Chip - Investments and savings 12+

Invest differently‪.‬

Chip Financial Ltd

    • Free

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Chip is the UK’s first app that enables you to invest in unique and rare physical assets, alongside investment funds and cash savings.

We use technology to break down barriers so you can build a truly diverse portfolio, with one simple place to manage your wealth.


With our Alternative Assets platform, you could own a piece of something amazing like a Ferrari, a luxury watch, a whisky barrel, or even a Picasso. We’re building the stock market of everything.

We work with expert partners to carefully curate our selection of Alternative Assets and we’re working on bringing them to you in a seamless in-app experience. Known for their ability to outperform the stock market, Alternative Assets have a demonstrable history of consistently strong returns. Investing in alternatives is a strategy that’s been employed by the ultra-wealthy for years to add diversity to their portfolios and protect their money from inflation and sudden downturns in the market. Now Chip is opening up this market to everyone.


Build a diversified investment portfolio in just a few taps.

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.


An Individual Savings Account (ISA) allows you to invest up to £20,000 every tax year, and any profits you make are protected from tax.

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

So, no matter what your investing preferences, you can seek to build tax-free returns.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), though this comes with no tax benefit.

We haven’t forgotten about cash and have a range of free savings accounts with competitive interest rates through our UK partner banks.


As a Chip user, you can take advantage of our unique Alternative assets offering and a wide range of investment funds. You can also make use of our unique auto-investing tech. With a few taps, you can set up an auto-investing strategy that adds money to your account periodically. So, no matter how busy life gets, you can rest safe in the knowledge that your portfolio is growing all the time.


We provide the highest level of security as standard, offering 256-bit encryption, 3D Secure and the latest Open Banking technology. All new 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 here to help 7 days a week.


Join 500,000 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. Investing in alternative assets involves risks, including illiquidity, lack of dividends and loss of capital, and it should be done only as part of a diversified portfolio. This service does not fall under P1 Investment Management Limited's authorisation by the FCA. Promotion is for pre-marketing purposes only. Service not yet available. Alternative Assets are a High Risk Investment. No FSCS protection. The value of investments can go down as well as up.

What’s New

Version 4.35.0

Chip users can now invest using bank transfer, greatly reducing the time it takes to make a deposit. Building a diverse portfolio just got even easier. We’ve also been hard at work making Chip better behind the scenes, just for you.

Ratings and Reviews

4.5 out of 5
12.6K Ratings

12.6K 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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