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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

24800% 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)

Game changing savings app

The best savings app in the market. Market leading interest rates, disciplined saving cycles and ultimately the future of banking. Reviewed on: 19th January 2021

Awesome app

I love how chip are helping me and others for things that really matter, and giving the best returns too. Reviewed on: 18th January 2021

Saving simplicity

Literally the friendliest savings app out there, and currently offering the best rates I can get on easy access. Winning :) Reviewed on: 18th January 2021

They forget to put the customer first.

When Chip first launched, it was a really great concept. An app that would help you save more with you barely having to lift a finger after signing up. They do not appear to listen to their user base, and change direction with very little notice to the end user. They have been around for a few years now, yet lots of bugs remain trying to link your Chip account with your own high street bank, and their default stance is to sign you up to their paid service. You can opt out, so lose the AI savings feature and still save into their 0.3% account manually, or transfer into their 1.25% bonus account, where you are only paid a bonus on withdrawing your full deposit, and the bonus is non compounding. If you are looking to try out their AI savings, then the first £100 auto saved is free. You are then charged £1.50 every 28 days, regardless if it is able to save you anything or not, so £19.50 a year. The app certainly helps confuse the simple, and is definitely not orientated at the financially savvy either, so not sure what the target audience is. Reviewed on: 18th January 2021

Savings made easy and rewarding

By far the simplest and easiest way to save ever and you actually get a great interest rate compared to any other savings account. The best savings app by far! Reviewed on: 18th January 2021

Making saving effortless

Easy UI, with good comms about what is happening with my account. Most of all me saving money without having to think or plan it, it just is happening always. Reviewed on: 18th January 2021

OK if you have no clue about your money

Yes they put money away for you but they are very careless with your money. I have found several deductions which appear on my bank statement but are not accounted for on my Chip statement. The impression I get is that it's a bunch of millennials who are very casual about other people's money. If you have a problem they send you a smiley face and expect you to suck it up. Reviewed on: 12th December 2020

Chip have stolen my money

I have tried to send the money back to my account several times. Chip then closed my account without giving me my money back- fraud company Reviewed on: 7th December 2020

Don't do it

Went to withdraw my money and said money got lost. Chip doesn't have it, my bank doesn't have it and the worst part is they have no answers. No idea where my money is Reviewed on: 18th June 2020

Save without trying

A great idea to put save, by automatically spending! Just goes into another account! Reviewed on: 27th April 2020

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