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Chip: Savings app reviews

Name: Savings app
Rating: 4.86 (18462 reviews)

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4.86

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

93% 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)

Chip: Excellent App, Rates & Customer Service

Very easy to setup & use. Seamless transfers from my current account into Instant Access savings account. Interest rate on said account very good. The App itself is very easy to use & navigate. When I have had to use customer service, the interactions have been swift, efficient & courteous. Plus I can go back & review what was said within the app. They look after their customers & are always on the look out for new products. Security in the app is good & communications sent by Chip are well thought through & customers don't get bombarded. Reviewed on: 23rd February 2024

This app has helped me save without feeling the pinch.

This app has helped me save without feeling the pinch. I am suprised how much miney builds up, which is a big help when unexpected bills arrive! Reviewed on: 23rd February 2024

Great savings app

An easy to use app for novice and advanced investors, which helps people become more financially literate and get their money talking! Reviewed on: 23rd February 2024

Thank you, Chip.

I just had to go back through my emails and find out when exactly I started my Chip journey, it was 2018. I opened up my first few emails and was met with a GIF for each one celebrating an automatic save, those days were so fun (the kitten snatching the wad of cash? Adorable!) In all these years I’ve used this app it’s just grown from strength to strength, and because of that, so has my ability to save. Automatic saves made stashing little (or big) amounts of money away every few days so easy and it just showed how that money builds up over time. The introduction of payday saves helped prioritise my outgoings and set aside another sum of money so as to avoid unnecessary spends. Every year Chip has grown and been able to offer people like me, new ways to save my money. Easy access account with high interest earnings, prize money accounts, cash ISA, investments, come on how can you not be so excited by these opportunities? One big factor is that you can be a real beginner in all these areas, but Chip still makes you feel in control and gives you the confidence to make your money work hard. According to my latest figures, I have saved £73,000 since I started my journey. I’d like to thank Chip for helping me get to a place where I feel comfortable and confident with my savings, I will continue to be a Chip user and fan! Reviewed on: 22nd February 2024

Chip helped me build a portfolio.

Chip has helped a complete novice build a portfolio of wealth that I never thought possible. The app is so easy to use, and it's great to see your money growing without even thinking about it. I am now in a situation where I can breath finacially so when the big urgent repairs bill come in we have a buffer to cope. Chip is a revolutionary app that has helped individuals, both novice and experienced, reach their financial goals with ease. By providing innovative tools and features, Chip has made investing accessible and effortless for all users. The app boasts a user-friendly interface, making it easy for anyone to navigate and understand. This means you don't have to be an expert in finance or technology to start building wealth with Chip. You can simply download the app on your smartphone or tablet and get started in minutes. Once you've downloaded the app, you can set up your account by linking your bank details. This process is quick and easy. Reviewed on: 22nd February 2024

Good interest rates comparing to the market, very ea...

Good interest rates comparing to the market, very easy to make deposits or withdrawals. The app is simple and easy to use. They’ve got a nice portafolio for savings accounts or ISA’s. Reviewed on: 22nd February 2024

Always good and easy and efficient

Always good and easy and efficient Reviewed on: 22nd February 2024

chip has fantastic interest - is easy to set up and...

chip has fantastic interest - is easy to set up and easy to manage Reviewed on: 22nd February 2024

Good communication, one of the best for a bank!

Good communication, one of the best for a bank! Reviewed on: 22nd February 2024

Real, Reliable 21st Century Money Management

Fast, efficient and great value for money and once you have sampled this, it is so easy to recommend to friends and family that they benefit from such a great bank. A link between your current account and Chip is soon arranged and as soon as your current account (earning no interest!) has a little surplus to immediate requirements it can almost instantly transferred to your Chip account, which still offers almost 5% interest (22.2.24)! When required to reinforce your current account the required sum can be transferred with the same speed. I have recommended 2 family members and they have taken up the option, which will see us both receive a bonus. On the 6th of April I shall be opening a Chip ISA, which not only has a great interest rate, it also allows the same speedy transfers should money be required, as the balance remains sheltered by the ISA 0% Tax deductable! With the loss of tax free savings allowance increases interest can soon become taxable so this extra cushion will stop me worrying about that! Chip also has a prize giving area which can be dipped in and out of if you are lucky & again getting your money out or putting it back to earn great interest can be immeciately actioned. I have not used Chip's investing area as have long standing connections elsewhere, but to those who have little or no experience the facilities on offer look good and again will no doubt be of the same high standard. I have not experienced any problems with Chip and with 2 relatives also actively running their finances through the Chip know they share this great service! Such a refreshing and innovative on line service that I am both pleased and proud to be a user of. Real 21st Century Money Management to which I probably should have applied to be an owner of (though did not take up the offer of!) Time may mean I add "with regret" to, though am totally satisfied in just using such great, reliable and profitable services. Reviewed on: 22nd February 2024

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