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John Gibbard

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Review of the NatWest, Rooster card:

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A cheerful companion with room for some fixes

Pros: Great for kids 6+ to receive and spend money. Friendly, cheerful UI. Free for Premier customers—about time NatWest threw something in. Cons: Kids under 6 can only have ‘virtual’ accounts—misleading as it feels like real money is allocated. Only workaround: setting up a pot in an older child’s account. UX oversimplifies money movement to the point of confusion—some actions feel harder than they should. Verdict: The basics work well (sending money, using the card), but the system has odd quirks that make saving for younger kids unintuitive. Reviewed on: 12th February 2025

Review of the Chip, Savings App:

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Near-effortless way of sequestering surplus funds toward fun projects

Chip has evolved with care and expanded its proposition in the past year, turning this behaviourally-designed app into a powerful ally to otherwise-reluctant savers. Chip's strength was always the astute frictionless method of scooping out surplus funds from day-to-day accounts and squirreling them away for other things - 'enveloping' as some might call it, but now this is supercharged with investment and higher interest versions, the interface has matured and the algorithm is as smart and effective as ever. Since getting on board I have literally saved thousands and been able to treat myself to new clothes, secure car finance with a hefty deposit and get ahead of bills. It's profoundly useful. Reviewed on: 10th March 2021

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