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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

Best and easiest to use savings app!

Chip has allowed me to save 1000s over the past couple of years that I wouldn’t have otherwise. It takes an amount based on your current balance ensuring it won’t be felt. The savings I barley noticed coming out and they amounted to huge figures which went towards a once in a life time holiday to Vegas and now saving for a house! Would totally recommend to everyone even if not saving for anything in particular as it makes a huge difference to how much money you have! Reviewed on: 10th March 2021

No brainer

As the title says, it's a no brainer. Simple, easy to set up and chip does the rest! I certainly wouldn't have saved almost 4k in a year myself! Huge thankyou chip for making it possible Reviewed on: 10th March 2021

Great for saving

Easy to use, chips away into a saving account allowing us to save without knowing it. Reviewed on: 10th March 2021

Easy way to save money

Chip makes it very easy to save money through their app and also means you can check up on your funds easily and quickly via the app. Reviewed on: 10th March 2021

Top savings app with great UI

Chip's savings AI is fantastic and helps me to put money aside each month without really noticing. The app offers a seamless user experience and the rates on their Chip+1 account are market leading. A great, innovative company with a bright future. Reviewed on: 10th March 2021

So easy to use!

Chip is super easy to use. You link your bank account and Bob’s you uncle, it’s all sorted for you! Couldn’t recommend Chip more. Reviewed on: 10th March 2021

Easy way to save

For free have a saving account with 1.25% interest on up to £2000, or £1.50 every 28 days on upto £5000. With paying version set up the AI to move money from your bank into saving without you feeling the saving but getting the benefit of saving towards a goal. Does take 3 working days for the money to register into Chip and a slight delay in the money being withdrawn but with planning no issues there. Reviewed on: 10th March 2021

The simplest, easiest, best way to save money, painlessly!

The automatic savings make sure I pay myself regularly but never leave me short whereas before Chip i struggled to put away anything. Chip calculates how much I can afford to stash away and I've never missed any of the money the AI saves. Its amazing. The +1 rate is unbeatable too. Highly recommend. Reviewed on: 10th March 2021

Nice and easy app to use

Great interface, helps with savings and some great products too Reviewed on: 10th March 2021

Unethical business

Chip was off to a great start, but then started to mess with its customers since late 2020/ early 2021. Chip heavily advertised the Chip+1 account (which promised 1.25% interest on up to £5,000). However, after customers have shared this with their friends & families and signed up (you need to bring a “+1” to join), they unilaterally enrolled everyone into their “Chip AI” trial without their consent. Chip then forced everyone (who were still within their free trial) into paying the subscription of £1.50 per 28 days by updating their T&Cs. Alternatively, customers can manually downgrade from “Chip AI” to “Chip Lite” but only earn 1.25% interests on up to £2,000. Chip has managed to make a simple product so convoluted. I am also worried that they are also misleading its customers with their bait advertising & automatically enrolling their customers into a higher plan. I will be closing my Chip account soon. Reviewed on: 10th March 2021

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