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
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
Following a bereavement, I was tasked with reaching out to Chip. All my messages were with the same person, Todd, who consistently offered his condolences . I was kept up to date with progress at... See more
Company replied
We opened Chip accounts earlier this year & have not been disappointed. The app is so easy to navigate. Transferring money in & out couldn't be easier, & seeing the daily interest adding up is great.... See more
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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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I have invested £2000 in Chip and as it…
I have invested £2000 in Chip and as it appears to be earning no interest, would now like to withdraw the full amount. This is proving difficult to do. The app insists I must give Chip 90 days access to my personal bank account. I do not want to do this. I'm not sure what to do to withdraw my money.
Today - 25.2.26 Chip responded helpful and enable me to withdraw the money without having to give access to my personal bank account.
February 24, 2026
Unprompted review
Reply from Chip
Hi Jane,
Thank you for taking the time to share this, and I am really sorry you are finding the withdrawal process frustrating.
Chip uses open banking to verify accounts securely when moving money, please get in touch with us through the in-app chat so we can look into your account and guide you step by step. If you cannot access the app at all, please email hello@getchip.uk with your details and we will help you as quickly as possible.
We want to make sure you can access your funds easily and feel confident using Chip, so we are here to support you.
The Chip Team
Excellent App
Excellent App, with helpful staff who responded promptly to my enquiry.
February 17, 2026
Unprompted review
Reply from Chip
Hi Sue,
Thank you so much for the lovely feedback.
We are really pleased to hear you are enjoying the app and that our team were able to help quickly with your enquiry. Providing clear, prompt support is something we care a lot about, so it means a great deal to hear that reflected in your experience.
The Chip Team
Glen & Rikki at Chip went over and…
Glen & Rikki at Chip went over and above to help resolve the issue I had receiving OTP’s when I upgraded mobile phone and moved networks .
February 19, 2026
Unprompted review
Reply from Chip
Hi HA,
Thank you very much for sharing this, it is rewarding to know our team successfully navigated this for you, sometimes network issues can cause delays in the OTP's being received.
I will ensure that both Glen and Rikki are recognized for their commitment to seeing your case through to resolution.
The Chip Team
Dealing with a bereavement
Following a bereavement, I was tasked with reaching out to Chip. All my messages were with the same person, Todd, who consistently offered his condolences . I was kept up to date with progress at each stage. Very considerate and empathetic with situation and Todd warned me that some correspondence would be in the name of the deceased and he apologised. He then gave me a timeline of the next steps. All resolved relatively quickly and very smoothly.
A very positive interaction.
February 18, 2026
Unprompted review
Reply from Chip
Hi there,
Thank you for sharing your experience with us during such a difficult time. We are deeply sorry for your loss, and we are glad to hear that Todd was able to provide the compassionate support and clear guidance you needed. Ensuring these sensitive matters are handled with dignity is a priority for us, and we will ensure Todd is recognized for his exceptional care and professionalism.
The Chip Team
Was a great app from the beginning I…
Was a great app from the beginning I remember when it opened an stuck with them and it got much better now dont what it is my whole account sign has gone keeps wanting me to sign up no pin login says contact support no where to contact support glad iv not got much money here now become very sketchy.
February 18, 2026
Unprompted review
Reply from Chip
Hi Kraig,
We’re really sorry to hear this. That sounds incredibly frustrating, especially as you’ve been with us since the early days.
If the app is asking you to sign up again and you can’t access your PIN login, it’s usually a sign that something’s gone wrong with the sign in process rather than your account itself. Please don’t worry, your money and account details won’t have disappeared.
As you’re currently unable to access the app, the best thing to do is email us directly at hello@getchip.uk and our team will be able to locate your account and help you get back in as quickly as possible.
We completely understand how this can feel concerning, and we appreciate you sticking with us. We’ll get this sorted for you.
The Chip Team
Whole experience was good but change of…
Whole experience was good but change of mobile number can cause problems, needs better awareness of consequences.
many thanks, paul
February 19, 2026
Unprompted review
Reply from Chip
Hi Paul,
Thank you for your feedback, we recognize that updating a mobile number is a critical security step that can occasionally result in service friction. We are always reviewing our communications to ensure users are better informed of the security protocols involved during this transition.
The Chip Team
Would recommend great app easy to use…
Would recommend great app easy to use easy to set up and buy stocks and fun with prize savings account and customer service is always quick to respond and resolve issues on the rare occasion they occur very rapidly
(Thank you usamah)
February 19, 2026
Unprompted review
Reply from Chip
Hi HM,
Thank you for the fantastic recommendation! We’re thrilled to hear you’re finding the stocks and prize savings features so easy to use. I’ll be sure to pass your kind words on to Usamah as he’ll be delighted to know he could help you out so quickly which as what we always aim for.
The Chip Team
Excellent prompt service
Excellent prompt service. I'm very happy with Chip
February 18, 2026
Unprompted review
Reply from Chip
Hi Anne,
We are so pleased to hear this! we know that when it comes to your savings, 'prompt' service is key to peace of mind, we will be sure to relay your kind words to the team.
The Chip Team
Excellent customer support
I received really good support from Chip when I was having problems linking my bank account with my chip account. Their responses were quick, concise and helpful, so the problem was soon resolved. Thank you
February 12, 2026
Unprompted review
Reply from Chip
Hi Peter,
That is exactly what we like to hear, linking a bank account is the most important step to getting your savings moving, so I’m glad our team was able to jump in and make it a smooth process for you.
The Chip Team
Timely and professional
Timely, clear and helpful response and advice when I needed information and guidance. Thank you
February 11, 2026
Unprompted review
Reply from Chip
Hi Abimibola,
That is exactly what we aim for! We know that when you’re looking for guidance, the last thing you want is a slow or confusing reply. It’s great to hear that our team was able to provide the clarity you needed, right when you needed it.
The Chip Team
Very good communication
Very good communication, good products very pleased Highly recommend.
February 12, 2026
Unprompted review
Reply from Chip
Hi Catherine,
That is wonderful to hear! We know that clear communication is just as important as the products themselves, so it’s great to see that balance is working well for you.
Thank you for the high recommendation, it means a lot to the whole team!
The Chip Team
Good customer service
Good customer service, Chip informed me that I needed to reconnect my bank account to the app, and informed me how to do this. Great support and a quick response to my questions.
February 7, 2026
Unprompted review
Reply from Chip
Hi Alan,
It is great to hear that the reconnection process went smoothly for you! Open Banking connections usually need a quick refresh every 90 days for security, so I'm glad our team was on hand to guide you through it.
The Chip Team
Great service
Really simple, great way to manage money and get competitive interest rates. Very efficient and helpful customer support. Recommend
February 12, 2026
Unprompted review
Reply from Chip
Hi Lewis,
Thank you for the recommendation! We’ll keep working hard to ensure we stay simple and efficient as your savings continue to grow, and we are always here to support you along the way.
The Chip Team
Great customer service
Contacted Chip with a question about the Prize Savings Account and was pleasantly surprised to receive a quick, helpful reply from an actual human. This is how customer service should be done - not the generic or AI-generated responses that sadly seem to be the norm these days. Good job, folks!
February 11, 2026
Unprompted review
Reply from Chip
Hi Roy,
This feedback is a great reminder that while our tech handles the heavy lifting, our people provide the peace of mind. I'll make sure the team sees this and thank you so much for your review!
The Chip Team
Great communication with Chip….
Great communication with Chip….
Would recommend using them …. Fast and reliable service…. Excellent
February 11, 2026
Unprompted review
Reply from Chip
Hi Susan,
It is fantastic to hear that you’re finding us fast and reliable! We know that clear communication is the foundation of a great banking experience, so it’s wonderful to know we’re hitting the mark for you.
The Chip Team
I wouldn’t waste your time opening up…
I wouldn’t waste your time opening up an account as once they’ve got you they soon lower the rate to just above 2% when they’re offering new customers 4.5% so really, not looking after you at all . When they say to you, oh, we will give you another 1% so that’s 3.5% still crap, Tesco’s pay 4% easy access . They start off well, then that’s it. No customer service no nothing
February 10, 2026
Unprompted review
Reply from Chip
Hi There,
We’re really sorry to hear you feel let down. We know how frustrating it can be when rates change, especially if you see different offers elsewhere.
Our savings rates can move up or down in line with the wider market. From time to time we also run limited promotional rates for new customers, which is common across the industry. That said, we’re always working to keep our rates competitive and offer a range of options to suit different needs.
We’re also sorry to hear you feel there’s been no customer service. That’s certainly not the experience we want anyone to have. If you’re open to it, please reach out to us via the in app chat so we can look into your situation and support you properly.
Thank you for sharing your feedback.
The Chip Team
Good enough interest rate for instant…
Good enough interest rate for instant access, but the clincher for me is INSTANT transfer of monies into my bank account.
February 10, 2026
Unprompted review
Reply from Chip
Hi Phil,
While we work hard to keep our rates competitive, we know that true "instant access" means getting your money back exactly when you need it so thank you very much for the excellent feedback.
The Chip Team
The most flexible service
The most flexible service. Excellent customer service and reassuringly robust security features.
February 9, 2026
Unprompted review
Reply from Chip
Hi William,
We know that when it comes to your money, there’s nothing more important than a robust defense, so it’s great to know our security features are giving you that peace of mind.
I’ll be sure to pass your kind words along to the customer service team as well, they’ll be delighted to know their support is hitting the mark. Thank you for the high recommendation!
The Chip Team
Reply from Chip
Hi John,
Thank you for taking the time to share your support, we’ll always keep working hard to ensure the app and our service stay at that high standard for you.
The Chip Team
Great personal service and friendly…
Great personal service and friendly rapid response to any query.
February 6, 2026
Unprompted review
Reply from Chip
Hi Carl,
It is wonderful to hear that you're enjoying the personal touch! knowing our team's speed and tone hit the mark for you is fantastic feedback and is exactly what we aim for.
The Chip Team
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