My chip app froze (probably a phone issue) which necessitated deleting and re-installing the app. In so doing, I lost access to my funds (the original mobile number upon which the account was opened i... See more
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Review summary
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Reviews shaping this summary
I sent Chip an email with a query I had before taking out an ISA. I had an immediate response from Matt explaining all that I needed to know and details of the offer I had queried, so I went ahead and... See more
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Following a bereavement, I was tasked with reaching out to Chip. All my messages were with the same person, Todd, who consistently offered his condolences . I was kept up to date with progress at... See more
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We opened Chip accounts earlier this year & have not been disappointed. The app is so easy to navigate. Transferring money in & out couldn't be easier, & seeing the daily interest adding up is great.... See more
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Company details
About Chip
Written by the company
Chip is here to make your life wealthy; we offer one simple, personalised experience to manage, grow and protect your wealth. That’s why we’ve been crowned ‘Best Personal Finance App’ in 2025, 2024, 2022, 2019 at the British Bank Awards.
With Chip you can:
- Start investing from £1 with our range of investment funds.
- Build wealth tax-free1 with our Cash ISA and Stocks & Shares ISA.
- Track your entire investments and savings portfolio in one place.
- Set your financial goals, link an account and save for those milestone moments.
- Our smart features, like autosaving and recurring deposits, help make investing and saving seamless and easy.
- Open any of our savings accounts completely free within minutes2.
- All savings accounts in Chip are eligible for FSCS protection on up to £85,0002.
- UK-based customer support available 7 days a week.
Everything else you need to know:
- Seccl Custody Limited is the ISA Manager for our Stocks and Shares ISA. A monthly or annual ChipX membership is required for certain funds selected within a Stocks and Shares ISA. Fund management charges apply. ISA limits apply. Invest £20k per tax year.
- Chip is a trading name of Chip Financial Ltd, authorised and regulated by the FCA (FRN: 911255). ClearBank Limited is the account provider for our savings accounts.
- Chip Financial (Investments) Ltd is authorised and regulated by the Financial Conduct Authority, under firm reference number 1005114.
- When investing, your capital is at risk. 1Tax treatment depends on individual circumstances and may be subject to change in the future. Chip does not provide tax or financial advice.
Contact info
232 Shoreditch High Street , E1 6PJ, London, United Kingdom
- hello@getchip.uk
- getchip.uk
4.4
Excellent
5K reviews
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Chip has been helpful & supportive
Chip has been helpful & supportive. They prevented a criminal trying to access my account after O2 ported my mobile number to a scammer!
They suspected fraud straight away & protected me from potential loss.
I am so thankful to them & can’t recommend them enough if you are considering an ISA or other investment soon. It’s an easy to navigate on line App, that has many layers of security.
13 January 2026
Unprompted review
Reply from Chip
Hi Jacqueline,
Thanks so much for sharing this, we’re really glad to hear about your experience.
Protecting our customers is something we take extremely seriously, so it’s reassuring to know our security checks worked quickly and helped prevent any potential loss after such a worrying situation. We can imagine how stressful that must have been, and we’re really pleased we were able to step in and keep your account safe.
It’s also great to hear you’re enjoying the app and finding it easy to use. We work hard to balance simplicity with strong layers of security, so your feedback means a lot.
Thanks again for the recommendation and for trusting Chip.
The Chip Team
My question was answered promptly and…
My question was answered promptly and with all the information I requested the Chip team really are extremely helpful thanks again
14 January 2026
Unprompted review
Reply from Chip
Hi Neil,
Thank you very much for your review, it's great to hear our team did get back to your query promptly whilst also making sure everything was answered, this is exactly what we always aim for.
The Chip Team
Excellent communication from agents
Excellent communication from agents. Agents responded to my enquiry in a timely manner.
11 January 2026
Unprompted review
Reply from Chip
Hi Dwayne,
It is brilliant to hear that you had such a positive experience with our team! Providing timely and clear communication is a top priority for us, so we are glad our agents were able to assist you promptly.
The Chip Team
OK app but terrible Customer service
I've been with Chip for about 2 years,. its a decent app and product offering. I've been using the Stocks ISA but the in-built time delay between selling Funds stocks is 1-2 days, which in a volatile market is far too long! I decided to move to another platform. This is where the problems started. It has been 2 weeks + now and no progress since i initiated transfers. Chip creates problems at every turn. The customer service Chatbot agent is very poor and makes it extremely difficult to even message a human. Customer service is solely through the app and you cant speak to a person on the phone. Then when i did get to write to a human he got all of his info wrong and it was only after i showed him info from Chip website that he stated i could do a transfer. Im still caught in this painful transfer process !
12 January 2026
Unprompted review
Reply from Chip
Hi Simon,
Thanks for taking the time to share this and we’re really sorry to hear how frustrating your transfer experience has been.
You’re right that fund trades don’t happen instantly, your investments are managed by the experts at the world’s biggest asset managers and are processed through our Investment provider Seccl, Seccl Custody Limited acts as the custodian for the money held in an ISA or GIA with Chip.
We use them to provide the behind-the-scenes technology that powers our investment platform, and Seccl is responsible for holding your cash and investments.
What’s not OK is the difficulty you’ve had during the transfer itself. Transfers can take a few weeks depending on the provider, but you shouldn’t have been given conflicting information or struggled to reach proper support. We’re sorry for that and for the stress it’s caused.
Our support is app based, but you should always be able to reach a human when needed, if you do have any further issues we can be reached at hello@getchip.uk via email as well.
The Chip Team
Good communication
In this day and age of poor communication-not wanting to pick up the phone and speak to customers, use of Bots etc, I have found Chip uk to be the opposite-they answered the phone and came back with a solution to my query in no time at all - a good service and very refreshing.
14 January 2026
Unprompted review
Reply from Chip
Hi D Wintle,
Thank you for your kind words! We are delighted that you found our service so refreshing and that we were able to provide a quick solution to your query.
While we primarily handle support through our secure in-app chat to keep your data safe, we always strive to provide a human, helpful experience that stands out so It is great to hear that our communication hit the mark for you.
The Chip Team
Quick response to questions
Quick response to questions
Explained all queries in details, I’m Very pleased with the team.
13 January 2026
Unprompted review
Reply from Chip
Hi Rita,
It is brilliant to hear you are so pleased with the support you received! we always aim to provide detailed and clear explanations quickly, and your kind words are appreciated from us all here.
The Chip Team
First Class Customer Care
I had a query regarding money that I had thought had been transferred to my Prize Savings Account. I went on an on-line chat with Keith, who was very supportive and promptly sorted out my situation. Even though I didn’t actually verbally speak to him ( which I prefer) .. The on line chat was very reassuring. It cemented my confidence in banking with Chip.
13 January 2026
Unprompted review
Reply from Chip
Hi There,
It is brilliant to hear that Keith could provide the reassurance you needed! We understand that preferring to speak to someone verbally is common, so it is great to know our in-app chat was able to cement your confidence with us.
I will be sure to pass your kind words on to Keith and the rest of the team.
The Chip Team
Reply from Chip
Hi Gareth,
Thank you for your kind recommendation! We are delighted to hear that you find us trustworthy and that you have had such a positive experience with our friendly customer service team. Providing a secure and supportive service is at the heart of everything we do.
The Chip Team
Chip don’t deserve a one star to be…
Chip don’t deserve a one star to be honest.
I’m an executor to my partners will and I’ve been trying without success for Chip to refund £50.13p,
I’ve had over 50 emails back and forth they don’t accept that I’m the executor and have been asking me for proof, I’ve sent them The Will, my passport, drivers licence, utility bill, letters from the bank, one minute they say yes you have passed the checks only to come back with something else.
Out of all the companies I’ve been dealing with Chip is by far the most bureaucratic of them all and the worst.
I would avoid this company at all costs with your finances would be my advice,
Minus five stars would be best suited for Chip
12 January 2026
Unprompted review
Reply from Chip
Hi Philip,
We’re really sorry to read this and we understand how upsetting and exhausting this process has been, especially when you’re dealing with a bereavement. That’s not the experience we want anyone to have.
We appreciate you providing extensive documentation and we’re sorry for the repeated requests. As a regulated financial provider, we’re required to complete very specific checks before releasing funds, these checks can unfortunately be stricter than those used by some other organisations, but they’re in place to protect the estate and prevent fraud.
That said, we recognise how frustrating it is to feel like the goalposts keep moving, and we’re sorry for the time and effort this has taken.
The Chip Team
Prompt and quick resolution.
Prompt and quick resolution from the Chip customer service team. For me the high street banks are so poor with communication, for instance one bank keeps contacting me apologising for the late response to my complaint, what complaint? Then another bank on the high street, sent me a card and pin separately. After a month of not being able to open my account, I sent the card back, then they sent me a statement, I have not put money into this account? Going back to Chip, the account covers customer services by text within the app, password and pin numbers as expected and are unique to you. As I have identified myself as a vulnerable customer, the customer service team at Chip are outstanding.
12 January 2026
Unprompted review
Reply from Chip
Hi Adrian,
Thank you so much for this wonderful feedback! It is brilliant to hear that our team has provided the support and clear communication you deserve, especially in contrast to your experiences elsewhere.
We take our responsibility toward our customers very seriously, providing a secure, straightforward, and supportive service is exactly what we strive for at Chip.
The Chip Team
Fast response to deal with my issue
Fast response to deal with my issue. Great customer team.
14 January 2026
Unprompted review
Reply from Chip
Hi Stephanie,
Thank you so much for your review, we always aim to get back to any query as quickly as possible so it's great to hear this was the case for you and you were not waiting for a extended period.
The Chip Team
Quick reply to my query and the issue…
Quick reply to my query and the issue was sorted out. Reply was clear concise and explained what would happen going forward. Very satisfied customer.
13 January 2026
Unprompted review
Reply from Chip
Hi Lesley,
It is brilliant to hear your query was handled so efficiently. We aim to provide clear, jargon-free support so you always know what to expect next and we are very glad to see this was the case for you.
The Chip Team
I'd no sooner sent a email to chip and…
I'd no sooner sent a email to chip and they were straight on to my lawyer. A great response to a long running problem that in my opinion shouldn't have been there in the first place!
Now I'm hoping that between them they will find out why? and get my funds into my chip account ASAP.
12 January 2026
Unprompted review
Reply from Chip
Hi Shaun,
I am pleased to hear we are making progress on this for you. While I am sorry it became a long-running issue, I am glad our team was able to coordinate quickly with your lawyer, If you need any further updates, our customer service team are happy to assist.
The Chip Team
Needed to confirm my personal details…
Needed to confirm my personal details but encountered an error. Roxanne helped me quickly and efficiently within 10mins.
Excellent support.
13 January 2026
Unprompted review
Reply from Chip
Hi Preston,
It is brilliant to hear that Roxanne was able to resolve that error for you so quickly! We aim to make confirming details as smooth as possible, and I will be sure to pass your kind words on to her. Thank you for the excellent feedback.
The Chip Team
Chip-tastic !
Very friendly and helpful people at Chip. I recently won on the Chip draw four times (£20.00) ! Happy days
13 January 2026
Unprompted review
Reply from Chip
Hi Pauline,
That is wonderful news! huge congratulations on your four wins, we are so pleased to hear you are enjoying the prize draws and that our team has been helpful along the way.
The Chip Team
Clear communications - Excellent service
Clearly communicated, jargon-free answer to an email query, received within hours, that did directly answer the specific question I had asked. A very satisfactory interaction.
7 January 2026
Unprompted review
Reply from Chip
Hi Pete,
Thank you for your feedback, we always aim to provide direct and helpful support without the fluff, so we are glad we hit the mark for you.
The Chip Team
Responsive and I felt supported
Responsive and I felt supported in resolving my issue. I feared the answer would be complex and hard for me to administer but with their help it was clear and simple.
5 January 2026
Unprompted review
Reply from Chip
Hi Joyce,
It is brilliant to hear that we could make a complex issue feel simple for you. We always aim to provide clear, accessible support so you feel confident managing your money. Thank you for your kind words.
The Chip Team
Great service
After what I thought to be a suspicious contact, I reported this to Chip. They contacted me via the app so I knew it was them. They were very helpful and their actions reassured me.
5 December 2025
Unprompted review
Reply from Chip
Hi Andrew,
It is great to hear that our team was able to provide the reassurance you needed. Keeping your account secure is our top priority, and we are glad the in-app chat helped confirm you were speaking with us. Thank you for being vigilant and for sharing your positive experience.
The Chip Team
Professional
Professional, genuine and efficient... dealt with very quickly...a breath of fresh air in these days when sitting on hold for ages has become the norm.
7 January 2026
Unprompted review
Reply from Chip
Hi Danny,
It is wonderful to hear you had such a positive experience! We know how frustrating long hold times can be, so we aim to keep our support quick and genuine, If you ever need us again, we are just a message away via the in-app chat.
The Chip Team
EFFICIENT
My query was dealt with very efficiently . Helping hand all the way .
5 January 2026
Unprompted review
Reply from Chip
Hi Edmund,
It is brilliant to hear your query was handled so efficiently. We always strive to provide a helping hand to our users, so we are glad you felt supported throughout the process.
The Chip Team
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