From the FAQs page https://www.getchip.uk/faq
" You can skip a save before 3pm, and you can pause Chip altogether in your profile tab."
I believe there is a notification and possibly an email before the autosave is taken and you can then “skip” the save if you want to.
However, someone else will be better placed to advise because I have had autosaves paused for ages before ChipLite was available so I have forgotten exactly what happens.
With the three-month pause thing, I was good at remembering to extend the period of the pause (you don’t have to wait until the end of the 3 months to choose a new end date so I would just check if I could extend every few weeks) but you could just set a calendar remind every month / 2 months / 3 months to remind yourself.
If you did forget to renew the pause, you would be notified of the pending save, could cancel it and then could pause again.
I think the maximum pausing limit now makes sense because if you don’t want to use autosaves at all there is now another option available. However, I take the point that you can’t earn the high interest rate on as high a balance with the free version.
If you do accidentally save some money you didn’t intend to because you forgot to skip/pause the save, you could just transfer the saved money back to your current account - it isn’t lost forever.
I am currently unclear as to whether more than one withdrawal a month is charged for - I think the terms refer to reserving the right to charge for extra withdrawals, but I don’t think the right has been exercised yet. However, if you are going to have autosaves paused and only occasionally forget, this should be fine for you as one withdrawal a month should be fine.
Hope that helps,