If you want to get involved with an organisataion that can make a statement like this:
"You can save even when you're overdrawn, making it easier to build up savings and use them to pay off your overdraft all in one go."
Then you have a very different view of financial planning than I do.
You might also want to check out this statement:
"Chip is regulated by the Financial Conduct Authority (FCA) through its agency status with Prepaid Financial Services (PFS)"
Which is repeated in their terms and conditions:
"Get Chip App is regulated by the Financial Conduct Authority (the “FCA”)"
To help you on your way, the FInancial Services Register is here: