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... Leggi di più
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The worst pop up unregulated bank known to man. My mother has £4k in the bank. She's now passed away and they are refusing to pay my mom's funeral! Financial ombudsman have said they have tons o... Leggi di più
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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... Leggi di più
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 sendin... Leggi di più
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Dettagli dell'azienda
Informazioni su Chip
Scritti dall'azienda
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.
Informazioni di contatto
232 Shoreditch High Street , E1 6PJ, London, Regno Unito
- hello@getchip.uk
- getchip.uk
4,4
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4542 recensioni
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Risposta di Chip
Hi Rhys,
Thank you very much for your review, fast responses whilst remaining friendly is what we always aim for so it's great to hear this was the case for you.
The Chip Team
Helpful and responsive - reassuring customer services
I have been investing with CHIP for the last 10 months. I find them responsive, helpful and I feel they look after my investments well. I had a query about whether a pop up was from them & they came back to me very quickly to reassure me that it was legitimate
29 dicembre 2025
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Risposta di Chip
Hi Izzy,
Thanks for taking the time to share this, we really appreciate it.
It’s great to hear you’ve felt well looked after while investing with Chip and that the team have been responsive and helpful when you’ve needed support. We know how important reassurance is, especially when something unexpected pops up, so we’re glad we could quickly confirm everything was legitimate.
The Chip Team
Locked out from accessing my savings
I have significant savings with Chip, originally attracted by the simplicity of the platform and the competitive rates on offer. Their rates are no longer competitive so I looked to switch them to another bank which is when my problems started. I ended up in a loop I couldn’t escape from, so had to delete and reload the app. I’ve since been unable to log in as the system tells me it has connectivity issues. All this has been reported to Chip to no avail and I am effectively locked out from accessing my savings.
As a good old fintech, Chip is keen to avoid human interaction and offers you only online support through a dedicated help email address.
I’ve tried this route about 8 times now and have yet to receive the help I need to access my account. I did manage to track down a contact number, but it takes voicemail messages only and no one has contacted me since I left messages and my number on there.
I regard all this as totally unacceptable and my next stop will be the FCA early next week if the situation hasn’t been resolved by then
2 gennaio 2026
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Risposta di Chip
Hi Mark,
We’re really sorry for the stress this caused and we understand why being unable to access your savings would feel unacceptable.
We’re glad to see this issue has now been resolved and that you’ve regained access to your account. That clearly took longer than it should have and we apologise for the frustration and worry this created while you were locked out.
We appreciate the honest feedback on both the experience and our support channels. Access to funds is critical and we’re continuing to improve how we handle issues like this so they’re resolved more quickly and clearly in future.
If you need any further help with your account or your plans to move funds, we are always here to help.
The Chip Team
Prize draw nonsense
I’ve had a Chip savings account for a couple of years now. Also a small investment account. Started moving money into the prize draw account as I foolishly responded to their heavy marketing. I’m a big fan of Premium Bonds so thought I would give it a go. To be clear to everyone considering doing similar – this prize account is absolutely nothing like Premium Bonds. It’s not particularly well run and I find the whole thing a bit opaque. It’s just a way for them to boost their cash balance sheet for free. You never quite know when the winders are announced. It is supposed to be end of the month but the Dec 25 draw results were ‘coming soon’ until randomly and quietly done on a Friday afternoon. All of the ‘projected entries’ stuff is very difficult to understand. Anyway. Log and short of it- I have had £20K fully qualified for two months and absolutely nothing. Not even a fiver. Best month I have had was £25. It simply isn’t worth forgoing the interest on this sum of money for the vanishingly-thin chance of a ‘prize’. If you properly analyse the FAQ you can see it isn’t written by serious people. This is a GCSE Business Studies come Young Enterprise project that has got horribly out-of-hand. Avoid.
2 gennaio 2026
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Risposta di Chip
Hi Steve,
We’re sorry this has left you feeling disappointed and we appreciate you taking the time to share such detailed feedback.
Just to clarify a key point, the December Prize Draw has not been run yet. When it is completed, any winners will always be contacted by email. There was also a visual issue in the app that incorrectly suggested prizes had not been won for the December draw. This has now been fixed and the app will update correctly once the draw has been run.
Although the Prize Savings Account is not a premium bonds product, it is modelled in a similar way.
Our partners at ClearBank give Chip funds based on the total balance held in the account across our whole userbase, so this is Chip's way of giving that back, this is why the amount of prize money and the volume of winners might fluctuate from month to month, and the more people using the account, the more we'll have to give away.
Your feedback on transparency and value is heard and we’re continuing to improve how this is communicated.
The Chip Team
all sorted fast
2 gennaio 2026
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Risposta di Chip
Hi Ray,
Thank you very much for your review, we are very pleased to hear that your query was resolved quickly which is what we always aim for.
The Chip Team
Chip is definitely recommended
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. I recently had an issue with transferring ISAs across from another bank but the online team were both responsive & effective in a timely manner too.
31 dicembre 2025
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Risposta di Chip
Hi Selma,
Thanks so much for sharing this, we’re really glad to hear Chip has been hitting the mark for you.
It’s great to know you’ve found the app easy to navigate and that moving money in and out has been smooth. Seeing that daily interest add up is always a good feeling. We’re also pleased the team were able to sort your ISA transfer efficiently. We know those can be stressful, so it’s lovely to hear it was handled well.
The Chip Team
OK but ...
Eye catching introductory ISA and saver rates which lasts only a year and no other offers following.They clearly care only about new customers.
Stock ISA has very limited choice of ETF's for which Chip charges platform fee of 0.25%.All these ETF's are free on other platforms.App works but nothing special.
31 dicembre 2025
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Risposta di Chip
Hi Georgen,
Thanks for taking the time to share this. We are sorry to hear that Chip has not met your expectations.
Our introductory rates are designed to help new customers get started, but we understand how disappointing it can feel when those rates end and do not align with what you are looking for longer term. Feedback like this is important and helps shape how we think about future offers for existing customers too.
On the Stocks and Shares ISA, we currently offer a curated range of ETFs to keep things simple, and the platform fee is a small charge you pay to us for providing and managing your investment account. We want to be clear that we never charge any extra fees when you buy or sell funds, so there are no per-trade or broker fees to worry about
We appreciate your honest view on the app as well and will share this with the wider team.
The Chip Team
The app and website are very good as…
The app and website are very good as long as nothing goes wrong. Trying to contact Chip and get some semblance of customer service is very difficult. I was never able to speak to anyone directly and when you have to use their chat line response times are poor. I'm was never sure whether I was chatting with a human or a bot. Given my experience of transferring a number of ISA's I would not use Chip again.
29 dicembre 2025
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Risposta di Chip
Hi Mike,
We are really sorry to hear about this experience. It is frustrating when things go wrong and you cannot get timely or clear support, especially during something as important as an ISA transfer.
We understand how not knowing whether you are speaking to a person can add to that frustration. Our chat does involve our support team, but we know response times have not always been where they should be and that is something we are actively working to improve.
We appreciate you taking the time to share this feedback and we are sorry that it has left you feeling unable to trust us again. If you would like us to look into what happened with your transfers or address any outstanding issues, please reach out via the in app chat so the team can review it properly.
The Chip Team
Chance to win a prize.
Great that Chip are offering a prize draw account.
Would be even better if Chip gave interest on any balance in the Prize Account which could be 1% below the Bank of England Base Rate.
22 dicembre 2025
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Risposta di Chip
Hi Ishfaq,
Thanks for the feedback. We are glad you like the idea of the Prize Savings Account.
The Prize Account is designed a bit differently to our interest paying accounts, with the prize draws funded instead of a guaranteed rate. That is why balances in the Prize Account do not currently earn interest.
That said, your suggestion is a fair one and we always welcome ideas on how we can make our products better. We will make sure this is shared with the team as we continue to review and improve the Prize Account over time.
The Chip Team
Death In The Family Requiring Probate
My Father died in July 2025 and because of his Chip investment value I had to apply for probate. Mo at Chip has just provided the most fantastic service from the time of his death to probate being granted. Thanks Mo and all at Chip. "People do business with people and people do business with people that understand"!
22 dicembre 2025
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Risposta di Chip
Hi Mark,
Thank you for sharing this, and we are very sorry for the loss of your father.
We really appreciate you taking the time to highlight your experience during what we know can be a long and difficult probate process. It is great to hear that Mo was able to support you clearly and consistently from start to finish, and we will be sure to pass your kind words on to him and the wider team.
Your quote says it perfectly, understanding and empathy matter just as much as getting the process right. Thank you for trusting Chip during such a challenging time.
The Chip Team
Brilliant service
I recently had to contact Chip financial following the death of my husband, one of their customers. They were one of five financial institutions I had to deal with and I just wish all the others would take lessons in customer services from Chip financial. I was concerned that all communication was by email but they answered emails quicker than getting through on the phone to others. They answered quick and with all information I could understand, not gobbledygook that the others talk when they expect you to understand their business lingo.
22 dicembre 2025
Non scritta su invito
Risposta di Chip
Hi Moya,
Thank you so much for taking the time to share this, and we are very sorry for your loss.
We know how difficult it can be dealing with financial matters after losing a loved one, and it really means a lot to hear that our team was able to make that process a little easier for you. Clear communication and compassion are incredibly important to us, especially at such a sensitive time, so we are glad our emails were prompt, understandable and supportive.
Your kind words will be shared with the team who helped you, as feedback like this truly matters to them. Thank you again for trusting Chip during such a challenging period.
The Chip Team
GRACIAS POR EL SERVICIO
15 dicembre 2025
Non scritta su invito
Risposta di Chip
Hi Veronica,
Thank you for the fantastic review, we are always here to help should you require any further support.
The Chip Team
Speedy deposit and speedy withdrawals.
Speedy deposit and speedy withdrawals.
I am most impressed!
10 dicembre 2025
Non scritta su invito
Risposta di Chip
Hi Mr Roberts,
Thanks so much for taking the time to share this. We are really glad to hear you have had a smooth experience with deposits and withdrawals.
Making things fast and hassle free is a big focus for us, so it is great to know it is making a difference.
The Chip Team
Excellent Service
After a problem (of our own naming) we needed to phone customer service. Michelle was brilliant: patient and efficient. On that basis alone, we recommend.
12 dicembre 2025
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Risposta di Chip
Hi Jonathan,
Thank you very much for your kind words for Michelle, it's great to hear that the support provided was as helpful as possible and we will make sure this feedback is passed on to her.
The Chip Team
What’s not to like
Great service, easy to use app, chat functionality is great as is the response to queries - really helpful and quick.
17 dicembre 2025
Non scritta su invito
Risposta di Chip
Hi Nic,
Thanks for the great feedback. We are really glad to hear you find the app easy to use and that our chat support has been helpful and quick to respond.
Thanks for choosing Chip.
The Chip Team
I recently accidentally duplicated a…
I recently accidentally duplicated a payment into my Chip ISA which would have overdrawn my current account. Chip corrected this promptly and efficiently. Excellent service.
5 dicembre 2025
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Risposta di Chip
Hi Steve,
Thanks for sharing this. We are really pleased to hear the issue was picked up and resolved quickly for you.
Mistakes can happen, so it is great to know the team was able to step in promptly and help prevent any knock-on impact to your current account. We will be sure to pass your feedback on.
The Chip Team
Very helpful and efficient as always
5 dicembre 2025
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Risposta di Chip
Hi George,
Thank you for your kind words, our support team always aim to support you as quickly as possible and we will make sure your feedback is passed on.
The Chip Team
A compromised debit card meant my bank…
A compromised debit card meant my bank stopped its use & sent another. As Chip are essentially a collective we are all included in maintaining the security of our holdings & reconnecting a new debit card was a quick, simple & smooth process to ensure the integrity of my account going forward.
5 dicembre 2025
Non scritta su invito
Risposta di Chip
Hi Rich,
Thanks for taking the time to share this. We are really glad to hear everything was handled smoothly after your card was compromised.
Keeping accounts secure is something we take very seriously, so it is great to know reconnecting your new debit card was quick and straightforward. Thanks as well for recognising the shared role we all play in maintaining account security.
We appreciate you choosing Chip and your continued trust.
The Chip Team
The app lock you out if not accessed a…
The app lock you out if not accessed a while.
Not very sofisticated ad not allowed to revover my account.
Disappointed.
16 dicembre 2025
Non scritta su invito
Risposta di Chip
Hi Aki,
We are really sorry to hear you are having issues accessing your Chip account, we can always support with regaining access and our customer support team would be happy to get this fully resolved for you.
If you have not done so already, could you kindly reach out to us via email at hello@getchip.uk and we can discuss next steps.
The Chip Team
Very pleased with Chip
Very pleased with Chip primarily for an ISA investment. Easy to add or withdraw money linked to my main bank account.
Both App and communication with Chip work well.
9 dicembre 2025
Non scritta su invito
Risposta di Chip
Hi Mark,
Thanks for sharing your experience. We are really pleased to hear you have been enjoying using Chip for your ISA investments and that adding and withdrawing money has been straightforward.
It is great to know as well the app and our communications have been working well for you. We will pass this feedback on to the team.
The Chip Team
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