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Chip: Savings App reviews

Name: Savings App
Rating: 4.94 (18447 reviews)

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4.94

Based on 18,447 reviews, last reviewed 27th Feb 2026

23300% 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

Just an all round great app and company. Just an all round great app and company. Friendly, intuitive and really useful. Customer service is very responsive and helpful. Reviewed on: 27th February 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 (18447)

Great savings

Easy to use app and set up a savings account. I would certainly recommend them! Reviewed on: 10th March 2021

Simple to use app with great perks

The app is very simple to use and the company are offering one of the best interest rates in the uk at the moment. support has been excellent when a problem arose. Reviewed on: 10th March 2021

It was better before but hopefully will be good again one day

Positives: This app has helped me to save a lot of money the past year or so which I've been able to use to clear a credit card off! It's easy to use and the app is easy enough to navigate. You get notifications through the app and via email for autosaves on ChipAI which you can adjust or cancel if necessary. Negatives: so many gifs. Every save and email comes with some annoying gif playing on repeat. Doesn't strike me as being a professional company due to this, like they're trying too hard to be your friend... The main negative however is the lack of notice when changing their prices. When I joined, ChipAI was free. Then they changed to charging £1 per month (which I was notified about) but now it's at £1.50 per 28 days with no notice at all so I have moved to their standard Chip account which doesn't autosave or offer any incentives so I have no reason to keep it open now. The interest-earning savings account requires you to get someone else to sign up but everyone that I know either already has Chip or doesn't even use Internet banking so I can't access it despite being with them quite some time now. They seem to be trying to do too much at once with rolling out all of these new products that it just seems patchy and incomplete instead. Reviewed on: 10th March 2021

Love CHIP!

Such a great Savings App! I've always been totally useless at saving money, but since using CHIP, I have been able to save enough money to redesign my garden, without even noticing the money leaving my account! It's such a great concept and it really works. A must have for those of us who are pretty useless with money! :D Reviewed on: 10th March 2021

Happy Customer for Years!

I have been a very happy Chip user for years and have saved over £5,000! It has been great for auto and manual saves and I love the freedom to move money whenever I like. The updates have always been great and there are constantly new benefits for users to save more. I will always use Chip and recommend it to anyone, whether they're confident in saving independently or needing help. Reviewed on: 10th March 2021

Effortless way to save

Chip is great, it's allowed me to save money, I'd otherwise have spent. It is effortless Reviewed on: 10th March 2021

Easy-peasy

Because the application uses AI, it never takes too much or too little. Just enough that I don't notice every few days. And Chip is evolving into more than just 'savings' which is great to see in a maturing 'start-up'. Reviewed on: 10th March 2021

Best savings up out there.

Saves me a ton of money every few days and they have opened a market leading savings account now which makes things even better. Highly recommended Reviewed on: 10th March 2021

Incomparable interest rate

At the time I downloaded this app it had the best interest rate going for an easy access savings account. Took a small while to get the hang of how to use the app at the beginning but easy once you learn. Reviewed on: 10th March 2021

Easy and efficient

works in the background, is easily configurable and provides good interest Reviewed on: 10th March 2021

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