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
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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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Had a problem connecting my account to…
Had a problem connecting my account to chip Ben at chip sorted it out for me,good service thanks.
26 April 2026
Unprompted review
Reply from Chip
Hi Stephen,
We are glad to hear that Ben successfully resolved your account connection issue. Providing professional and efficient technical support is fundamental to the Chip experience, and we appreciate your support and for choosing us to manage your savings.
The Chip Team
Brilliant customer service
Brilliant customer service, got back to me really quickly and answered my query
7 April 2026
Unprompted review
Reply from Chip
Hi Sharon,
Thank you for your review. We are delighted that our team provided a quick and effective response to your query which is always the aim, your continued support is much appreciated.
The Chip Team
Very good service.
I contacted Chip with a query about using the app on a different device. Within 24 hours I had an email from Ben from Customer Services. Ben explained the app and gave me a solution.
19 April 2026
Unprompted review
Reply from Chip
Hi Emma,
Thank you for your feedback. We are pleased Ben could provide a detailed solution for your inquiry within 24 hours. Ensuring you can access your account securely across different devices is a priority, and we appreciate your recognition of our service standards.
The Chip Team
Reply from Chip
Hi Lewis,
Thank you for your feedback. We are pleased that you are enjoying our unique approach to wealth management. Our goal is to provide a modern and effective way to manage and grow your finances, and we appreciate your support as we continue to evolve our platform.
The Chip Team
issue with signing in
Had an issue with signing in and my issue was dealt using the chat system, this was fixed quickly so more than happy with thier customer care
11 April 2026
Unprompted review
Reply from Chip
Hi Miceal,
Thank you for your review. We recognize that sign in issues require an immediate resolution, and we are pleased our chat system facilitated a quick and effective fix for you. Ensuring our customer care remains responsive and accessible is a primary goal for the Chip team. We value your positive feedback.
The Chip Team
I had a small issue with my autosave
I had a small issue with my autosave. I have been with Chip right from the start and highly recommend them. Ben very kindly pointed me in the right direction
25 April 2026
Unprompted review
Reply from Chip
Hi there,
We are delighted to have had your support since our inception. It is rewarding to hear that Ben was able to assist you with your autosave query so effectively as well. Your recommendation as a long term user is highly valued, and we remain committed to providing the same level of support going forwards.
The Chip Team
Appalling customer service
Appalling online customer service. No telephone support. Poor interest rates.
2 April 2026
Unprompted review
Reply from Chip
Hi Nigel,
We’re sorry to hear you’ve had a disappointing experience.
We know not having inbound telephone support won’t suit everyone. Our in app chat is designed to be the quickest way to get help, with secure access to your account, but we understand it can feel limiting if you’d prefer to speak to someone directly and these can be actioned upon request.
On interest rates, we aim to stay competitive and regularly review our products, though rates can change depending on the market.
We appreciate the feedback as it helps us improve. If there’s anything specific you’d like support with, please do reach out via the in app chat or email and we’ll be happy to help.
The Chip Team
Avoid
Avoid, avoid avoid!
I have used it for nearly 2 years now without issue until they released their smart ISA. I made a transfer from my normal cash easy access ISA and then realised it was a fix 1 year rate! So decided to transfer out to a better fixed rate ISA with Barclays. After 3 rejections by chip to Barclays trying to access my money I am eventually told by chip that Barclays don’t have the correct procedures in place due to the new style ISA from chip to transfer!! They have made it difficult to access your cash. In the end I had to withdraw the cash into my bank account and lose my ISA status!!
It is a shame as they were very good in the normal savings accounts to transfer in & out but seems they wanted to create a way where you can’t access your money!!!
23 April 2026
Unprompted review
Reply from Chip
Hi there,
We’re really sorry to hear about your experience, especially after using Chip without issues for so long. That sounds incredibly frustrating.
To clarify, there’s no intention to make accessing your money difficult. Our Smart ISA follows a newer transfer process, and while most providers support this, some banks are still updating their procedures. Unfortunately, this can lead to delays or rejected transfers, as you experienced with Barclays.
We completely understand how disappointing it is to lose your ISA status as a result. That’s not the outcome we want for our customers, and we’re continuing to work with providers to improve compatibility and make transfers smoother.
If you’d like, please reach out via the in-app chat and we can review your case in more detail and see how we can help further.
The Chip Team
Helpful and Prompt Customer Response
Very helpful and prompt customer service from Todd and Mike to support with account issues
Good experience with the app overall
23 April 2026
Unprompted review
Reply from Chip
Hi George,
Thank you for your feedback. We are pleased to hear that Todd and Mike provided the prompt and helpful support you required for your account issues. Providing a consistent and high quality experience across our platform is always the aim and we appreciate your continued support of the Chip app.
The Chip Team
Tod did a lot to put some money I…
Tod did a lot to put some money I required from my account
17 April 2026
Unprompted review
Reply from Chip
Hi Keith,
Thank you for your feedback. We are pleased that Todd was able to assist you with your withdrawal requirements. Ensuring our users have access to their funds when needed is a top priority, and we will pass your thanks along to Todd for his support.
The Chip Team
Excellent speedy response to an issue I…
Excellent speedy response to an issue I had with my account
21 April 2026
Unprompted review
Reply from Chip
Hi Mel,
Thank you for your review. We recognize that speed is essential when dealing with account related issues, and we are pleased our team could provide the rapid response you required. We appreciate your continued support.
The Chip Team
I asked a not-very-straightforward question
I asked a not-very-straightforward question. Got a full and comprehensive answer by e-mail, clearly and logically presented. I was blown away - I've never had a response to an online query so good. If I could give six stars I would. Bravo to Dan of the CHIP support team.
15 April 2026
Unprompted review
Reply from Chip
Hi Richard,
We are honored by your 'six-star' feedback. Dan and the support team work hard to ensure that even complex queries are answered with clarity and logic. We will be certain to share your exceptional praise with Dan directly. Thank you for choosing Chip!
The Chip Team
Very helpful if you have a…
Very helpful if you have a problem,quick to reply.
21 April 2026
Unprompted review
Reply from Chip
Hi Kate,
Thank you for your feedback. Our support team strives to provide helpful and quick responses to any problems our users may encounter. We are pleased we could assist you effectively and appreciate your support of our platform.
The Chip Team
My issue was promptly and easily sorted.
My issue was promptly and easily sorted.
13 April 2026
Unprompted review
Reply from Chip
Hi Alan,
Thank you for your review. We are delighted that your issue was sorted promptly and easily. Delivering fast, effective resolutions is fundamental to our service standard, and we appreciate you taking the time to share your experience.
The Chip Team
Went through step by step to sort my…
Went through step by step to sort my issue out.
Really helpful. Thanks
14 April 2026
Unprompted review
Reply from Chip
Hi Kate,
We really do appreciate your review. It is rewarding to hear that our step by step guidance was helpful in resolving your issue. We aim to ensure all technical hurdles are handled with clarity and patience, and we thank you for your positive feedback.
The Chip Team
Dealing with queries
Good communication and efficient service
Thanks so much
15 April 2026
Unprompted review
Reply from Chip
Hi Michael,
Thank you for your feedback. We are pleased that our commitment to clear communication and efficient service met your expectations and we appreciate your continued trust in Chip.
The Chip Team
I wanted to say thanks Chip for…
I wanted to say thanks Chip for innovating with their Spring Prize Draw and new Smart ISA in April. I've been with them since 2017 and having a spread of money across savings, investments and a Prize Draw makes the app a one stop shop I regularly want to check and see how my wealth is growing. The Spring Draw in particular gives recognition (by offfering entries) for customers with assets across all products they offer. I probably won't win but it has made the start of the new financial year a little more exciting. I hope Chip continue to bring more products to Market, I am here for the journey.
18 April 2026
Unprompted review
Reply from Chip
Hi Errol,
Thank you so much for being with us since 2017. We are delighted that our latest innovations, including the Smart ISA and the Spring Prize Draw, have enhanced your experience. We remain committed to evolving our product suite to remain your primary destination for wealth growth. Here is to the journey ahead!
The Chip Team
Absolutely disgusted with Chip
Absolutely disgusted with Chip, I have tried 3 times to transfer my Chip Smart ISA to another provider, But Chip keeps giving me the wrong information for My other provider to transfer it ❗
16 April 2026
Unprompted review
Reply from Chip
Hi Stephen,
We’re really sorry to hear how frustrating this has been, especially after multiple attempts to transfer your ISA.
We’ve been working to inform other providers about the correct process for transferring a Chip Smart ISA. However, some haven’t yet updated their transfer forms or systems, which can unfortunately lead to incorrect details being submitted and delays like the ones you’ve experienced.
We completely understand how disappointing this is. If you can, please reach out to us via the in-app chat. We’ll be happy to check what’s been submitted so far and support you going forwards.
The Chip Team
A service who actually listen and understand.
Chip customer service were excellent in dealing with a technical issue I had. Prompt responses and helpful suggestions. They actually read what I sent and understood my problem rather than just sending pro forma responses. Good Job and thanks.
10 April 2026
Unprompted review
Reply from Chip
Hi Jim,
Thank you for your review. We prioritize personalized, attentive support over standardized responses to ensure each user's unique problem is fully understood and resolved. We are delighted that our technical team’s approach met your expectations. Good job to the team indeed.
The Chip Team
Customer support "guys" help anytime if they can
The customer support "guys" are very helpful and trying to be quick as they can. My phone been repaired and in the service they factory reset my phone. I did a safety back up of all my apps, but when I tried to log in the system didn't recognise my phone. Did see as a new device so couldn't login. Contacted customer service and they sorted out for me almost instantly. Thanks!
At the moment I have an ongoing issue with my Smart cash ISA. Is not flexible enough for me as the old Cash ISA. So I want to go back to my old Cash ISA.
But unfortunately when the conversion done between the cash ISA & Smart Cash ISA the oldcash ISA account is close.
Parently they have to reopen,the old Cash ISA account which looks like isn't that easy.
So now I still waiting for them to fix this issue for me. Thanks "guys"
16 April 2026
Unprompted review
Reply from Chip
Hi Louise,
We are glad we could restore your account access instantly after your device reset. Regarding your transition to the Smart Cash ISA, we appreciate your patience as our team works to address the flexibility and account reopening process you mentioned. Your feedback is essential as we refine our new ISA products.
The Chip Team
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