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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)

Life changing!!!

I have historically been useless with saving money. If its in my account, its getting spent! Which means that if anything financially unexpected should happen, I'd be in trouble. Chip uses auto saves which calculate how much you can save today, based on a number of smart background checks. I can ask it not to save when I get below a certain figure in my account, and decide whether I want to let chip take savings if I'm in my overdraft or not. I also use the pay day put away feature, so that when I'm first paid I can save a chunk of money before I get the chance to spend it. I've gone from being rubbish with money and savings, to being in the top 5% of savers with chip! There are varying types of account, with varying ease of access to my money. The instant access is just that; if I need any money from that account, I get it within 2 hours. There is minimal interest earned on that account, but the chip+1 account which gives a whopping 1.25% interest is an easy access account, which gives you funds in your account within 1-2 working days, depending on whether your withdrawal is before or after 11am. The app itself is super easy to use and there's a chat function where someone will get back to you immediately, or if out of working hours, the next working day. Chip is something which has made a huge difference to my financial stability and I'll be using this for years to come! Fantastic product, can't recommend enough. Reviewed on: 10th March 2021

Saving made simple

It's really easy to set up and the auto saver makes it really easy to put money away. The competitive savings rate is an added bonus. Reviewed on: 10th March 2021

Satisfied customer

I've been happy with how simple it is to set up chip and the great above market returns Reviewed on: 10th March 2021

Very clever functionalities and easy to use

The app has been designed very well both in terms of functionality and aesthetic. It allows you to save without needing any input from you. Very flexible to allow users to intervene if necessary. Reviewed on: 10th March 2021

So much saved

It's so easy to save money each month. As well as having scheduled savings, Chip's AI calculates how much extra you can afford to save, meaning you save more than you thought you could! It's great! And the 1.25% rate is fab news too! Reviewed on: 10th March 2021

Modern way to save!

Chip is a fantastic tool for a generation who aren’t as focussed on saving - working in the background to build a pot without jeopardising your normal spend. It’s helped me to book holidays and make house renovations that I otherwise couldn’t afford. Also, the developers keep improving and adding functionality such as high interest saving and investment opportunities. Clearly the way forward for banking! Reviewed on: 10th March 2021

Great app

Excellent app that works in the background to help me save money. Reviewed on: 10th March 2021

Chip bonus is amazing

Have been saving with Chip for many years with an 5% introductory bonus which was incredible. Still impressive that they’re now able to offer 1.25% bonus up to £5k during the pandemic whilst most banks have cut their savings interest rates to less than 0.5%. Thanks for getting us one step closer to our goals! Reviewed on: 10th March 2021

Straightforward, clear and easy to save -with great touches

I've only used Chip for a short period of time, but I've already made the most of its excellent rates, its smart save features and its easy to understand approach to simple saving. Reviewed on: 10th March 2021

Traditional banks watch out!

Chip has helped me to save towards my financial goals and I’ve auto saved an amount I wouldn’t have thought possible, nor an amount I would have saved if I were saving manually. Really great tool with lots of innovation on the roadmap. Can’t wait to see what else is to come! Reviewed on: 10th March 2021

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