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Chip reviews

Chip logo
Rated Excellent • 4.94/5

Chip reviews

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Verified business Last reviewed within 7 days
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  • Award winning organisation
    Award winning organisation
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • FCA approved and regulated
    FCA approved and regulated

Review summary

People rate this company as Excellent based on 20,768 product reviews

Average score of 4.94/5
5 star
95%
4 star
5%
3 star
0%
2 star
0%
1 star
0%
Reviews for Chip have trended positively over the past 90 days

Chip's Savings App is loved for its effortless saving, competitive interest rates, and user-friendly design that makes managing money a breeze. The app’s automation and clear communication help even the worst savers build up funds without stress. However, some find customer service slow and the app-only model limiting, with a few unhappy about withdrawal difficulties and loyalty rewards.

Positive themes

  • Chip Savings App makes saving effortless with smart automation and easy use.
  • Chip Savings App offers great interest rates that beat high street banks.
  • Chip Savings App has brilliant customer service that’s quick and helpful.

Negative themes

  • Chip’s customer service can be slow and hard to reach when needed.
  • Withdrawing money from Chip can be difficult and slow for some users.
  • Chip rewards new customers better than loyal savers which feels unfair.
Summarised by AI
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About Chip

Chip help customers with savings and investment accounts.

Chip isn’t a bank but is an award-winning fintech challenger that was founded in 2017. Chip started out offering auto savings but now have a range of products on offer.

With Chip, you can get easy access accounts, cash ISAs, instant access and prize savings accounts. On the investing side, Chip offer investment funds and stocks and shares ISAs.

Chip at a glance

Contact details

Email
[email protected]
Social media

Reviews for Chip

Showing 11 of 20768 company reviews • Last reviewed within 7 days

Straight forward account

Stocks & Shares ISA • 12th February 2026

Chip is a really straight forward route into investing with a stocks and shares ISA, really clear info and fair rates. Had a really good... Chip is a really straight forward route into investing with a stocks and shares ISA, really clear info and fair rates. Had a really good experience with it and will continue using them. Read more Read less

{"display":"Michael L","full_name":"Michael L","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews

Easy and simple trading and saving

Cash ISA • 12th February 2026

Easy and simple trading and saving

{"display":"Alexandra G","full_name":"Alexandra G","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews
  • 5/5

    Flawless, simple, painfree saving and investment tool

    Flawless, simple, painfree saving and investment tool

    {"display":"Andy W","full_name":"Andy W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    Andy W 12th February 2026
  • 5/5

    I’ve been using the Chip Prize Savings account and h...

    I’ve been using the Chip Prize Savings account and have been really pleased with it. I keep money in the account and regularly win small... I’ve been using the Chip Prize Savings account and have been really pleased with it. I keep money in the account and regularly win small prize amounts each month, which makes saving more rewarding. With prizes of up to £250,000, it feels more exciting than Premium Bonds and offers more chances to win. A great option if you like the idea of prize-linked savings while keeping your money accessible. Read more Read less

    {"display":"Dovile ","full_name":"Dovile ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    I love my chip account.

    I love my chip account. It's just so easy to navigate & I can clearly see where my money is.

    {"display":"FIONA C","full_name":"FIONA C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Good experience.

    Good experience. Better interest rates than my other account.

    {"display":"Lucy B","full_name":"Lucy B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Easy access savings
    Lucy B 12th February 2026
  • 5/5

    Excellent and user friendly banking company

    Excellent and easy to understand app to use for setting up and maintaining accounts. Excellent rates of interest. Good variation of accounts available to choose from.

    {"display":"Carmel H","full_name":"Carmel H","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    Carmel H 12th February 2026
  • 5/5

    The easiest way to save, invest and grow your money.

    The easiest way to save, invest and grow your money.

    {"display":"Simon M","full_name":"Simon M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Prize Savings Account
    Simon M 12th February 2026
  • 5/5

    A great, friendly help money app.

    A great, friendly help money app. So easy to use, with education on money that even I can understand

    {"display":"Pamela D","full_name":"Pamela D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Queries are always answered swiftly.

    Queries are always answered swiftly. The app is so easy to use. Transfers are made quickly.

    {"display":"Lisa B","full_name":"Lisa B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    Lisa B 12th February 2026
  • 5/5

    A good way to start building savings.

    I've been using Chip for a good few years now, and it has provided me with the means to build savings, which I would have... I've been using Chip for a good few years now, and it has provided me with the means to build savings, which I would have originally not done. Interest rates are competitive and far exceed those of my bank...so it was a no brainer to switch my bank savings into Chip and earn some decent interest. Also using the Cash ISA to build a pot for our daughter. Really like the app. It's simple to use and I feel my money is well protected. I can add or withdraw funds as I need. Have only requested help on a couple of occasions, and responses have been quick and helpful. Other family members are also using it on my recommendation. Not the sort of thing I promote unless I feel that it is of good value, safe and simple to use, and with good financial benefits. Read more Read less

    {"display":"IT","full_name":"IT","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Instant access savings
    IT 12th February 2026

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