---
title: "Chip – Savings and Investments - Reviews, Revenue and Downloads in United Kingdom | Apple App Store"
description: "Chip is here to make your life wealthy; we offer one simple, personalised experience to manage, and grow your wealth. That’s why we’ve been crowned ‘Best Personal Finance App’ in 2025, 2024, 2022, 201"
---

# Chip – Savings and Investments — United Kingdom
> Build & manage your wealth.

![Chip App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/39/06/78/3906786b-3acc-f530-5812-b95b13f26270/AppIcon-0-0-1x_U007ephone-0-1-0-sRGB-85-220.png/400x400bb.png)

**Developer:** [Chip Financial](https://apptail.io/developer/chip-financial-uCQ) (United Kingdom)
**Category:** Finance
**Rating:** 4.7/5 (39,467 ratings)
**Price:** Free
**Bundle ID:** uk.getchip.chip
**Store:** Apple App Store
**Country:** United Kingdom
**Version:** 5.23.0 (released 2026-10-07)
**Original Release:** 2016-09-04

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/gb/app/app/id1141297472)
**AppTail Page:** [https://apptail.io/app/chip-savings-and-investments-bTj/united-kingdom](https://apptail.io/app/chip-savings-and-investments-bTj/united-kingdom)

## Chip Description
Chip is here to make your life wealthy; we offer one simple, personalised experience to manage, and grow your wealth. That’s why we’ve been crowned ‘Best Personal Finance App’ in 2025, 2024, 2022, 2019 at the British Bank Awards.

• Start investing from £1 with our range of investment funds. Platform fees (0.25%) may apply.
• Build wealth tax-free 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 AI features make investing and saving seamless.
• All savings accounts in Chip are eligible for FSCS protection on up to £120,000.
• UK-based customer support available 7 days a week. 

Join over 400,000 users seeking to build a better financial future with Chip.

When investing, your capital is at risk. Tax treatment depends on individual circumstances and may be subject to change in the future. Chip does not provide tax or financial advice.

Build a diverse investment portfolio starting from £1:
• Invest in a Stocks & Shares ISA or a General Investment Account.
• Create a personalised portfolio with over 40 funds across global or regional indexes, thematics and commodities.
• Grow your investing knowledge with our guides, insights and tools.

The value of your investments can go down as well as up and you may get back less than your original investment.

Choose from a range of savings accounts designed for your goals:
• Open any of our savings accounts completely free within minutes.
• Earn competitive interest rates.
• All our savings accounts are FSCS protected subject to the scheme's rules.

Smart Cash ISA:
• Build your savings tax-free with a flexible cash ISA.
• Withdraw and redeposit whenever you need in the same tax-year.
• Request and track ISA transfers in-app, with on-hand support from our award-winning team. 

Prize Savings Account:
• Win cash prizes just for saving by joining our monthly prize draw.
• We’ve already paid out over £1.25m across 66k+ prizes.
• More savings, more entries; you can deposit between £10 to £85k and have a chance of winning a share of £100,000. T&Cs, eligibility criteria and minimum average balance of £10 applies.

Chip Instant Access:
• Built to give you full flexibility and access.
• Earn a competitive interest rate. 
• Deposit and withdraw almost instantly, as much as you like.

Chip Easy Access:
• Designed to keep your savings on track. 
• Earn a competitive  interest rate. 
• Three penalty-free withdrawals in a 12 month period. 

Build your wealth with Autosaves and recurring deposits
• Our Autosaving feature calculates what you can afford to save and invest based on your spending habits. 45p per save may apply.
• Set up seamless recurring deposits into your savings accounts or investment funds for hands-free wealth building.


About Chip:
• Chip Financial Group Ltd, authorised and regulated by the FCA (FRN: 911255) for payment services.
• Chip Financial Wealth Ltd is authorised and regulated by the FCA (FRN: 1005114) as a MiFID investment firm.
• Chip Financial Wealth Ltd offers the Smart Cash ISA, General Investments Accounts, the Stocks & Shares ISA and the Chip Personal Pension.
• ClearBank Limited is the account provider for your Chip Instant Access Account, Chip Prize Savings Account, and Chip Cash ISA.

## Chip Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/b3/ce/15/b3ce1513-9305-8435-0a2a-debb7a6766b8/0_APP_IPHONE_65_0.png/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/35/71/04/357104f3-be59-6d9c-ff48-bd115ba706b6/1_APP_IPHONE_65_1.png/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/c4/c1/ea/c4c1ea0d-b880-93b7-7de8-943688d37771/2_APP_IPHONE_65_2.png/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/c5/4c/86/c54c86ed-fc74-182c-a87d-0f90576c378a/3_APP_IPHONE_65_3.png/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/d9/4a/ad/d94aadd3-4943-1c74-4b7f-e40c97a68054/4_APP_IPHONE_65_4.png/1242x2688.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a5/c1/4a/a5c14ad1-6346-d2dc-0cb1-ccebb69446d8/5_APP_IPHONE_65_5.png/1242x2688.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f3/94/72/f39472f8-0418-4a92-c91a-d9f688305304/6_APP_IPHONE_65_6.png/1242x2688.png)
- [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/12/0b/d0/120bd0b2-38c7-20d5-e0e6-23118476da69/7_APP_IPHONE_65_7.png/1242x2688.png)

## Chip Rating Breakdown in United Kingdom
- 5 stars: 32,346 (82%)
- 4 stars: 4,139 (10%)
- 3 stars: 1,120 (3%)
- 2 stars: 403 (1%)
- 1 stars: 1,459 (4%)

## Chip Reviews in United Kingdom

### *---- "🤷‍♂️ What's The Point?"
Chip's initial premise was a good one: "Keep your money with us and you'll not have to worry about chasing better rates, as we'll always keep up."

Now that they have decided to no longer do this, what's the point?

Sadly, there is none. Switch.
-- JohnHead101, 2026-09-11

### ****- "Good app with a few complications"
Chip have a good app, and competitive rates across accounts. However app functionality can be limited for depositing funds. ISA deposits are only supported from banks using open banking, this limits a number of major banks such as Virgin Money.
-- BenjaminJC, 2026-08-28

### ***-- "Ok for the rates"
I switched to this app from trading212 because of the better savings rates but there are a few things which I don’t enjoy, such as the fact it takes so long to withdraw the funds (I used to be able to withdraw money instantly, now it takes at least 1 business day) and that I don’t see how much my savings have increased each day unless I log in to the app. Having a notification of “you have earned £2 today!” Is a nice incentive to keep setting money aside in the cash ISA. Other than that, at least the app is easy to use I guess.
-- Camila Centeno, 2026-08-26

### *---- "Second attempt"
In summary, Grimebearer comments chimed with mine.

As a corporate finance manager it was obvious the plan was to scale up and seek investment. 

When I took a look at the Chip Investment document and laughed the assumptions were crazily optimistic as were the prospects of the vision to investors.

Good luck but don’t forget about the people you need to keep happy to make it a business.
-- Shamrock Celtic, 2026-08-26

### ***** "Chip ISA took 2 minutes setup"
Chip in to savings ISA and excellent rate took 2 minutes to fund from my savings which attracts little interest
-- toni1208, 2026-08-20

### *---- "Poor"
Came to chip to move years of ISAs , but can’t even sign up, the final screen just spins, if I force close, restart my phone etc, I have to enter all my details again for the same result! Will try Vida instead
-- nickname unauthorised, 2026-08-19

### *---- "Disappointing changes over time"
It’s disappointing to see how Chip has changed over time. I was a user back in 2017 and really liked the app, so when they did a Crowdfunding round I invested some of my savings. I even participated in several subsequent rounds.

I was initially impressed by how the app improved, and by how Chip grew its user base and started monetising it when rates rose. But communications with investors have been terrible, bordering on contemptuous. Updates are irregular, and the quarterly reports that were once promised have been abandoned. Emails to management to complain are met with platitudes.

Have a look at Chip’s shareholder community forum - the tone is very negative. The people who were the earliest backers of Chip and could be the biggest grassroots marketing tool are furious at the way Chip’s founders take them for granted. 

There was an attempt to offer shareholders a way to sell out last year, but in the end only 10% of shares were allowed to be sold. Chip then went completely silent and didn’t give any further updates - we’re still waiting for the annual report after giving up hope of any more quarterly reports. As usual, Chip will promise that it’s on its way and then do nothing for months.

Keeping Chip’s shareholders happy would require so little. Regular updates (at least once a quarter), being kept in the loop on Chip’s financials, webinars with management etc. Instead, Chip has ensured that it has little if any goodwill from its shareholder base - who are, in case management needs reminding, co-owners of the business. 

Overall, very disappointing. If I were a potential private equity buyer doing due diligence on Chip I would regard its founders’ attitude towards other investors as a cause for concern.
-- Grimebearer, 2026-08-14

### **--- "Service getting worse"
What used to be an instant transfer now takes 2 days
-- TW742, 2026-07-31

### ***-- "ISA rates"
The rates are no longer competitive and I will be transferring my funds…no good just to give competitive rates to draw funds in then drop them
-- Ribble valley man, 2026-07-22

### *---- "Poor service"
Slow customer response when problems arise connecting to bank accounts. Held at arms length by thick BOTS when you need to speak to a human being.
No notification about cash ISA change I discovered a lowered interest rate by accident.
-- Looneykeycode, 2026-07-16

### **--- "Used to be better"
Good app that makes saving simple, but chip is not what it used to be. Frustrating that decent savings rates are only for new customers. Isa & prize withdrawals next day, rather than instant means the account much less flexible as an everyday savings than previously. Instant savings account not competitive interest rate for existing customers.
-- whywhatwhenwhyyyyyyy, 2026-07-14

### *---- "New ISA"
I’ve been with CHIP for a number of years and have always found them to be great until I joined the new ISA. Withdrawals now take a day to process which makes it difficult to manage my money overall. Sadly now in the process of moving my ISA to trading212
-- cumbernauld89, 2026-07-14

### *---- "The most garbage Customer Service ever!!"
If you message because you need something urgent to do with your account, you’ll be lucky if you got an idiot responding to you in 5–6 days, who doesn’t know what he’s talking about. I have been also given the wrong information multiple times from their customer service agents. Also, they unlawfully refused my ISA transfer out, and I am currently in the process of the financial ombudsman involvement. Avoid this failure business
-- Mo S F, 2026-07-14

### *---- "Not opening"
I tried to access my account for a couple of days. However I can’t get through. Can you help me on this issue please? Urgently I need to access my account.
-- erenm29, 2026-07-11

### *---- "Today’s update loops to update"
Today’s update results in opening the app, to be told it needs Chip Update, which opens the App Store which has no further update available, and Open is the only option, which opens app only to  say update needed.
Deleting app and reinstalling doesn’t solve.
Unusable.
-- Andrew’s Views, 2026-06-24

### *---- "Update fail?"
Just updated the app today and now it does not open. Stuck in a loop between App Store and message that states older versions have been deleted
-- AIM8138126, 2026-06-24

### *---- "Update Loop of Doom"
Updated to latest version and now can’t get past the you must update the app screen. Testing is a wonderful thing!
-- Toboroo, 2026-06-24

### ***** "Easy to use"
Never had any previous experience with ISA investments, have found Chip easy to use with good communication and help if you need it, long may it continue.
-- Bumpernikel, 2026-05-27

### ***** "Fantastic"
Fantastic app, easy to use, great support from Chip, All round great experience using the app and being a Chip customer. Highly recommend. 👏🏼
-- Legin Boodles, 2026-04-10

### *---- "Terrible"
Awful service, so slow to respond or do anything with your money. Make it near impossible to move your money out of their accounts. Use at your own risk!
-- Nu42, 2026-04-08

[View all Chip reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)


## Chip Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Free | United Kingdom | Finance | #159 |

## Chip Discovered Keywords
- track spending
- personal finance
- trading platform
- shares trading
- trading stocks
- investment app
- investing apps
- capital one app
- m1 finance
- finance manager

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---

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