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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Amazing
Saving with Chip is excellent as the app is so easy to use and everything is simple and well set out. Customer Service is amazing. They reply to emails very promptly and are extremely helpful. Top Notch.
28 March 2026
Unprompted review
Reply from Chip
Hi Gill,
We really do appreciate your high praise. Designing an intuitive app and providing prompt, helpful email support are our primary goals. It is rewarding to know you find saving with Chip to be a top notch experience and I will be sure to pass this along to the team.
The Chip Team
Help was offered quickly
Help was offered quickly, and felt very friendly! My problem was completely sorted.
24 March 2026
Unprompted review
Reply from Chip
Hi Penny,
Thank you for the positive review. We are delighted that your issue was completely resolved and that you found our support team both quick and approachable. We look forward to continuing to support your savings.
The Chip Team
Excellent customer service
My query was dealt with in an efficient and friendly manner
24 March 2026
Unprompted review
Reply from Chip
Hi Christine,
Thank you for sharing your experience. We believe that professional service is most effective when delivered in a friendly manner, and we are pleased our team met that standard for you while handling your query.
The Chip Team
Problem solved with solving my problem
Really helpful with solving my problem, quickly and efficiently.
20 March 2026
Unprompted review
Reply from Chip
Hi there,
We really appreciate your feedback. Our team aims to address every inquiry with a focus on both speed and accuracy, and we are glad we could resolve your problem efficiently on this occasion.
The Chip Team
Prompt response
25 March 2026
Unprompted review
Reply from Chip
Hi Christina,
Thank you for your review. We understand that timely communication is vital in the financial sector, and we are glad to hear our team responded promptly to your needs.
The Chip Team
Excellent app for investment also…
Excellent app for investment also prompt and efficient customer service.
29 March 2026
Unprompted review
Reply from Chip
Hi Raman,
Thank you for your high praise. We are committed to offering a premier investment platform supported by prompt and efficient customer service. We appreciate your recommendation and your trust in Chip.
The Chip Team
Quick service
I was concerned I would have to wait a few days for answer to my problem.
However I had a reply within the hour with clear and precise instructions to rectify issue which was a success.
I have also had a follow up email to ensure I was happy with correspondence .
23 March 2026
Unprompted review
Reply from Chip
Hi Elaine,
We are really pleased we could exceed your expectations by resolving your issue within the hour. Providing clear instructions and following up to ensure your total satisfaction is central to our service standard. Thank you for your kind words.
The Chip Team
Easy to contact
26 March 2026
Unprompted review
Reply from Chip
Hi Alan,
Thank you for your feedback. Maintaining a high level of accessibility for our users is a core objective at Chip, and we are glad you found it easy to reach our support team whenever necessary.
The Chip Team
Reply from Chip
Hi Cliff,
Thank you for your review. We recognize that clarity regarding ISA accounts is essential for our investors, and we are delighted that our team provided a speedy and helpful response to your specific inquiry.
The Chip Team
Excellent support from Admin
I had problems with changing my password because the photograph of my driving license couldnt be read.
However when I asked for help changing it, there was immediate response and sorted out the change of password
25 March 2026
Unprompted review
Reply from Chip
Hi Anne,
We really do appreciate your patience during the verification process. We are glad our team could assist you promptly when the ID photograph was unreadable, ensuring your password change was completed successfully and securely.
The Chip Team
Banking glitch
Had a banking glitch this morning but his was explained & sorted easily.
Thank you
25 March 2026
Unprompted review
Reply from Chip
Hi Gary,
Thank you very much for your feedback. We are pleased to hear that the banking glitch was resolved quickly and effectively for you. Ensuring that technical issues are handled with minimal disruption is always what we aim for.
The Chip Team
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.
20 March 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.
20 March 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 😊
24 March 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.
23 March 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.
23 March 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.
23 March 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....
17 March 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.
23 March 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
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