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Chip: Savings App reviews

Name: Savings App
Rating: 4.94 (18456 reviews)

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4.94

Based on 18,456 reviews, last reviewed 8th Apr 2026

24300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

East to access with decent rate of return East to access with decent rate of return Reviewed on: 8th April 2026

Latest lowest rating:

1

No idea what they are doing. Chip seems to have lost its way massively. A company originally to help low earners begin their savings journey by ‘chipping in’ small amounts, now is... Read more Reviewed on: 22nd April 2025

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About this product

Chip allows users to connect their current accounts and automatically save a little money every few days.

Using Chip to help save money already? Please leave some honest feedback on your experiences with Chip in the form of a quick review. Your Chip review helps others decide which personal finance app is right for them.

Or here to see if Chip is just what you need? Read our Chip reviews to see what our community has to say about this innovative new app.

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Chip Savings App reviews (18456)

Disruptive yet Simple idea

Takes the stress out of personal finance and delivers an extraordinary tool in the hands of retail customers. I am glad it is turning out to be a one stop shop for all the savings and investments needs. - Aurobindo Reviewed on: 25th March 2021

Helpful

Extremely convenient and useful. Makes saving easy as hell!! Reviewed on: 25th March 2021

Recommend Recommend Recommend

100% worth the £1.50 monthly charge for auto-saves. I spend what I have and this app has changed everything! I am saving for the first time in my life Reviewed on: 25th March 2021

Great app

Great app that makes saving easy. Reviewed on: 25th March 2021

Savings App

This savings app has helped me save money even through a pandemic! It’s automatic saves are easily adjustable and you barley noticeable. 10/10 would recommend to a friend, in fact...I have ! Reviewed on: 25th March 2021

Hassle free savings

AI does the savings for you while you get a market leading interest rate Reviewed on: 25th March 2021

It's changed my finances

I've always been terrible at saving. Even when I'd set a direct debit up I would end up cancelling it because I always set it too high and ultimately couldn't afford it. Chip only takes what I can afford, when I can afford it. It literally chips away at my bank account, squirrelling away funds for those all-too frequent rainy days. And if I feel it's chipped away a little too much? It takes me mere seconds to cancel a pending save. It's made my Christmases, birthdays, holidays, whatevers so much more enjoyable because I now always have spare cash precisely when I need it. (That reminds me, I need to book my MOT...). Reviewed on: 25th March 2021

Easy & Life Changing

It’s always hard to save money, it doesn’t matter what your job or situation is. Chip takes the stress away and allows little savings to be made almost weekly in my case and has allowed me to save money without even realising it. It’s very rare I can speak so fondly of an App but Chip really is life changing Reviewed on: 25th March 2021

Actually pays interest

Every single high street bank out there pays a stupidly low interest rate. Why do they actually bother it’s that low. Chip pays 1.25%. That’s 3 times higher than some of the multi billion pound banks. Reviewed on: 25th March 2021

Easy and hassle free

I love chip, it’s very easy to use and with ChipAI you can alter how aggressively you auto-save. There could be more transparency around the bonus payment as it seems to take a while to accrue, and the monthly fee to have AI account is only worth it if you’re going to use the full limit to get the best bonus otherwise you’re no better off. Aside from that though, good tech and great use of open banking Reviewed on: 25th March 2021

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