Punk Money alternative · United Kingdom
Looking for Punk Money? Meet Chipkie.
Keep the people. Lose the awkwardness.
A clearer way to manage loans between friends and family. Free tracking, shared records and reminders — from agreement to final repayment.
Free core tools. Optional written agreement: £3.95 per purchase.
See how Chipkie works →
Good people. Big possibilities.
A new home for punk.money
Chipkie now owns the punk.money domain. If that brought you here, welcome. Discover a clearer way to manage a loan with someone you know.
The domain purchase does not transfer Punk Money accounts, loan records or existing agreements to Chipkie.
More support for the whole loan
Built for the loan.
Made for the relationship.
01
Make the plan clear
Agree the amount, interest and repayment schedule together. See what is due and when in one shared dashboard.
02
Keep the record straight
Pay each other directly, then log and confirm repayments. Keep a clear history instead of piecing together messages.
03
Give the friendship room
Let reminders do the prompting. If circumstances change, request a repayment holiday for the lender to review.
Punk Money’s former service / Chipkie UK today
The idea you liked.
A toolkit for what comes next.
Punk Money helped bring friends-and-family lending online. Chipkie gives you a practical way to organise your own family loan today.
Punk Money · Former service
An idea that resonated.
Its offering combined loans between friends and family with agreements, automated repayments and advertised credit-building features.
Its archived site now says the service is no longer operational and cannot create new loans.
Chipkie · Available today
Put your plan into motion.
Set up your loan with free tracking, a shared payment history and reminders. Download your records and add a written agreement when it suits your loan.
No subscription for the core tools. Your money moves directly between you.
Chipkie UK records repayments you make directly; it does not automatically collect them from your bank or report them to credit-reference agencies. Chipkie helps you manage a loan — it does not provide money or find a lender.
Straightforward UK pricing
Start free.
Put it in writing when you’re ready.
Keep your schedule, payment records and reminders together at no cost. An optional written agreement costs £3.95 per purchase. Each person reviews and signs separately.
£0
for the core tools
Loan tracking · Shared records
Reminders · Record downloads
£3.95
Optional written agreement
Per purchase. No subscription.
Get going together
From “can you help?”
to a plan you both understand.
Step 01
Agree your terms
Choose an amount and a repayment rhythm that work for you both. Use a UK loan calculator to explore the numbers.
Step 02
Invite the other person
Create the loan and send an invitation to review it. Add a written agreement if you want your terms recorded in a signed document.
Step 03
Pay, record, repeat
Transfer money directly. Record each repayment, confirm it together and follow progress in Chipkie.
A few things worth knowing
Punk Money to Chipkie:
your questions, answered.
Punk Money’s archived website says the service is no longer operational and new loans cannot be created. Companies House records a creditors’ voluntary liquidation beginning on 7 September 2023.
Chipkie owns the punk.money domain. This is a domain purchase, not a transfer of Punk Money’s company, accounts, loan records or agreements. Chipkie is a separate platform with its own account setup and terms.
Your old loan has not automatically moved to Chipkie. Keep your original agreement and repayment records, and continue dealing with the other party under that agreement. Creating a Chipkie account does not cancel, replace or settle an existing loan. If you are unsure what you owe or what your agreement requires, seek independent advice.
No. Chipkie is for organising a loan with a friend or family member you already know. It does not fund loans or match you with lenders.
No. You pay the other person directly and record the payment in Chipkie. Chipkie UK does not automatically debit your bank account or report repayments to credit-reference agencies.
No. The core tracking tools are free. A written agreement is optional and costs £3.95 per purchase. Both parties review and sign separately. See UK pricing for the current details.
For the people in your corner
Big plans.
Better organised.
A little clarity can make a big difference. Give your next family loan a home in Chipkie.