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... Mehr ansehen
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Das sagen Bewerter
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... Mehr ansehen
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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... Mehr ansehen
Unternehmen hat geantwortet
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... Mehr ansehen
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Unternehmensdetails
Über Chip
Vom Unternehmen geschrieben
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.
Kontaktinformationen
232 Shoreditch High Street , E1 6PJ, London, Vereinigtes Königreich
- hello@getchip.uk
- getchip.uk
4,4
Hervorragend
4546 Bewertungen
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Das haben sich andere Leute angesehen
Wonderful work from Kate!
My advisor, Kate, was remarkably fast and very helpful! She answered my question about my deposit within the one email, and settled my worries.
5. Jänner 2026
Bewertung ohne vorherige Einladung
Antwort von Chip
Hi Zakariya,
Thanks so much for sharing this. We are really glad to hear that Kate was able to answer your question so quickly and put your mind at ease.
It is great to know everything was resolved in a single email, and we will be sure to pass your kind words on to her. Providing clear and reassuring support is exactly what we aim for.
The Chip Team
Great services
Had an issue with my interest payments i used the online chat and spoke to Kate.
The issue was answered and sorted in less than 10 minutes
5. Jänner 2026
Bewertung ohne vorherige Einladung
Antwort von Chip
Hi Matthew,
Thanks for sharing this. We are really pleased to hear that Kate was able to resolve your interest payment issue so quickly.
It is great to know the in app chat helped get things sorted in under 10 minutes, as that is exactly the level of support we aim to provide. We will make sure your feedback is passed on to Kate and the wider team.
The Chip Team
Chip ownership statement continues to be missing
What on earth is going on with the issuance of the Chip share ownership statements and why haven't there been any updates as to the progress of this?
I've aready contacted Chip about this and they disappointingly, without any empathy, said that this is not their responsibility, which is an indicator to me of how they will behave in the future, so I strongly recommend AVOIDing this company.
5. Jänner 2026
Bewertung ohne vorherige Einladung
Antwort von Chip
Hi There,
We’re really sorry for the frustration this has caused and for how your earlier contact felt. We understand how important clear updates are, especially on something as significant as share ownership statements.
To clarify, the required checks are now complete and the Chip share ownership statements are available to investors.
If you have any remaining questions, please reach out to us via the in app chat and the team will be happy to help.
The Chip Team
Always quick to respond.
Always quick to respond and always very helpful. Cannot fault their service..
2. Jänner 2026
Bewertung ohne vorherige Einladung
Antwort von Chip
Hi Stevie,
Thanks for the lovely feedback.
We’re really pleased to hear you’ve found the team quick to respond and helpful whenever you’ve needed support. It means a lot to know our service has been hitting the mark for you.
If you ever need anything in future, the in app chat is always there to help.
The Chip Team
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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. Jänner 2026
Bewertung ohne vorherige Einladung
Antwort von 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. Jänner 2026
Bewertung ohne vorherige Einladung
Antwort von 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. Jänner 2026
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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
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