Chip - Investments and savings 12+

Build & manage your wealth‪.‬

Chip Financial Ltd

    • Free

iPhone Screenshots


Chip is an award-winning savings and investments app that makes it easy to build your wealth.


We offer several savings accounts, all provided by UK-authorised banks and covered by the Financial Services Compensation Scheme (FSCS).


The Chip Instant Access Account is an easy access savings account with a highly competitive interest rate.


Earn tax-free interest with our fully flexible easy-access Cash ISA. You can deposit up to £20,000 every tax year, and any withdrawals won't affect your ISA allowance.


With Chip’s Prize Savings Account, each month, we will pay up to £75k in prizes. This includes a Grand Prize of £10k, as well as thousands of smaller prizes.

It’s free to enter, you just need to hold an average balance of £100 in the account. (T&Cs and eligibility criteria apply).


Automatically save up money using AI, or create a bespoke plan to top up your savings accounts and investment funds on a custom schedule.


We make it easy to put your money to work with investment funds powered by the biggest asset managers in the world, like BlackRock, Vanguard and Invesco.

These diversified funds enable you to invest in a wide range of assets all at once. You can choose between funds that are globally diversified, specialise in ethical investments and clean energy, or get in on the next big thing and invest in emerging markets. We’re always expanding this list too.


We offer users the chance to make more of their money with a Stocks & Shares ISA. All the funds we offer are suitable for use with a Stocks and Shares ISA.

Our Stocks & Shares ISA allows you to invest up to £20,000 every tax year, and any profits you make are protected from tax.

If you have more than £20,000 to invest, or your annual ISA allowance is already full, you can use a General Investment Account (GIA) to invest as much as you like.


As a Chip user, you can build a portfolio across a wide range of investment funds built by the experts.

Our Savings Plans enable you to top up your investment funds or savings accounts automatically, either using our award-winning AI, or by making your own fully custom automated investment strategy.


We provide the highest level of security as standard, offering 256-bit encryption, 3D Secure and the latest Open Banking technology. All savings accounts in Chip are eligible for FSCS protection on up to £85,000 of savings. Our award-winning UK-based customer support team is on hand.


Join 700,000 users seeking to build a better financial future with Chip, crowned Personal Finance App of the year 2022 at the British Bank Awards.

When investing, your capital is at risk. Past performance is no indication of future performance. The information communicated is generic and not specific to any particular investment. It does not constitute and should not be interpreted as either tax or financial advice. The value of investments can go down as well as up. Please also note that tax treatment depends on individual circumstances and may be subject to change in the future.

What’s New

Version 4.81.1

Everything in this update went on behind-the-scenes. We’ve saved the front-of-house stuff for our next update. Watch this space.

Ratings and Reviews

4.6 out of 5
28.6K Ratings

28.6K Ratings

SwanseaCityFan ,

Thank you, thank you, thank you!

Not sure if the team at Chip even read these reviews but I wanted to say a great big THANK YOU because with your help I've succesfully saved for my dream travelling holiday. I have the 5% interest (I was a very early sign up so got this without refering people which proabbly does make it slightly more appealing to me then than it does now) which is miles better than anything else on the market. Whilst my friends were trying all these small tips and tricks to put away money I knew that I had a handy little app which put my spare cash away for me. Like a few reviews I've read, I did experience a few technical issues but on every occasion I was quickly able to be connected through live chat to a member of staff who resolved the problem for me. I think the interface is super user-friendly and it really makes saving more of a fun achievement than a chore. Having the quarterly interest payments incentivised me not to withdraw money on a whim, like I have done with other savings accounts. Also, there have been occasions where chip have messed up but everytime the problems have been resolves quickly, efficiently and professionally.

This review probably sounds like I've been paid to write it or that i'm a member of staff (that's what I normally expect from a great review) but I honestly just love this saving app.

Thanks a lot and if you haven't got it yet, get on it!

Developer Response ,

Hey there,

Thank you so much for your lovely comment! We're delighted that you're enjoying using the app, and have managed to save up for your dream holiday! Please let us know if there's anything else that we can do to make your user experience even better :)



Misstah ,

Works brilliantly at saving for you

I’ve used this app for quite a few months now and wanted to see how well it works before I posted a review. I have very little income as I only work part time and I really didn’t think it would be possible to save anything as I’m barely left with £10 at the end of the month. I’ve managed to save £80 not including a couple of withdrawals I’ve done. It may not seem a lot but every penny counts. It hasn’t messed any bills up yet that are on direct debit as it knows what’s to be paid and when by giving the app access to see your account and it sets up a direct debit to withdraw money into your chip account. I have withdrawn money from chip before and it was quick and easy. It really couldn’t be any simpler and hassle free. I would definitely recommend it even if you're only income is benefits as you maybe able to put aside a couple of quid here and there. As it’s not a part of my normal banks online banking I’m a lot less likely to withdraw because I don’t see the money sitting there!

Developer Response ,

Thank you for your review! Keep on Chippin' :)

Kind regards,


ffspeople ,

Not everything gets better with age

Been with you since the beginning pretty much and although I am REALLY poor, I was impressed that you managed to sneak money away from me and I could actually save... very cool! BUT now, not so good, the bigger and more popular chip has got it seems they have changed the way the program runs too much and bought in changes they thought would be better for the mass... thus no longer being any use for people like me. There is too much lag and they seems to sneak the cash from you now in more noticeable times which is not very good as monitoring my account is pretty easy. There is spending for a day or 2 when money goes in and then it’s all gone. So when take the money from my account days after money going in, it might only be a couple of pounds which doesn’t seem like much to some. Some of us however rely on that to buy a loaf of bread or a meal for the kids... yeah, it’s that bad, but in the beginning this app was advertised as being aimed at people like me. I’m sad to say it no longer works like it did if you really are in poverty. I link the app makers are more interested in more downloads then the customer base they first aimed at. Such a shame as I told everyone in the early days how wonderful this app was, now I swear every time it touches my pennies. 😏

App Privacy

The developer, Chip Financial Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Contacts
  • User Content

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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