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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

89% decrease 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)

Easy to use good customer service

Easy to use good customer service Reviewed on: 20th March 2025

Great app and Great online banking facility

Great app and Great online banking facility Reviewed on: 20th March 2025

Easy to use, easy to understand - brilliant

Easy to use, easy to understand - brilliant Reviewed on: 20th March 2025

Great app, easy to use, good rates

Everything is good, but getting to chat to a person if something goes wrong could be streamlined. I made a mistake registering and it was about convoluted getting to chat (online) to a person, but once I did they were very helpful and resolved the issue Reviewed on: 20th March 2025

One of the best fintech apps out there!

Chip has been fantastic to keep specific pots of savings with goals attached and with competitive interest rates. UI is clear, simple and intuitive which I love. Transfer in and out is a breeze. Would like to see more differentiating products and features from other similar apps. Reviewed on: 20th March 2025

Positive and easy experience

Nothing but positive, easy to use the ap, easy to set up an isa and make regular contributions. Reviewed on: 20th March 2025

Chip does what it says on the tin!

Chip does what it says on the tin! Simple to add funds and a good interest rate. Everything is clear and straightforward. Reviewed on: 20th March 2025

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

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