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Chip: Savings app reviews

Name: Savings app
Rating: 4.94 (18462 reviews)

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4.94

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

12300% 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

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.

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Chip Savings app reviews (18462)

Amazing savings!!

I love chip, it’s helped me save much more than I would have ever put away myself. The way it calculates savings is so clever and I never have to dip in it! Savings are for a post lockdown holiday! Reviewed on: 10th March 2021

So easy to save!

I find Chip incredibly useful for making small, manageable saves. It calculates what you can afford to save without 'noticing' and you watch the money grow! I have the account which accrues some interest now and it's great to get small bonus payouts too. Reviewed on: 10th March 2021

Market beating interest rate

The interest rate is much better than any other on the market and the promising Investment platform is launching soon. Reviewed on: 10th March 2021

Great savings app!

Chip make it easy to save with the auto-save feature and payday put-away. It helps me stay disciplined in saving for the future. Reviewed on: 10th March 2021

Excellant

I have been saving with Chip for over 3 years now and I love it :) Reviewed on: 10th March 2021

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

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