Last updated: 10 June 2026
By Stiv · Design, technology and personal finance
This Chip app review UK draws on three and a half years of my personal daily use, starting 3 November 2022, across auto-save, the Instant Access Saver, Prize Savings, ChipX (briefly) and a Chip Stocks and Shares ISA.
This is an opinion piece. Views expressed are the author's own and do not constitute professional advice.
This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.
This article is for informational purposes only and does not constitute financial advice. Some features of Chip involve investing, which carries risk including the possible loss of capital. Savings rates can change. Always do your own research or consult a qualified financial adviser. CoolCuration is not authorised by the Financial Conduct Authority.
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Cool Factor
★★★★☆
4 out of 5 · Stone cold
My Chip app review UK is grounded in the actual ledger: £174.41 in interest earned, £180 in tax-free prize wins, £0.80 in investment returns, and three and a half years of daily use since November 2022. That is the unvarnished record of what I have personally taken out of Chip across four different account types. Below is what I kept, what I binned, what works, and the one quirk that still mildly irritates me.
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