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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My query was dealt with quickly &…
My query was dealt with quickly & effectively
9 March 2026
Unprompted review
Reply from Chip
Hi Jane,
Thank you very much for the review, we are delighted that we could assist you effectively and promptly which is what we always aim.
The Chip Team
Excellent service
Really speedy, comprehensive and helpful reply to a query I sent via online chat,
27 February 2026
Unprompted review
Reply from Chip
Hi Gina,
Thank you very much for your kind words, we always want to make sure you are not waiting unnecessarily and we get back to any query as soon as possible, so it's great to see this was the case for you as well.
The Chip Team
Sorted pdq!
Had a detailed query. Wrote a short email describing issue on their chat. Within an hour got a detailed, comprehensive response and offer to follow up if needed. Simply stunning from a bank!! Highly impressed
27 February 2026
Unprompted review
Reply from Chip
Hi Speedy,
Thank you very much for your feedback. We recognize that providing a detailed and prompt response is vital when managing your financial inquiries and It is gratifying to know that our team met this standard and resolved your query comprehensively within the hour.
The Chip Team
Fantastic service. Thank you.
Every advisor I have spoken to within Chip, has been quick, professional and friendly. They got back to me straight away and answered all my queries. Thank you.
27 February 2026
Unprompted review
Reply from Chip
Hi L Witt,
There’s nothing we like more than providing fast, friendly help when you need it. Thanks so much for the kind words and for trusting us with your savings journey!
The Chip Team
I had a query re linking my bank…
I had a query re linking my bank account.
My enquiry was dealt with quickly and my concerns taken seriously.
A staff member explained why this had happened.
The problem was with my bank but I’m impressed that they are going to look into it even though it’s not their problem.
24 February 2026
Unprompted review
Reply from Chip
Hi Julie,
It’s great to hear you had such a positive experience! We take every concern seriously, especially when it comes to linking your accounts. We're glad we could explain the 'why' behind the issue and help you navigate it.
The Chip Team
Love Chip and it's simplicity and ease…
Love Chip and it's simplicity and ease of use!
I had a question regarding a recent transaction and Ben answered my question very quickly.
Can't rate Chip highly enough!
3 March 2026
Unprompted review
Reply from Chip
Hi Neatley,
We're so glad you're loving the app's simplicity, that’s exactly what we’re aiming for. We'll be sure to pass your kind words on to Ben as he’ll be thrilled to hear he could get your transaction query sorted so quickly. Thanks for the high praise!
The Chip Team
Happy as Chips!!
During my 3 years saving/investing with Chip I've been pleased with my returns and always received a prompt response and helpful advice whenever I've needed customer help. Last week I broke my phone and again received great support and advice from the Chip Team - Thanks for your help Alhan, good to know you were there.
24 February 2026
Unprompted review
Reply from Chip
Hi Graham,
A broken phone is never fun, but we're so glad Alhan was there to make the recovery process a bit easier for you. It's amazing to know that our 'prompt and helpful' advice has hit the mark for you over the last three years. Thanks for the high recommendation!
The Chip Team
Don’t bother with their prize savings account
Don’t bother with their prize savings account. They push it as an alternative or addition to premium bonds but it’s so very very different. You don’t know when the prizes are announced and despite checking my account says I’m in the next draw but doesn’t tell me what my results for the last draw was.
2 March 2026
Unprompted review
Reply from Chip
Hi Brian,
We appreciate you raising these concerns. We aim to ensure all participants are fully informed; currently, all winners are notified via email within five working days of the draw. If you win the Grand Prize, our team will also contact you directly by telephone. We understand that more explicit in-app confirmation of 'no-win' results would be helpful for peace of mind - I can confirm this is always updated when the draw has been run, and we are looking into how we can improve this transparency in future updates.
The Chip Team
I contacted Chip to request some…
I contacted Chip to request some historical statements. They were helpful, friendly and efficient and emailed me relevant documents the same day. I was hugely grateful for their first class service and would happily recommend them to family and friends.
9 February 2026
Unprompted review
Reply from Chip
Hi LR,
We are so glad we could help you out, and thank you for the lovely feedback! We know that hunting down historical statements can sometimes be a bit of a chore, so we're happy the team could make it quick and easy for you.
The Chip Team
Excellent customer service
Great to save with. Excellent customer service if you need it. Really quick and very helpful
19 February 2026
Unprompted review
Reply from Chip
Hi Amanda,
Thank you very much for your high recommendation. We are pleased to hear that you are finding Chip an excellent platform for your savings and that our customer service team has provided the quick, helpful support we always strive for.
The Chip Team
Good service,
Chip showed that it responds well to customer issues. I was very satisfied with the service I received,
19 February 2026
Unprompted review
Reply from Chip
Hi Malcolm,
Thank you for your positive review. We are delighted that you were satisfied with our response to your recent inquiry. We strive to provide effective and professional service at every touchpoint, and we truly value your feedback on our performance.
The Chip Team
Strong recommend
Easy to use and with great, swift customer service should you need any help. Strong recommend!
25 February 2026
Unprompted review
Reply from Chip
Hi Victoria,
Thank you so much for sharing your positive experience with us. We are committed to providing a streamlined service backed by prompt customer support, and we are delighted that you would recommend our platform. We look forward to continuing to support your financial goals!
The Chip Team
It’s honestly the best customer service…
It’s honestly the best customer service out there. Fast, good chat and highly effective. Faultless.
25 February 2026
Unprompted review
Reply from Chip
Hi Stuart,
We are delighted to hear that you found our support both fast and highly effective. Maintaining a standard of faultless service is a collective effort at Chip, thank you for your support and for being a part of our community.
The Chip Team
I had a query that was puzzling me
I had a query that was puzzling me and the guys at Chip were very quick to find me reassuring answers without me having to repeat my problem.
3 February 2026
Unprompted review
Reply from Chip
Hi Campden,
Thank you for the positive review. We are delighted that our team could assist you so effectively. Minimizing friction and providing accurate information are top priorities for us, and we are glad we met those standards during your recent interaction.
The Chip Team
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.
24 February 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.
17 February 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 .
19 February 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.
18 February 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.
18 February 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
19 February 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
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