Been using Chip for years and genuinely cannot fault them. Their savings accounts and their investing plans are great. They have done a lot of work bringing in exciting prize opportunities over the ye... See more
Company replied
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Review summary
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What people talk about most
Reviews shaping this summary
My chip app froze (probably a phone issue) which necessitated deleting and re-installing the app. In so doing, I lost access to my funds (the original mobile number upon which the account was opened i... See more
Company replied
Used the helpline on a couple of occasions, both times had a same day reply. Questions asked accurately and politely. Just recommended Chip to a friend of mine who’s deposited £120k, that’s how good t... See more
I sent Chip an email with a query I had before taking out an ISA. I had an immediate response from Matt explaining all that I needed to know and details of the offer I had queried, so I went ahead and... See more
Company replied
Company details
About Chip
Written by the company
Chip is here to make your life wealthy; we offer one simple, personalised experience to manage, grow and protect your wealth. That’s why we’ve been crowned ‘Best Personal Finance App’ in 2025, 2024, 2022, 2019 at the British Bank Awards.
With Chip you can:
- Start investing from £1 with our range of investment funds.
- Build wealth tax-free1 with our Cash ISA and Stocks & Shares ISA.
- Track your entire investments and savings portfolio in one place.
- Set your financial goals, link an account and save for those milestone moments.
- Our smart features, like autosaving and recurring deposits, help make investing and saving seamless and easy.
- Open any of our savings accounts completely free within minutes2.
- All savings accounts in Chip are eligible for FSCS protection on up to £85,0002.
- UK-based customer support available 7 days a week.
Everything else you need to know:
- Seccl Custody Limited is the ISA Manager for our Stocks and Shares ISA. A monthly or annual ChipX membership is required for certain funds selected within a Stocks and Shares ISA. Fund management charges apply. ISA limits apply. Invest £20k per tax year.
- Chip is a trading name of Chip Financial Ltd, authorised and regulated by the FCA (FRN: 911255). ClearBank Limited is the account provider for our savings accounts.
- Chip Financial (Investments) Ltd is authorised and regulated by the Financial Conduct Authority, under firm reference number 1005114.
- When investing, your capital is at risk. 1Tax treatment depends on individual circumstances and may be subject to change in the future. Chip does not provide tax or financial advice.
Contact info
232 Shoreditch High Street , E1 6PJ, London, United Kingdom
- hello@getchip.uk
- getchip.uk
4.4
Excellent
5K reviews
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1st class service by Rikki
I had a unusual technical issue that did not allow me to link my account to current account. When I explained to customer service rep, Rikki she was very helpful in putting me at ease and although the issue was not resolved for 24 hrs, Rikki did make the required transfer to my account immediately and therefore put my mind at ease. The service she provided was professional, informed, patient, empathetic and clear in her guidance. I was so impressed I have written this review, well done Rikki, you are a credit to yourself, your team and Chip.
March 20, 2026
Unprompted review
Reply from Chip
Hi Robert,
Thank you very much for sharing your experience. We are delighted that Rikki provided such an exceptional level of professional and empathetic support during your technical inquiry. Ensuring our users feel secure and informed during complex issues is vital, and we will be certain to pass your high praise along to Rikki.
The Chip Team
Wanted to know a few questions from…
Wanted to know a few questions from chip , sent an email and got a reply in a couple of hours . Chip is definitely in my opinion the best and easiest to navigate savings app . Highly recommend chip to anyone looking to grow their wealth at a steady and easy pace.
March 20, 2026
Unprompted review
Reply from Chip
Hi Laurence,
We really do appreciate your recommendation. Our goal is to provide a seamless and intuitive environment for our users to grow their wealth, and it is gratifying to know that our app’s navigation and our team’s responsiveness have supported your financial goals.
The Chip Team
Everything was easy to understand
Everything was easy to understand. And service is spot on. Many thanks 😊
March 24, 2026
Unprompted review
Reply from Chip
Hi Keith,
Thank you for your wonderful feedback! We are pleased to hear that you found our platform easy to understand and that our service met your expectations. Providing a transparent and efficient experience is a core priority for us and we appreciate your recognition of our efforts.
The Chip Team
Reply from Chip
Hi Le,
Thank you for your review! We aim to ensure that all queries are handled with clarity and speed. We are glad we could provide the answers you needed promptly.
The Chip Team
Fantastic service
Fantastic service, so friendly and knowledgeable. Cannot recommend Chip highly enough.
March 23, 2026
Unprompted review
Reply from Chip
Hi Stephen,
We appreciate your recommendation. Our goal is to pair advanced financial technology with a support team that is both knowledgeable and approachable. It is rewarding to know we have met that standard for you.
The Chip Team
Chip offers a great flexible cash ISA
Chip offers a great flexible cash ISA. Customer service agents are professional, attentive and friendly.
March 23, 2026
Unprompted review
Reply from Chip
Hi John,
Thank you for your feedback. We are pleased that you are enjoying the features of our Flexible Cash ISA and that our team has provided the professional and attentive service we strive for. We appreciate your ongoing support!
The Chip Team
TAKES TOO LONG TO GET YOUR MONEY
Generally the app is not too bad for earning some tax free ISA interest by using their stocks and shares ISA's.
My beef is it takes far too long for CHIP to send the money to your bank, on average, 3 -4 days.
I regularly send money to Australia which usually takes less than 24 hours to get to the other side of the world.
Why therefore does it take so long for my money to get to a UK bank account from their UK account?
Earning money from the interest while having the money in their account rather than mine is the likely answer but they are not going to own up to that.
March 23, 2026
Unprompted review
Reply from Chip
Hi Ralph,
Thank you for your candid feedback regarding our withdrawal process. We understand that a 3-4 day wait can be frustrating. To clarify, while standard bank transfers are often instant, ISA withdrawals involve the selling of underlying assets and a settlement period required by our partner banks and regulators. Please be assured that Chip does not benefit from interest during this transit period; the timeline is purely a result of the standard financial clearing process for investment products for BACS payments. We are constantly working to streamline these windows to get your funds to you faster.
The Chip Team
I was pleasantly surprised by the service
I was pleasantly surprised by the quality of the service. I deal with attendants all day long, and this experience was truly impeccable. My issue was resolved quickly, and the representative who assisted me was both friendly and efficient. Was not sure if his name could be mentioned here or not....
March 17, 2026
Unprompted review
Reply from Chip
Hi Grace,
We really do appreciate your kind words. It is a significant compliment to hear that your experience with us stood out so positively compared to your daily interactions. Regarding your query, we always welcome the mention of our representatives by name as it helps us recognize their hard work. We are delighted we could resolve your issue so effectively!
The Chip Team
Perfect customer service from Chip
Perfect customer service from Chip . I suspected that my account may be compromised , I contacted Chip by email , they replied promptly and reassured me that my funds were safe . My account was temporarily blocked while I investigated . When I was ready my account was recovered immediately . Thank you Chip.
March 23, 2026
Unprompted review
Reply from Chip
Hi Sally,
Thank you very much for your review. We take the security of your funds and personal information with the utmost seriousness. We are glad that our team could act promptly to secure your account and assist with a swift recovery once you were ready. Your safety and peace of mind remain our top priority.
The Chip Team
If you’re reading this you NEED Chip!
Chip have great customer service. Nothing is ignored. No matter your financial situation, EVERYONE needs Chip in their life!
March 18, 2026
Unprompted review
Reply from Chip
Hi Campbell,
We appreciate your feedback. Trust, reliability, and effective resolution are the pillars upon which we build our service at Chip. It is rewarding to know that these values are reflected in your experience with us.
The Chip Team
Trust, reliability and resolution is key
My husband introduce me to Chip account. Recently, I encountered a problem connecting my bank. It took quite awhile before I received the verification code. Then it all came it at the same time. Bank account linked reconnected. But before that, the Chip team was there to ensure that if I need money they will assist. And they did! Thank you.
For me trust, reliability and resolution is key
November 22, 2025
Unprompted review
Reply from Chip
Hi Zeena,
Thank you for sharing your experience. We apologize for the delay you encountered with the verification codes, but we are pleased that our support team was able to provide the necessary reassurance and assistance in the interim. Ensuring you have access to your funds and feel supported during technical hurdles is exactly what we aim for.
The Chip Team
Attentive and knowledgeable staff
Superb service within minutes from Ben today. First rate!
March 19, 2026
Unprompted review
Reply from Chip
Hi Colin,
Thank you for the excellent review. We strive to ensure that all customer inquiries are addressed with both urgency and expertise. It is gratifying to hear that Ben provided this high level of service and I will be sure to pass this on to him!
The Chip Team
Customer Service from Chip 5*
Customer Service from Chip - fantastic. Able to assist me promptly and directly - responses within minutes! Thank you!
March 18, 2026
Unprompted review
Reply from Chip
Hi HBW,
We know your time is precious, so we try to be as snappy as possible. It’s great to hear our team hit the mark for you. Thanks for the 'fantastic' review, it really made our day!
The Chip Team
Quick professional 1st class service.
March 19, 2026
Unprompted review
Reply from Chip
Hi Deborah,
Thanks so much for the high praise! We really appreciate you taking the time to share this, as we always aim for this to be the level of service we provide for every Chip member.
The Chip Team
Problems relinking chip to my own bank
Just one email to chip regarding a problem i had trying to relink my account with my bank and within a few minutes i recieved a reply stating that it would be forwarded to an agent . within another few minutes i recieved another email from the agent ( Ben) who gave me instructions as to what steps i needed to do to sort it. Ten minutes later i had completed the relinking and emailed Ben to thank him . Now thats what i call efficient .
March 13, 2026
Unprompted review
Reply from Chip
Hi Steven,
We know technical hiccups are a pain, so we’re really glad we could get you back on track so quickly as we know that access to your funds should be as simple as possible.
I will be sure to pass your kind words onto Ben!
The Chip Team
I have been dealing with Chip for over…
I have been dealing with Chip for over a year and their level of service has been consistently excellent. They are very easy to contact and very pleasant to deal with. They offer a good range of products which are explained in detail, with someone always on hand to help.
March 16, 2026
Unprompted review
Reply from Chip
Hi Gerald,
Thank you for your review. We are pleased to hear that our service has remained consistently excellent throughout your first year with Chip. Providing a comprehensive range of products supported by detailed guidance is always a priority for us, and we are always here to support you going forwards.
The Chip Team
Reply from Chip
Hi Jack,
We really do appreciate your definitive endorsement of the Chip platform! Our team is committed to maintaining a high standard of excellence, and receiving such positive feedback is a significant motivation for us. Thank you for being a valued member of our community.
The Chip Team
Customer service
Customer service, They have been absolutely great as far as I am concerned. I can only recommend Chip.
March 14, 2026
Unprompted review
Reply from Chip
Hi Mr Simmonds,
Thank you for your recommendation. We are dedicated to providing an exceptional service experience, and it is rewarding to hear that our team has met your expectations. We look forward to continuing to support your financial journey!
The Chip Team
Reply from Chip
Hi Nancy,
Thank you for the excellent review. We aim to provide a service that is consistently prompt and clear, and we are pleased that you found our approach to be both efficient and sensible. We value your continued support!
The Chip Team
Very happy with the support I received
My queries were answered and dealt with quickly, compassionately and efficiently.
March 6, 2026
Unprompted review
Reply from Chip
Hi Rachel,
We appreciate your kind words. It is gratifying to know that our team provided support that was not only efficient but also compassionate which is what we always aim for!
The Chip Team
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