bonuses work

You get bonuses at the end of the second and fourth years. They're based on how much you've saved.

What happens after 4 years

Your Help to Save account will close 4 years after you open it. You will not be able to reopen it or open another Help to Save account. You'll be able to keep the money from your account.

You can close your account at any time. If you close your account early you'll miss your next bonus and you will not be able to open another one.

Sign in

Sign in to your Help to Save account if you already have one.

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Get help with savings if you're on a low income (Help to Save)

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Help to Save is a type of savings account. It allows certain people entitled to Working Tax Credit or receiving Universal Credit to get a bonus of 50p for every £1 they save over 4 years. Help to Save is backed by the government so all savings in the scheme are secure.

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Now that you have a clearer idea of what easy access accounts are, you may want to know how to choose between the top deals. Doing an easy access savings accounts comparison can be as easy or comprehensive as you want it to be.

For instance, you may only have £1 to invest at the start, in which case it's likely that not all the top rates will be available to you. On the other hand, if you've got a large amount that you want to retain access to, you could just go for the number one account in the charts.

There will be a few other things that people look out for when deciding, such as:

Branch-based or online-only?

If you'd like to do your banking in branch, there's a chance that you may need to look away from the best instant access savings account rates, as these tend to be reserved for those who do their banking online. Luckily, our search results should make it easy to see which deals can be opened in branch. Then it's just a matter of seeing if the rate is up to your standards, the minimum investment limit is something you can live with and you can manage the account in branch as well. Of course, if you're comfortable online banking, you can usually take your pick of the deals, as the best online easy access savings rate is often the best overall.

Best instant access savings accounts for over 50s

While there are still specific accounts for those who are over 50 or even 60, there are not as many as there may once have been and they tend not to pay the exclusive rates that they once did. If you desperately want one of these accounts, your best bet would be to contact your local banks or building societies. Otherwise, you may want to consider a traditional savings account, as they are likely to rival the rates of exclusive accounts and are simple to compare.

Fixed rate instant access savings accounts

The overwhelming majority of easy access deals, including the very best instant access savings accounts, will have variable rates. There are, however, rare occasions when a fixed rate easy access deal gets released. These products may be in the guise of fixed bonds with flexible access options, and will usually be very limited and only available for a year, after which the funds may be transferred to a variable rate easy access saver.

Because they are so rare, you may think that they will be wildly appealing, but the rates on these accounts won't necessarily be market-leading. So, if you're looking to open an instant access account, don't wait around for the white whale of a fixed rate deal, as you may never find it. If you'd prefer the security of a fixed rate, you might want to consider a fixed bond instead - provided you're happy to restrict your access.

Considering all these different criteria, it's easy to see that there is not one single best easy access account. You will have to compare instant access savings accounts to find the one that best suits you. Thankfully, our search results are a great place to start, so it hopefully won't be too difficult to find what you're looking for.

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Easy Access Savings | Up to 1.16% Variable | moneyfacts.co.uk

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Now that you have a clearer idea of what easy access accounts are, you may want to know how to choose between the top deals. Doing an easy access savings accounts comparison can be as easy or comprehensive as you want it to be.

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Enghreifftiau

Mae'r math yma o gyfrif cynilo yn caniatáu i ti dynnu arian allan ychydig o weithiau yn unig bob blwyddyn

Gall hynny fod rhwng unwaith a phedair gwaith y flwyddyn.

Os bydd rhaid i ti godi arian yn amlach bydd y banc yn gostwng y gyfradd llog

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Your account comes with an interest rate of 1.10% gross AER/variable, and stays that way unless you make more than 4 withdrawals in one year.

If you do, then your rate will change to 0.10% gross AER/variable.

Here's an example. If you opened your account in January 2017, then made five withdrawals by February, your rate would reduce to 0.10% gross AER/variable from the fifth withdrawal onwards.

The rate would then remain at 0.10% gross AER/variable until 1 January 2018.

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Limited Instant Access | Savings Accounts | The Co-operative Bank

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Your account comes with an interest rate of 1.10% gross AER/variable, and stays that way unless you make more than 4 withdrawals in one year. If you do, then your rate will change to 0.10% gross AER/variable. Here's an example.

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I gynyddu'r siawns y byddi'n gallu cynilo arian, gofala dy fod ti’n derbyn yr holl arian sy’n bosib o lefydd eraill.