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Chip: Savings app reviews

Name: Savings app
Rating: 4.86 (18462 reviews)

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4.86

Based on 18,462 reviews, last reviewed 16th Apr 2026

93% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Chip is the Greatest! Chip is the best savings/investment platform there is Reviewed on: 16th 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 is an award-wining app that lets you manage your funds across Chip savings accounts.

After downloading the Chip app, it only take a few minutes to set up a Chip savings account. You can set out financial milestones using the Goals feature and track your progress in the Chip app.

Chip savings app reviews help you find out what it’s really like to be a customer. If you’ve used Chip before, you can also leave a review and share your experience.

Chip Savings app reviews (18462)

Review of the Chip, Savings app:

Best App ever!

Best App ever! Love how easy and secure is to deposit the money and see my savings growing every month is amazing! Reviewed on: 28th March 2025

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

It is easy to set up and operate

Chip has a nice app and provides competitive saving rates. Reviewed on: 25th March 2021

Best savings rate and I don't have to think about it

Chip is revolutionizing the way people save. I don't even have to think about it. I saved £2,000 this year without even noticing! Reviewed on: 25th March 2021

Yy

Excellent service and easy to use app Reviewed on: 25th March 2021

Saving without knowing

Great savings app that auto saves and builds up a nice savings pot for a rainy day or investing. Reviewed on: 25th March 2021

Top savings app

Having only recently joined Chip, I can report that my experience to date has been very user friendly. Its encouraged me to save on a regular basis with the auto save function and have been kept informed of any changes and enhancements. I’m impressed! Reviewed on: 25th March 2021

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