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... Voir plus
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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... Voir plus
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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... Voir plus
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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... Voir plus
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À propos de l'entreprise
À propos de Chip
Écrit par l'entreprise
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.
Coordonnées de contact
232 Shoreditch High Street , E1 6PJ, London, Royaume-Uni
- hello@getchip.uk
- getchip.uk
4,4
Excellent
5 k avis
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First Class Customer Care
I had a query regarding money that I had thought had been transferred to my Prize Savings Account. I went on an on-line chat with Keith, who was very supportive and promptly sorted out my situation. Even though I didn’t actually verbally speak to him ( which I prefer) .. The on line chat was very reassuring. It cemented my confidence in banking with Chip.
13 janvier 2026
Avis spontané
Réponse : Chip
Hi There,
It is brilliant to hear that Keith could provide the reassurance you needed! We understand that preferring to speak to someone verbally is common, so it is great to know our in-app chat was able to cement your confidence with us.
I will be sure to pass your kind words on to Keith and the rest of the team.
The Chip Team
Réponse : Chip
Hi Gareth,
Thank you for your kind recommendation! We are delighted to hear that you find us trustworthy and that you have had such a positive experience with our friendly customer service team. Providing a secure and supportive service is at the heart of everything we do.
The Chip Team
Chip don’t deserve a one star to be…
Chip don’t deserve a one star to be honest.
I’m an executor to my partners will and I’ve been trying without success for Chip to refund £50.13p,
I’ve had over 50 emails back and forth they don’t accept that I’m the executor and have been asking me for proof, I’ve sent them The Will, my passport, drivers licence, utility bill, letters from the bank, one minute they say yes you have passed the checks only to come back with something else.
Out of all the companies I’ve been dealing with Chip is by far the most bureaucratic of them all and the worst.
I would avoid this company at all costs with your finances would be my advice,
Minus five stars would be best suited for Chip
12 janvier 2026
Avis spontané
Réponse : Chip
Hi Philip,
We’re really sorry to read this and we understand how upsetting and exhausting this process has been, especially when you’re dealing with a bereavement. That’s not the experience we want anyone to have.
We appreciate you providing extensive documentation and we’re sorry for the repeated requests. As a regulated financial provider, we’re required to complete very specific checks before releasing funds, these checks can unfortunately be stricter than those used by some other organisations, but they’re in place to protect the estate and prevent fraud.
That said, we recognise how frustrating it is to feel like the goalposts keep moving, and we’re sorry for the time and effort this has taken.
The Chip Team
Prompt and quick resolution.
Prompt and quick resolution from the Chip customer service team. For me the high street banks are so poor with communication, for instance one bank keeps contacting me apologising for the late response to my complaint, what complaint? Then another bank on the high street, sent me a card and pin separately. After a month of not being able to open my account, I sent the card back, then they sent me a statement, I have not put money into this account? Going back to Chip, the account covers customer services by text within the app, password and pin numbers as expected and are unique to you. As I have identified myself as a vulnerable customer, the customer service team at Chip are outstanding.
12 janvier 2026
Avis spontané
Réponse : Chip
Hi Adrian,
Thank you so much for this wonderful feedback! It is brilliant to hear that our team has provided the support and clear communication you deserve, especially in contrast to your experiences elsewhere.
We take our responsibility toward our customers very seriously, providing a secure, straightforward, and supportive service is exactly what we strive for at Chip.
The Chip Team
Fast response to deal with my issue
Fast response to deal with my issue. Great customer team.
14 janvier 2026
Avis spontané
Réponse : Chip
Hi Stephanie,
Thank you so much for your review, we always aim to get back to any query as quickly as possible so it's great to hear this was the case for you and you were not waiting for a extended period.
The Chip Team
Quick reply to my query and the issue…
Quick reply to my query and the issue was sorted out. Reply was clear concise and explained what would happen going forward. Very satisfied customer.
13 janvier 2026
Avis spontané
Réponse : Chip
Hi Lesley,
It is brilliant to hear your query was handled so efficiently. We aim to provide clear, jargon-free support so you always know what to expect next and we are very glad to see this was the case for you.
The Chip Team
I'd no sooner sent a email to chip and…
I'd no sooner sent a email to chip and they were straight on to my lawyer. A great response to a long running problem that in my opinion shouldn't have been there in the first place!
Now I'm hoping that between them they will find out why? and get my funds into my chip account ASAP.
12 janvier 2026
Avis spontané
Réponse : Chip
Hi Shaun,
I am pleased to hear we are making progress on this for you. While I am sorry it became a long-running issue, I am glad our team was able to coordinate quickly with your lawyer, If you need any further updates, our customer service team are happy to assist.
The Chip Team
Needed to confirm my personal details…
Needed to confirm my personal details but encountered an error. Roxanne helped me quickly and efficiently within 10mins.
Excellent support.
13 janvier 2026
Avis spontané
Réponse : Chip
Hi Preston,
It is brilliant to hear that Roxanne was able to resolve that error for you so quickly! We aim to make confirming details as smooth as possible, and I will be sure to pass your kind words on to her. Thank you for the excellent feedback.
The Chip Team
Chip-tastic !
Very friendly and helpful people at Chip. I recently won on the Chip draw four times (£20.00) ! Happy days
13 janvier 2026
Avis spontané
Réponse : Chip
Hi Pauline,
That is wonderful news! huge congratulations on your four wins, we are so pleased to hear you are enjoying the prize draws and that our team has been helpful along the way.
The Chip Team
Clear communications - Excellent service
Clearly communicated, jargon-free answer to an email query, received within hours, that did directly answer the specific question I had asked. A very satisfactory interaction.
7 janvier 2026
Avis spontané
Réponse : Chip
Hi Pete,
Thank you for your feedback, we always aim to provide direct and helpful support without the fluff, so we are glad we hit the mark for you.
The Chip Team
Responsive and I felt supported
Responsive and I felt supported in resolving my issue. I feared the answer would be complex and hard for me to administer but with their help it was clear and simple.
5 janvier 2026
Avis spontané
Réponse : Chip
Hi Joyce,
It is brilliant to hear that we could make a complex issue feel simple for you. We always aim to provide clear, accessible support so you feel confident managing your money. Thank you for your kind words.
The Chip Team
Great service
After what I thought to be a suspicious contact, I reported this to Chip. They contacted me via the app so I knew it was them. They were very helpful and their actions reassured me.
5 décembre 2025
Avis spontané
Réponse : Chip
Hi Andrew,
It is great to hear that our team was able to provide the reassurance you needed. Keeping your account secure is our top priority, and we are glad the in-app chat helped confirm you were speaking with us. Thank you for being vigilant and for sharing your positive experience.
The Chip Team
Professional
Professional, genuine and efficient... dealt with very quickly...a breath of fresh air in these days when sitting on hold for ages has become the norm.
7 janvier 2026
Avis spontané
Réponse : Chip
Hi Danny,
It is wonderful to hear you had such a positive experience! We know how frustrating long hold times can be, so we aim to keep our support quick and genuine, If you ever need us again, we are just a message away via the in-app chat.
The Chip Team
EFFICIENT
My query was dealt with very efficiently . Helping hand all the way .
5 janvier 2026
Avis spontané
Réponse : Chip
Hi Edmund,
It is brilliant to hear your query was handled so efficiently. We always strive to provide a helping hand to our users, so we are glad you felt supported throughout the process.
The Chip Team
Just tried to make a one off payment…
Just tried to make a one off payment into an online account. But only option seemed to be to authorise chip to acess bank account, did this, but then tried to close & return to chip. Then caught in a continous loop & not able to return to chip. Annoyed, frustrated & appalled as a new customer. Will not be making any more deposits & will be closing my account.
8 janvier 2026
Avis spontané
Réponse : Chip
Hi Mike,
We are really sorry to hear about this. That sounds incredibly frustrating, especially as a new customer, and we understand why you would be annoyed.
For one off deposits, Chip does need a connection to your bank so the payment can be authorised securely. It sounds like something went wrong during that hand off back to the app, which is not the experience we want anyone to have.
We would like to take a closer look at what happened and help you get unstuck if you are open to it. As you were unable to return to the app, please email us at hello@getchip.uk and the team can investigate and guide you through next steps.
We appreciate you giving Chip a try and are sorry we let you down here.
The Chip Team
Sorted out my problem without any fuss
Sorted out my problem without any fuss. Very happy with the service.
8 janvier 2026
Avis spontané
Réponse : Chip
Hi Anne,
It is great to hear that we were able to get your issue sorted quickly and without any fuss. We always aim to make managing your money as seamless as possible, so it is rewarding to know you are happy with the service you received.
The Chip Team
Shel was first class
The Chip assistant (Shel) was first class but I have to say that there should be an easier way to reset a PIN in order to unlock a frozen App. Especially as, in this age of biometric security, people are prone to forget the old ways.
7 janvier 2026
Avis spontané
Réponse : Chip
Hi Steve,
Thanks for taking the time to share this and we are really glad to hear Shel was so helpful.
We hear your feedback on PIN resets. You are absolutely right that with biometrics doing most of the work these days, it is easy to forget a PIN, and the process to recover access should feel as smooth as possible. We have put a lot of focus on security, but we know that has to be balanced with usability, especially when an app becomes locked.
The Chip Team
Fabulous app and won three prizes!!
Fabulous app and won three prizes in their december draw totalling over a thousand pounds! Five wins so far and have had great customer service. Have recommended the app to my friends and family, love it!
8 janvier 2026
Avis spontané
Réponse : Chip
Hi Glesni,
We are absolutely thrilled to hear about your success in the December Prize Draw. Winning over a thousand pounds is a brilliant way to end the year.
Thank you so much for recommending Chip to your friends and family. Word of mouth is incredibly important to us, and we are glad that our customer service team has been able to support you so well along the way.
We will be sure to share your kind words with the whole team. If you ever need anything else, please don't hesitate to reach out to us via the in-app chat.
The Chip Team
DO NOT SAVE WITH THEM AS YOU WILL STRUGGLE TO ACCESS YOUR MONEY…
DO NOT SAVE WITH THEM AS YOU WILL STRUGGLE TO EASILY WCCESS YOUR MONEY AND HAVE TO JUMP THROUGH HOOPS TO GET YOUR MONEY OUT
Possibly the worst savings banking experience possible EVER and I’ve over 10 savings accounts so know a thing or 2 about them
They already have all your details from when you opened your account passport, driving license utility bill proof of address, had access to another bank through open access for 90 days and when you want to leave or transfer in or out you have to jump through hoops and give them access to my bank for 90 days
Why, ? I should be able to nominate the bank I want the money to transfer over to and then they should be able to do that request!
I have a real security problem here and they are not fitting into the box of a secure banking system and open to fraud
The crowdfunding they are doing is really off putting, they are using this instead of venture capitalist approach and calling it more of a Brand Advocate’s approach, so guys you are paying them to say it’s the way ahead in savings, looking at the books on companies house I’d say it’s more about the mismanagement of money! I would not trust this company with any of my savings and nor should you if you value your money and your security or time
Why would a company need to crowdfund for a second time for millions of pounds to keep the bank afloat and move it forward, how are they even trading, no savings platform should be doing this… I’m reporting my concerns to the FOS
7 janvier 2026
Avis spontané
Réponse : Chip
Hi Rachel,
We really do appreciate you taking the time to share this feedback.
Accessing and moving money should feel straightforward, so we understand why repeated checks can be frustrating. The additional steps you mention, including temporary Open Banking access, are there to protect customers and prevent fraud. They are part of our regulatory obligations rather than barriers designed to make withdrawals difficult, and funds are always yours to move once the required checks are complete.
We also want to reassure you that Chip remains fully regulated and financially secure. Our crowdfunding is optional and separate from customer savings. It is about allowing customers to become shareholders, not about keeping the business afloat, and customer funds are protected in line with UK regulations.
We are sorry that your experience has led to a loss of trust. If you would like the team to look into your specific case or explain any of these processes in more detail, our support team are happy to help.
The Chip Team
I had a quick reply to my question…
I had a quick reply to my question ,this company is always helpful
2 janvier 2026
Avis spontané
Réponse : Chip
Hi Mark,
Thank you for the lovely review! We are delighted to hear that you received a quick response to your question.
Providing helpful and efficient support is a top priority for us at Chip, so it is great to know our team hit the mark for you. We really appreciate you taking the time to share your positive experience.
The Chip Team
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