Chip functionality in Monzo app

[jdon.xyz (Jason)]

Seeing as there seems to be no comments on when / if integration with Chip is happening,

Does Monzo by any chance possess a similar tech, or plan to possess a similar tech that it can be done in house?

(Maybe this will be a pulse graph function?)

Thanks all

[SC95]

There is some discussion here on Chip

Chip discussion

This is a clever idea that I’ve just come across. It’s a bot, called Chip, that integrates with your current account, analyses your recent spending to calculate how much you can spare and every few days it debits a small amount and transfers it to a savings account. Spend more and you’ll save less. Spend less and you’ll save more. I’m sceptical that it might put me into my overdraft, but they guarantee never to do that so I’m giving it a fair shot. I’d really like a Monzo integration, but I’m …

[jdon.xyz (Jason)]

You know what? I’m a numpty. I actually new that existed.

I just thought because I’m not actually talking about Chip and suggesting Monzo do something similar, I feel it didn’t fit in that thread

(I’ve also asked in that thread if there is any idea when chip integration is coming, and nobody from Monzo answered)

[SC95]

@jdon.xyz

(I’ve also asked in that thread if there is any idea when chip integration is coming, and nobody from Monzo answered)

FYI - You’re not guaranteed an answer here from Monzo. They might not see all the threads all the time. You can ask via in-app chat, however.

[jdon.xyz (Jason)]

@SC95

You can ask via in-app chat, however

Very good point that wasn’t intended as a dig at all

I feel like for new features though. This is definitely the best place to ask. Because the answer I would get. 100% is “We are definitely looking to integrate with Chip in the future!”

And the whole Coin pot thing came out on here early… I might get a sneaky preview about this thing too

[rippy]

I know this will get merged soon, but while this is active… how does Chip and Plum work in terms of opening an account with Barclays when I have only provided name and account details?

[alexs (Alex Sherwood)]

@rippy

I know this will get merged soon

It won’t this is a separate request from asking for a Chip integration in my opinion.

[SC95]

@alexs

It won’t this is a separate request from asking for a Chip integration in my opinion.

Orignal Post From: Chip discussion

@beningreenjam

I’d really like a Monzo integration, but I’m thinking they’ll need to do they integration work rather than Monzo?

[alexs (Alex Sherwood)]

Yeah so this request is assuming that Chip won’t do the integration so - can Monzo build the functionality instead?

I still think Ben’s comment is the (much) more likely scenario but this is a separate thing

[SC95]

I know and really no issues.

Just bit bored so pulling your leg. Sorry

[jdon.xyz (Jason)]

Chip have recently said on twitter that they are working on it… Monzo was tagged in the discussion and didn’t respond. I can’t help but feel like they don’t like each other

I just want a date. But if Monzo did do it in house, I wiould obviously use that. Easier

If that is the case though, can Tom and Donald please meet up for a coffee and sort it out?

[jdon.xyz (Jason)]

I have wondered this

As far as I am aware, I think they are set up as trust accounts?

So it’s Chips account, but in your name.

(I could be completley wrong - but can’t see it being done any other way, otherwise you could theoretically walk in to a branch with ID and withdraw from it)