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
Created with AI, based on recent reviews
What people talk about most
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
Company replied
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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Excellent prompt service
Excellent prompt service. I'm very happy with Chip
18 February 2026
Unprompted review
Reply from Chip
Hi Anne,
We are so pleased to hear this! we know that when it comes to your savings, 'prompt' service is key to peace of mind, we will be sure to relay your kind words to the team.
The Chip Team
Excellent customer support
I received really good support from Chip when I was having problems linking my bank account with my chip account. Their responses were quick, concise and helpful, so the problem was soon resolved. Thank you
12 February 2026
Unprompted review
Reply from Chip
Hi Peter,
That is exactly what we like to hear, linking a bank account is the most important step to getting your savings moving, so I’m glad our team was able to jump in and make it a smooth process for you.
The Chip Team
Timely and professional
Timely, clear and helpful response and advice when I needed information and guidance. Thank you
11 February 2026
Unprompted review
Reply from Chip
Hi Abimibola,
That is exactly what we aim for! We know that when you’re looking for guidance, the last thing you want is a slow or confusing reply. It’s great to hear that our team was able to provide the clarity you needed, right when you needed it.
The Chip Team
Very good communication
Very good communication, good products very pleased Highly recommend.
12 February 2026
Unprompted review
Reply from Chip
Hi Catherine,
That is wonderful to hear! We know that clear communication is just as important as the products themselves, so it’s great to see that balance is working well for you.
Thank you for the high recommendation, it means a lot to the whole team!
The Chip Team
Good customer service
Good customer service, Chip informed me that I needed to reconnect my bank account to the app, and informed me how to do this. Great support and a quick response to my questions.
7 February 2026
Unprompted review
Reply from Chip
Hi Alan,
It is great to hear that the reconnection process went smoothly for you! Open Banking connections usually need a quick refresh every 90 days for security, so I'm glad our team was on hand to guide you through it.
The Chip Team
Great service
Really simple, great way to manage money and get competitive interest rates. Very efficient and helpful customer support. Recommend
12 February 2026
Unprompted review
Reply from Chip
Hi Lewis,
Thank you for the recommendation! We’ll keep working hard to ensure we stay simple and efficient as your savings continue to grow, and we are always here to support you along the way.
The Chip Team
Great customer service
Contacted Chip with a question about the Prize Savings Account and was pleasantly surprised to receive a quick, helpful reply from an actual human. This is how customer service should be done - not the generic or AI-generated responses that sadly seem to be the norm these days. Good job, folks!
11 February 2026
Unprompted review
Reply from Chip
Hi Roy,
This feedback is a great reminder that while our tech handles the heavy lifting, our people provide the peace of mind. I'll make sure the team sees this and thank you so much for your review!
The Chip Team
Great communication with Chip….
Great communication with Chip….
Would recommend using them …. Fast and reliable service…. Excellent
11 February 2026
Unprompted review
Reply from Chip
Hi Susan,
It is fantastic to hear that you’re finding us fast and reliable! We know that clear communication is the foundation of a great banking experience, so it’s wonderful to know we’re hitting the mark for you.
The Chip Team
I wouldn’t waste your time opening up…
I wouldn’t waste your time opening up an account as once they’ve got you they soon lower the rate to just above 2% when they’re offering new customers 4.5% so really, not looking after you at all . When they say to you, oh, we will give you another 1% so that’s 3.5% still crap, Tesco’s pay 4% easy access . They start off well, then that’s it. No customer service no nothing
10 February 2026
Unprompted review
Reply from Chip
Hi There,
We’re really sorry to hear you feel let down. We know how frustrating it can be when rates change, especially if you see different offers elsewhere.
Our savings rates can move up or down in line with the wider market. From time to time we also run limited promotional rates for new customers, which is common across the industry. That said, we’re always working to keep our rates competitive and offer a range of options to suit different needs.
We’re also sorry to hear you feel there’s been no customer service. That’s certainly not the experience we want anyone to have. If you’re open to it, please reach out to us via the in app chat so we can look into your situation and support you properly.
Thank you for sharing your feedback.
The Chip Team
Good enough interest rate for instant…
Good enough interest rate for instant access, but the clincher for me is INSTANT transfer of monies into my bank account.
10 February 2026
Unprompted review
Reply from Chip
Hi Phil,
While we work hard to keep our rates competitive, we know that true "instant access" means getting your money back exactly when you need it so thank you very much for the excellent feedback.
The Chip Team
The most flexible service
The most flexible service. Excellent customer service and reassuringly robust security features.
9 February 2026
Unprompted review
Reply from Chip
Hi William,
We know that when it comes to your money, there’s nothing more important than a robust defense, so it’s great to know our security features are giving you that peace of mind.
I’ll be sure to pass your kind words along to the customer service team as well, they’ll be delighted to know their support is hitting the mark. Thank you for the high recommendation!
The Chip Team
Reply from Chip
Hi John,
Thank you for taking the time to share your support, we’ll always keep working hard to ensure the app and our service stay at that high standard for you.
The Chip Team
Great personal service and friendly…
Great personal service and friendly rapid response to any query.
6 February 2026
Unprompted review
Reply from Chip
Hi Carl,
It is wonderful to hear that you're enjoying the personal touch! knowing our team's speed and tone hit the mark for you is fantastic feedback and is exactly what we aim for.
The Chip Team
Very quick to reply to my question all…
Very quick to reply to my question all sorted thank you.
7 February 2026
Unprompted review
Reply from Chip
Hi Ian,
That is exactly what we love to hear! We know that when you have a question about your money, you want answers fast, so it’s great to know our team got everything sorted for you without the wait.
The Chip Team
Good online support
Although there is no phone number for support, the chat service was quick and thorough.
5 February 2026
Unprompted review
Reply from Chip
Hi Lesley,
It is great to hear that our chat service hit the mark for you! While we are a digital-first platform, we’ve focused all our energy into making our in-app chat as quick and thorough as possible so you aren't stuck waiting on hold.
That being said, we know some situations are better handled with a conversation, so we do look to support with these when needed to make sure your query is answered as soon as possible.
The Chip Team
Chip offers a good old fashioned financial service
Chip is a chip off the old block which in this case is a great old fashioned financial service and in my case a nest egg with a monthly prize draw! I was a bit doubtful of them at first wondering if they were a scam etc but no they are as honest as the day is long. They are handy when you need to save a bit or a lot for a rainy day or invest big or small in the stock market! Added to which, they are UK-based, and FCA-regulated. Their services is great! They always answer quickly and sort out any problems you may have. Thanks especially to Usamah for dealing with my savings account.
6 February 2026
Unprompted review
Reply from Chip
Hi M Westwood,
What a fantastic review! It is wonderful to hear that we’ve earned your trust as we know that moving your money to a new platform can feel like a big step, so hearing that you now see us as "honest as the day is long" is the best compliment we could receive.
We’re thrilled that you’re enjoying the monthly Prize Draw and the flexibility of our savings and investment options and I will be sure to give Usamah a special shout-out; he’ll be delighted to know he helped you feel secure and supported.
The Chip Team
Reply from Chip
Hi Peter,
That is exactly what we aim for! We know that when it comes to your money, speed and clear communication are everything and It’s great to hear our team's responsive action hit the mark for you.
The Chip Team
Very quick and easy
Very quick and easy! Decent interest rates to boot!!
6 February 2026
Unprompted review
Reply from Chip
Hi Melanie,
That is the perfect combination! We’re thrilled to hear that the app feels quick and easy to navigate, and even happier that our interest rates are hitting the mark for you.
The Chip Team
Technical issues now resolved
Usamah at Chip was great at helping us sort out opening another account with this company when accessing two separate accounts on a single device which caused us real issues. We now know we should access our accounts on separate devices.
4 February 2026
Unprompted review
Reply from Chip
Hi Mrs Shephard,
It is wonderful to hear that Usamah was able to get you back on track! Managing multiple accounts on one device can definitely be a bit of a puzzle, so I’m glad we could clarify that for you and resolve the technical hurdles.
I will be sure to pass your kind words along to Usamah, he’ll be thrilled to know his help made such a difference.
The Chip Team
Hi very good service etc
4 February 2026
Unprompted review
Reply from Chip
Hi Steve,
That is exactly what we love to hear! We’re thrilled that you are enjoying the service and finding everything to your liking.
The Chip Team
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