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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Easy to set up and good rates for the…
Easy to set up and good rates for the time i used it. They are bringing in new products so may join again in the future.
3 February 2026
Unprompted review
Reply from Chip
Hi Chetan,
It is great to hear that you found the setup easy and enjoyed the rates during your time with us! We are constantly working on expanding our range, so it is exciting to know our new products might bring you back into the fold in the future.
We’d love to welcome you back whenever the time is right. In the meantime, thank you for the support.
The Chip Team
Been with CHIP for a few years and…
Been with CHIP for a few years and found the App very easy to use. Had to close the account as needed the funds and needed a final interest statement for tax. Forgot to download before I closed.
Emailed them an hour ago to get the statement and got a virual immediate reply with everything I needed. Amazing service. Thank you CHIP especially Usamah for fantastic service!
31 January 2026
Unprompted review
Reply from Chip
Hi Gay,
What a fantastic way to wrap up your time with us! It’s brilliant to hear that even as you were closing your account, our team and especially Usamah could get you exactly what you needed for your tax records within the hour.
We believe great service shouldn't stop just because you've reached your savings goal. Thank you for being a part of the Chip community for the last few years; you’re always welcome back if you decide to start a new savings journey in the future!
The Chip Team
Wrong Information Given
I asked about a Chip bank transfer from the Leeds Building Society to my Trip ISA. The answer related to the Yorkshire bank. I asked again, told them it was the Leeds BS and got absolutely no answer. My ISA will now, unfortunately, be transferred to another bank. A phone call would have answered this immediately.
After this review I had a reply from Chip and I am happy to say they gave me better information. I have yet to try, but well done to Chip for apologising and restoring my faith in them!
28 January 2026
Unprompted review
Reply from Chip
Hi Lucy,
I am very sorry for the frustration and for the fact that we weren't able to provide the clarity you needed regarding your transfer from Leeds Building Society. It’s disappointing to hear that a breakdown in communication has led to you moving your ISA elsewhere, as we always aim to make these transitions seamless.
We understand that sometimes a quick conversation can resolve what text cannot. While we currently focus on digital support, we are actually looking to make big improvements to the chat journey this year to ensure our responses are more accurate and that "no answer" isn't an experience our users have. If you would give us one more chance to look into this for you, please reach out to hello@getchip.uk so we can investigate why your query was mishandled.
The Chip Team
A great platform with great service…
A great platform with great service around the clock. Chip UK helped me get on the stocks & shares ladder. Highly recommended.
31 January 2026
Unprompted review
Reply from Chip
Hi James,
It is fantastic to hear that we could help you take those first steps onto the stocks and shares ladder! Building a portfolio can feel like a big leap, so we’re thrilled that our platform and around-the-clock service made the process easier for you.
Thank you for the high recommendation. We look forward to supporting you as you continue your investing journey!
The Chip Team
Poor customer service avoidable communication delays.
tried to transfer my Cash ISA from Chip to another provider. The transfer failed because of a simple address mismatch something that could have been easily communicated and fixed.
Instead of notifying me, Chip kept me in the dark. When I raised a complaint about this lack of communication, Julie from Chip refused to take any accountability and simply fobbed me off to the Financial Ombudsman Service and my new provider.
This caused unnecessary delay, stress, and inconvenience completely avoidable if Chip had informed me promptly. Their processes and customer care are seriously lacking. I would caution anyone considering Chip to be aware of their poor communication.
30 January 2026
Unprompted review
Reply from Chip
Hi AR,
We are sorry to hear about this experience. We understand how frustrating and stressful it must have been, especially when the issue was something that could have been resolved quickly with clearer communication.
While Cash ISA transfers involve multiple parties and checks, you are right to expect timely updates when something prevents a transfer from completing. We are sorry that this was not communicated clearly and that it led to unnecessary delays and inconvenience. That is not the standard we aim to provide.
Your feedback around communication and how this was handled has been noted and is important to us as we continue to improve our processes.
The Chip Team
Love Chip!
Love Chip!! I was a fist time investor and Chip made it so easy and seamless. The customer service team are so nice and really helpful, and everything works great with my savings and investments, so sleek. Wouldn’t change a thing :))
30 January 2026
Unprompted review
Reply from Chip
Hi Amina, we designed Chip to be sleek and seamless specifically for people starting their journey, so knowing you’ve found it easy to use is the best feedback we could ask for.
I’ll be sure to share your lovely comments with the customer service team, they'll be delighted to know they made a great impression.
The Chip Team
Company policy
The staff were good. However, they work within company guidelines. Polices are, as usual, far more complicated than necessary. I am still no wiser as to why my interest payments were shown as incorrect. The web site is unhelpful. There is no advice given regarding the best account. Everything encourages you to use the site. Human intervention is discouraged.
29 January 2026
Unprompted review
Reply from Chip
Hi David, I appreciate your honesty regarding the hurdles you've faced. While I'm glad our staff provided good service, it's clear the underlying process for interest transparency and account guidance didn't meet your expectations and your feedback has been passed along internally.
If you'd like a more detailed breakdown of your interest calculations, please do reach out in the app or via email at hello@getchip.uk; our team would be happy to explain the math behind your balance.
The Chip Team
Very patient and helpful
29 January 2026
Unprompted review
Reply from Chip
Hi there, It is wonderful to hear that our team’s patience and support made a difference for you! We know that financial queries can sometimes be complex, so we’re committed to taking the time needed to get everything exactly right.
The Chip Team
Easy to use
Easy to access, easy to control & follow your finances whichever account you use
29 January 2026
Unprompted review
Reply from Chip
Hi Mr Harrison,
It is great to hear that you're finding it so simple to stay on top of your finances! We designed the app to give you total control and visibility across all your accounts in one place. Thank you for the amazing feedback.
The Chip Team
Polite and helpful
I have a tricky situation. I live with 2 different names, one being my maiden name and one being my ex married name. My current account was opened before I got divorced but all my legal documents to verify myself are in my maiden name - changed after my divorce. This made opening my new account tricky. The customer service team were helpful and speedy with processing all my info once I supplied everything needed, and they were always polite.
27 January 2026
Unprompted review
Reply from Chip
Hi Leila,
We really appreciate you sharing this, It’s great to hear that our team could handle the complexities of your name change with the sensitivity and speed you deserved.
We aim to make the verification process as smooth as possible, even in tricky situations, so it’s wonderful to know we got you sorted. Thank you for your patience and for the kind words about our team's politeness.
The Chip Team
Chip provides excellent customer service
I always find that Chip is quick to respond to queries. I requested account statements showing my account number (as the statements in the app didn’t show this) and Chip provided them to me the same day.
20 January 2026
Unprompted review
Reply from Chip
Hi SV,
It is brilliant to hear that the team could provide your custom statements so quickly! We understand how important it is to have the right details for your records, so I'm glad we could help the same day.
The Chip Team
Shel was so helpful
Shel was so helpful! I used chat to ask a question about withdrawal penalties, and Shel answered super clearly but also perfectly succintly. No need to go back and forth with more questions (which sometimes happens even with the most helpful customer service) - she covered all bases first time, even things I hadn't asked.
26 January 2026
Unprompted review
Reply from Chip
Hi Grace,
It is brilliant to hear that Shel provided such a comprehensive and clear response! We always aim to "cover all bases" in one go to save you time, so it’s great to know she anticipated your needs perfectly. I’ll be sure to pass your kind words on to her. If you need anything else, we’re always here to help via the in-app chat.
The Chip Team
Excellent customer service I had an…
Excellent customer service I had an issue with my account as I forgot my log in they had it sorted and I was able to access my account within about 30m minutes 👍
22 January 2026
Unprompted review
Reply from Chip
Hi Maureen,
We know how stressful forgetting login details can be, so we’re glad the team had you sorted within 30 minutes. Thank you for the positive feedback.
The Chip Team
Excellent support through the app
24 January 2026
Unprompted review
Reply from Chip
Hi Aoife,
It is brilliant to hear that you've had such a positive experience with our in-app support! We pride ourselves on being accessible and helpful whenever you need us. Thank you for taking the time to share your feedback.
The Chip Team
Fantastic help and a pleasure to have…
Fantastic help and a pleasure to have them supporting me
20 January 2026
Unprompted review
Reply from Chip
Hi Gary,
We’re thrilled that our team could make your support journey a pleasure. Thank you for the fantastic feedback.
The Chip Team
Swiftand straightforward
22 January 2026
Unprompted review
Reply from Chip
Hi David,
It is brilliant to hear that you found our service swift and straightforward! We aim to make managing your money as seamless as possible, so it is great to know we hit the mark.
The Chip Team
Absolutely fantastic
Absolutely fantastic, had my query resolved in a matter of minutes
22 January 2026
Unprompted review
Reply from Chip
Hi Jack,
That is brilliant to hear! We aim to provide a service that is as fast as it is helpful, so I’m glad our team could resolve your query in just a few minutes.
The Chip Team
The bereavement team is poorly educated…
The bereavement team is poorly educated in probate law, disrespectful, and consistent in making a difficult time harder. There are better providers available
21 January 2026
Unprompted review
Reply from Chip
Hi There,
We are really sorry to read this and to hear about your experience. Dealing with probate is already challenging, and it is upsetting to know that our bereavement support did not meet the standard you deserved during such a difficult time.
We take concerns about knowledge, communication and respect very seriously, especially in sensitive situations like this. Your feedback has been noted and will be shared with the relevant teams so we can review how we support customers through bereavement and probate.
If you are open to it, please reach out to us via email so we can look into what happened and understand your experience in more detail.
The Chip Team
Very good interest rate for one year
Very good interest rate for one year, then it dropped, so I swapped.
7 January 2026
Unprompted review
Reply from Chip
Hi there,
It is great to hear you enjoyed the rate for your first year! While some rates are promotional or subject to market changes, we always aim to offer competitive options for our long-term savers too. We’re sorry to see you go, but thank you for saving with us. If you ever decide to return, we’d love to have you back.
The Chip Team
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
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