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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)

I have money ina cash ISA

I have money in. Chip cash ISA, I like the fact that the interest is paid monthly and that you have have 3 withdrawals per year without getting penalised. Reviewed on: 20th March 2025

Excellent Savings App

The app user interface is great, I really like the charts and ease of use. Great value and rates. I'm happy to continue having to accept links to my accounts every 90 days. Good range of products. Reviewed on: 20th March 2025

Chip: Great Rates

I’ve been using Chip for a while now, and overall, it’s a crackin’ app for savin’. The 5% AER Limited Access account is ideal if you’re putting money away for a specific goal, as it offers a high interest rate but limits you to three withdrawals a year, which helps you stay disciplined. For more flexible saving, the 4.01% Instant Access account is spot on—it still offers a competitive rate but lets you dip in and out whenever you need, which is perfect for more short-term or emergency savings. The app itself is dead easy to use, with a clean, straightforward layout. It links seamlessly with major UK banks like Barclays, Halifax, and Monzo, making it simple to move money in and out. I also like the auto-saving feature, which either rounds up your spending or stashes a bit away based on your spending habits—it’s a canny way to grow your savings gradually without noticing too much. Security-wise, I feel confident using it, as Chip is partnered with ClearBank, meaning deposits are FSCS protected up to £85,000. It’s reassuring to know that your money is covered, giving it the same level of protection as a traditional bank. The only downside I’ve found is customer service. While the app runs smoothly, if you ever need support, it can be a bit slow to get hold of a human, and the chatbot isn’t much use for anything beyond basic queries. When you do get through, the staff are helpful enough, but the response times could definitely be quicker. Overall, I’d say Chip is a brilliant option for savers looking for high interest rates with minimal effort. It’s great for building a savings pot gradually and offers proper protection for your money. The app’s easy to use, and the interest rates are some of the best you’ll find right now, making it a solid choice—just be prepared for slightly slow customer service if you need help. Reviewed on: 20th March 2025

Such a great way to save money

Such a great way to save money and earn interest and/or win money deposits in to your account. Always coming up with new ideas and suggestions for maximising savings. Make me feel valued and regularly introduce new accounts to their offering. Reviewed on: 20th March 2025

A game changer

Industry beating rates with a very easy to use interface. Reviewed on: 20th March 2025

Good rates and an easy process to open accounts and...

Good rates and an easy process to open accounts and move money. Reviewed on: 20th March 2025

Easy and intuitive

I’ve found Chip really easy and intuitive to use, and the few times I wasn’t sure about something, the FAQs were actually helpful. The app makes it incredibly easy to keep track of savings and setting targets. Reviewed on: 20th March 2025

The only real savings account.

As. I founder member this is the only savings account of any type that I’ve been successful in saving any money whatsoever. Reviewed on: 20th March 2025

The application is fast and easy.

The application is fast and easy.The interest rates are competitive with other platforms Reviewed on: 20th March 2025

Love the app and the seemless transfer

Love the app and the seemless transfer Reviewed on: 20th March 2025

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