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Chip Reviews 4,534

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TrustScore 4.5 out of 5

4.4

Non-Bank Financial Service
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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness, politeness, and efficiency, highlighting numerous positive interactions. The customer service team is frequently described as professional and quick to respond, providing clear and empathetic support, which often leads to swift problem resolution. Many people appreciate the ease of transferring money and the convenience of seeing daily interest accrue. However, some customers also noted issues with the service, particularly regarding payment transfers and linking bank accounts. A few people expressed frustration with the time it takes for funds to be transferred to their bank, while others were dissatisfied with the limited options for linked bank accounts and the level of access Chip requires to their bank details. There were also isolated reports of poor customer service experiences.

What people talk about most

Customer service

People report positive experiences with customer service. Many customers praise the professional, efficient,... See more

Response time

Consumers generally express satisfaction with the response times. Many reviewers highlight prompt email... See more

Staff

Reviewers mention positive feedback about staff. Customers consistently praise the helpfulness,... See more

Service

Clients share ambiguous opinions on service. Many reviewers praise the excellent, professional, and efficient... See more

Payment

Users describe ambiguous interactions with payment. Many customers report difficulties with transfers, such... See more

Based on these reviews

Rated 4 out of 5 stars

I have a tricky situation. I live with 2 different names, one being my maiden name and one being my ex married name. My current account was opened before I got divorced but all my legal documents to v... See more

Company replied

Rated 4 out of 5 stars

I found Chip online as I was looking for a Cash ISA. Their signing on policy was easy and their app is very efficient and easy to use. They offer attractive ISA products which are competitive. An... See more

Company replied

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

Shel was so helpful! I used chat to ask a question about withdrawal penalties, and Shel answered super clearly but also perfectly succintly. No need to go back and forth with more questions (which som... See more

Company replied

Company details

  1. Non-Bank Financial Service

About Chip

Written by the company

      Download Chip App      Chip Instagram        Chip LinkedIn      Chip LinkedIn  

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.
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  • Build wealth tax-free1 with our Cash ISA and Stocks & Shares ISA.
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  • Track your entire investments and savings portfolio in one place.
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  • Set your financial goals, link an account and save for those milestone moments.
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  • Our smart features, like autosaving and recurring deposits, help make investing and saving seamless and easy.
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  • Open any of our savings accounts completely free within minutes2.
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  • All savings accounts in Chip are eligible for FSCS protection on up to £85,0002.
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  • 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.
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  • 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.
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  • Chip Financial (Investments) Ltd is authorised and regulated by the Financial Conduct Authority, under firm reference number 1005114.
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  • 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

4.4

Excellent

TrustScore 4.5 out of 5

5K reviews

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Rated 5 out of 5 stars

A service who actually listen and understand.

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 sending pro forma responses. Good Job and thanks.

April 10, 2026
Unprompted review
Rated 5 out of 5 stars

Customer support "guys" help anytime if they can

The customer support "guys" are very helpful and trying to be quick as they can. My phone been repaired and in the service they factory reset my phone. I did a safety back up of all my apps, but when I tried to log in the system didn't recognise my phone. Did see as a new device so couldn't login. Contacted customer service and they sorted out for me almost instantly. Thanks!
At the moment I have an ongoing issue with my Smart cash ISA. Is not flexible enough for me as the old Cash ISA. So I want to go back to my old Cash ISA.
But unfortunately when the conversion done between the cash ISA & Smart Cash ISA the oldcash ISA account is close.
Parently they have to reopen,the old Cash ISA account which looks like isn't that easy.
So now I still waiting for them to fix this issue for me. Thanks "guys"

April 16, 2026
Unprompted review
Rated 5 out of 5 stars

Quick and helpful support

Quick and helpful support, that answered an account question. Good to feel that there is someone on the other end of a chat message.

April 13, 2026
Unprompted review
Rated 5 out of 5 stars

Setting up a new account when you have just moved had a nightmare trying to set up an…

I had a nightmare trying to set up an account I had just moved house so driving licence boils etc was all in my now old address
I emailed customer care Ben came back to me quickly and after a few emails it was all sorted Ben was a great help and understood my position completely setting my account for me using solicitors paper and bank information on the sale good guy thank you

April 15, 2026
Unprompted review
Rated 1 out of 5 stars

The worst pop up unregulated bank known…

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 of complaints, but due to them being unregulated they are awaiting more powers to argue against this delboy firm!

June 27, 2025
Unprompted review
Chip logo

Reply from Chip

Hi Luke,

We’re really sorry to hear about your loss. This sounds like an incredibly difficult situation, and we understand how distressing this must feel.

Chip is a regulated company and works with fully authorised UK banks to hold customer funds. In the case of a bereavement, there is a specific process we must follow before any funds can be released, including verifying documentation. This is to ensure we’re protecting the account and acting correctly.

If you do have any further questions we can always be reached at hello@getchip.uk via email.

The Chip Team

Rated 5 out of 5 stars

David B

I didn’t draw on Chip’s service because of a change in financial priorities. What appealed to me was the welcome I was given to the Chip community. My experience with the company was genuinely pleasing and I felt valued as a new investor. Great experience; a shame I had to exit from Chip. If it helps, I would certainly recommend this investment company if future investors were to draw on this service provider.

April 13, 2026
Unprompted review
Rated 5 out of 5 stars

Oustanding Service

Great experience. So quick to respond to queries and staff are so polite and helpful. Needed a statement for my tax return on one of the accounts I had closed. This had to be done manually by Chip but was still provided in less than 24 hrs. Outstanding service and would not hesitate in recommending them.

April 13, 2026
Unprompted review
Chip logo

Reply from Chip

Hi Caroline,

Thank you very much for your recommendation. We recognize that tax related requests are time sensitive, and we are pleased our team could manually provide your statement for a closed account in under 24 hours.

The Chip Team

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