Investing and savings app

Personal finance

See open opportunities

Company mission

To make its customers wealthier through automated, intelligent, wealth-building all with an amazing UI for the mobile generation.



HQ Location

London, UK


Some candidates hear
back within 2 weeks

35% female employees

28% employee growth in 12 months

Otta's take on Chip

Xav Kearney headshot

Xav Kearney

CTO of Otta

Chip provides a free app which aims to make saving as easy as spending. The AI-driven system calculates how much a user could save, gives the option to decline it, and then automatically transfers the amount to user’s Chip account.

Chip's users have saved over £800 million for its users to date, and the public clearly loves the product, as 9,000+ people invested in the company's latest crowdfunding round (one of the most participated-in crowdfunds to date).

Chip has made strong hires, including senior team members from Purplebricks, Deposit Solutions. Barclays, Funding Circle, and Monzo, which has given the company the firepower to scale the business.

The challenge for Chip will be staying relevant and differentiated when there are lots of other companies fighting for consumer's savings and investment accounts. For this reason, the company's investment product is forever adding something innovative to keep its users building wealth with Chip.

Total funding - $68.9m

Last 2 fundraises

Oct 2021



Mar 2022



This company has top investors

Company benefits

  • Classpass membership or Wellbeing allowance
  • Unlimited Holiday
  • £1500 annual training budget which can also be used to attend conferences
  • Workplace pension scheme (Employer: 3% / Employee: 4% / Tax Relief: 1% / Total: 8%)
  • Work from home opportunities
  • Company Laptop 💻

Company values

  • Be Accountable - Everything you do matters, Care about the end result, Challenge the norm, Disagree, yet commit to making it happen once a decision has been made, Do the best job possible
  • Be Bold - Share our Ambition and do your bit to achieve it, Innovate: challenge the norm, break the mould and make it happen, Set goals that truly align with our mission, Do your best for our customers
  • Be Collaborative - Work cross-functionally - we win as a team, Build strong relationships based on trust, Treat others fairly and respectfully, Hold others to account, Be supportive and inclusive, Have fun together


Previously co-founded Roamer, a company that helped you use your phone number abroad without paying roaming charges. Also held senior positions at other mobile companies

Previously worked in Marketing at Maxim and as Head of Growth at Pineapple Punk.

People progressing

Leena joined Chip in 2019 as an Operations Analyst and was promoted to Technical Product Owner just under 2 years later. Further promoted to Associate Product Manager in January 2023!

Harry joined Chip as an Customer Success Executive, he then progressed to Head of Customer Success a year later before working their way up the Compliance team ladder, becoming the Senior Risk & Compliance Manager in January 2023!

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Chip is hiring for 8 jobs on Otta!

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Software Engineering

Operations & Strategy

Chip 1