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
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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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Quick response through the help section…
Quick response through the help section and was given the information I needed on accrued interest promptly. Much appreciated
10 April 2026
Unprompted review
Reply from Chip
Hi Olivia,
Thank you for your review. We are pleased that our Help Centre provided the prompt information you required regarding your accrued interest. Ensuring clear and accessible financial data is a priority for us, and we appreciate your positive feedback regarding our responsiveness.
The Chip Team
Interactive support
Although I didn't get the answer I was hoping for, I was treated like a valued customer and my queries were all dealt with to my satisfaction before the ticket was closed at my insistence. I only have good things to say about Chip :o)
9 April 2026
Unprompted review
Reply from Chip
Hi Ade,
Thank you for your feedback. We aim to ensure every user feels valued, regardless of the inquiry outcome. We are pleased our team addressed your concerns to your satisfaction before closing the ticket at your request. Your kind words regarding your experience with Chip are greatly appreciated.
The Chip Team
I needed to withdraw all my money in a hurry, no chance!!
I needed to withdraw all my money urgently to fund a house purchase. Since my bank (Revolut) was not on their special "list" I could not do a direct transfer. The only option was either transfer to another bank then on to Revolut or transfer to the general investment account and see if it was possible to transfer to Revolut from there. I tried what I thought would be the quicker option and transferred all my money to the investment account but it never arrived.
On contacting Chip they showed me the small print that says the transfer can take 4 working days - nightmare!!
I had no issue withdrawing from Monzo, Chase etc... so I suggest using those apps instead.
10 April 2026
Unprompted review
Reply from Chip
Hi Chisbon,
We’re really sorry to hear how stressful this was, especially with a house purchase on the line.
Transfers can feel frustrating when time is critical. Moving funds between accounts, particularly into or out of an investment account, can take up to 4 working days due to processing and settlement times. That said, we understand this isn’t always clear in the moment and can come as a shock when you need immediate access.
Regarding bank transfers, we currently support a set list of linked accounts through our open banking partner Truelayer, and we appreciate this can be limiting if your main bank isn’t included.
Your feedback is really valuable and highlights where we can improve both clarity and flexibility.
The Chip Team
Excellent fast response to request for information
Ben at Chip was very helpful and provided me with a link to access a statement of interest earned very quickly despite the fact that I had moved my money from Chip to another provider only because I found a better interest rate. If Chip were able to offer a market leading instant access savings account I would be back with them as their service is excellent
9 April 2026
Unprompted review
Reply from Chip
Hi Stephen,
Thank you for your feedback. We are pleased that Ben could assist with your interest statement so efficiently. We value your honest input regarding competitive interest rates; providing excellent service to our savers is important to us, and we hope to welcome you back to Chip in the future.
The Chip Team
My query was answered quickly and…
My query was answered quickly and successfully. Thank you Usamah! Nathalie Esparcieux
9 April 2026
Unprompted review
Reply from Chip
Hi Nathalie,
Thank you for your review. We are delighted that Usamah was able to resolve your query quickly and successfully and we will be certain to pass your gratitude along to him.
The Chip Team
Great service really quick at dealing…
Great service really quick at dealing with my query
9 April 2026
Unprompted review
Reply from Chip
Hi Michelle,
We really do appreciate your feedback. Delivering a quick and effective resolution to every query is a primary goal for our support team. Thank you for taking the time to highlight your positive experience with us.
The Chip Team
Dreadful service AVOID CHIP
Dreadful service. Staff at Chip are unable to use their own app referring me to the wrong places. The app is clunky and impossible to use without help - I simply want to open a new Smart ISA. You can’t speak by phone to anyone so can only use the chat. If they get stuck on the chat (I also made a formal complaint) they just cut you off or ignore you! My advice - use Trafing212 far better service.
9 April 2026
Unprompted review
Reply from Chip
Hi N Duvivier,
We’re really sorry to hear about your experience, this isn’t the level of service we aim to provide.
It’s frustrating to feel passed around or unsupported, especially when you’re trying to do something as important as opening a Smart ISA. The app should feel straightforward to use, and our team should be giving clear, consistent guidance.
We currently primarily offer support via in-app chat so we can keep everything secure and in one place, but you should never feel ignored or cut off. That’s not acceptable, and we’d like to look into what happened with your chats and complaint.
If you’re open to it, please reach out again via the in-app chat so we can review your case properly and help you get set up without further hassle.
The Chip Team
Prompt professional help with a…
Prompt professional help with a security concern. Faultless.
9 April 2026
Unprompted review
Reply from Chip
Hi Suzanne,
Thank you for your feedback. We prioritize account security with the utmost seriousness and are pleased to hear that our team provided the prompt and professional assistance you required. Ensuring your peace of mind is a core objective at Chip, and we appreciate your recognition of our efforts.
The Chip Team
Ben resolved my problem first time no…
Ben resolved my problem first time no back and forth ....just great fix and service ....well done ben and the team
2 April 2026
Unprompted review
Reply from Chip
Hi Mr Anders,
Thank you for your feedback. We are delighted that Ben was able to provide a first-time fix for your inquiry without the need for repetitive communication. Delivering direct and efficient service is a standard we strive to uphold. We will pass your commendation along to Ben and the wider team.
The Chip Team
We had a slight problem the day before…
We had a slight problem the day before the deadline for transferring to our cash isa. I think it was our side not theirs. I contacted them in the morning and they sorted it all out by the afternoon. Very professional. And they followed up with emails checking everything was okay.
3 April 2026
Unprompted review
Reply from Chip
Hi there,
We are glad we could assist with your time-sensitive ISA transfer. Meeting critical financial deadlines is a priority, and we are pleased our team provided the professional resolution and proactive follow-up you required. Thank you for choosing Chip to manage your savings.
The Chip Team
Chip ISA…
I found Chip online as I was looking for a Cash ISA.
Their signing on policy was easy and their app is very efficient and easy to use.
They offer attractive ISA products which are competitive.
And their online help is both professional and efficient.
I recommend Chip.
6 April 2026
Unprompted review
Reply from Chip
Hi Philip,
Thank you for your detailed review. We are pleased that our Cash ISA products and straightforward onboarding process met your requirements. Providing a professional, efficient experience from signup to support is fundamental to our service and we value your recommendation and your trust in our platform.
The Chip Team
Great App, Great Support
It’s a great app with brilliant support. I had trouble logging in after an app update and Ben was superb. Can’t recommend highly enough!
7 April 2026
Unprompted review
Reply from Chip
Hi Nick,
We appreciate your recommendation. It is rewarding to know that Ben provided the superb support needed to resolve your login issue following the recent app update. We strive to maintain both app stability and responsive support to minimize any disruption for our users. We will be sure to share your thanks with Ben!
The Chip Team
Great support from the team.
Had a slight issue and raised a query on the on the line chat.
This was dealt with very quickly and my issue was resolved.
Very happy with the whole process and the support from the team member dealt with my issue.
31 March 2026
Unprompted review
Reply from Chip
Hi Elfazio,
Thank you for your feedback. We are pleased to hear that our online chat support was able to resolve your query quickly and to your satisfaction. Ensuring a smooth and efficient resolution process is always what we aim for.
The Chip Team
Reply from Chip
Hi Nick,
We appreciate your feedback. Providing prompt and accurate responses is always what we aim for. Thank you for choosing Chip for your savings.
The Chip Team
I was having issues with the security…
I was having issues with the security check. It took many attempts but all the way I had excellent support and encouragement from Usamah. Together we got there in the end and I was able to continue transferring funds again. I think there are probably more glitches to come but with the incredible support, I feel confident and will continue banking with Chip so long as the interest rates are good! Thanks Usamah and the team.
27 March 2026
Unprompted review
Reply from Chip
Hi Mimi,
Thank you for sharing your experience. We are delighted that Usamah’s support helped you navigate the security check process. While technical hurdles can be frustrating, our team is committed to ensuring you can manage your funds with confidence. We will share your thanks with Usamah and the rest of the team.
The Chip Team
Excellent service
Excellent service! Up to date and informed of any changes. Best information.
1 April 2026
Unprompted review
Reply from Chip
Hi Adrienne,
Thank you for the positive review. We believe that keeping our users informed of any updates or changes is essential to a high quality service experience. We are glad you find our communication effective and up to date.
The Chip Team
This is an excellent product with a great App
This is an excellent product with great customer service. I recently had a difficulty with my bank card. The support that Chip gave me was professional and patient.
I know that they are really reliable for both deposits and withdrawals. Their app works well and they are my #1 instant place to save.
26 March 2026
Unprompted review
Reply from Chip
Hi Charles,
We really do appreciate your kind words. It is gratifying to hear that our support team assisted you professionally through your card difficulties. We strive to remain a reliable destination for your deposits and withdrawals going forwards.
The Chip Team
Had an account enquiry which was dealt…
Had an account enquiry which was dealt with quickly by email. I sought some clarification which again was answered quickly and succinctly. Excellent service.
30 March 2026
Unprompted review
Reply from Chip
Hi Jim,
Thank you for your feedback. We are pleased that our team could provide quick and succinct clarifications regarding your account enquiry. Maintaining a clear and efficient communication channel is a priority for us, and we appreciate your recognition of our service standards.
The Chip Team
You have not a swered my last question
You have not a swered my last question. Unfortunately when i replied I said Tha ks very much for the explanaruon. Ut afterwards i wrote that i was still not satisfied and asked more a out the missing wntry where it changed from 484 to 483. This was ryped unfortunately on down the email and was not seen by your staff. Please expkain why that xeucial 484 qas chabged to 483
28 March 2026
Unprompted review
Reply from Chip
Hi Gary,
We apologize for overlooking the additional details in your correspondence, could you kindly reach out to us at hello@getchip.uk via email so one of our team can look further into this with you?
The Chip Team
Took a bit to resolve as I kept getting…
Took a bit to resolve as I kept getting blocked from my account, but eventually got it resolved.
24 March 2026
Unprompted review
Reply from Chip
Hi Damo,
Thank you for your patience while we resolved your account access issue. While our security protocols are designed to keep your funds safe, we are pleased to hear that your access has been successfully restored after the initial delay.
The Chip Team
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