Chip is the app that means you will finally start putting away some bluddy money!

And what's the secret to it's success? Are Chip users part of some weird budgeting cult? Do Chip users make their own cheese sandwiches with Tesco value bread for lunch everyday?

No it's not as sexy as that. Chip stashes money away for them. Automatically. Without them doing anything.

Connect Chip to your online banking. Barclays, Co-op, HSBC, Metro, Lloyds, Natwest, Nationwide, RBS, TSB, Halifax, Santander and First Direct.

Chip then analyses your spending and calculates how much you can afford to put away without impacting your day to day spending. That money is then moved in to your Chip account, by Direct Debit.

You shouldn't notice the money missing. It's the equivalent of a few cups off coffee, a round of drinks or a Sunday night Dominos. Spend more and Chip will calculate less, but be a hero, spend less and Chip will calculate more.

The Chip account is instant access so you can always withdraw your money whenever you need it.

Oh, and your money is held at an E-wallet Barclays Bank plc. You've probably heard of them, they're kind of a big deal.