Chip is a UK savings and investment app that uses AI to automatically set aside money based on your spending patterns.
Chip commands strong customer confidence with a 4.6/5 rating across 51,426 reviews, holding steady recently. The NeoBase sentiment index sits at 90.4/100 (-0.1), reflecting sustained positive perception. Media coverage leans toward AI capability and market expansion - particularly wealth-management targeting and mutual-fund distribution gains - though broader fintech and chipmaking headlines dilute focused brand visibility.
Sentiment index
our score Β· updated every monthRatings across platforms
β 4.6 Β· 51K Β· 3Where Chip operates
1 marketsRating distribution
All platformsRating & review volume over time
Brand sentiment trend
positive sentiment, by platformApp screenshots
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In the media
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www.thetimes.com Β· 2mo ago
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Scripbox purchases Bluechip Capital's mutual fund distribution business
www.fintechfutures.com Β· 5mo ago
Scripbox, an Indian wealth management firm, has acquired Bluechip Capital's mutual fund distribution business. The financial terms of the...
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www.bloomberg.com Β· 5mo ago
The artificial intelligence boom has triggered an insatiable demand for computing power, with companies such as Amazon.com Inc.,...
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mentions on X, Reddit & FacebookAbout Chip
Founded in 2017, Chip uses AI to analyse your spending and automatically save small amounts you won't miss. It also offers savings accounts with competitive interest rates and an investment platform. Over 600,000 users in the UK.
Frequently asked questions
How does Chip's AI savings work?
Chip's AI analyses your income, spending patterns and account balance to automatically calculate and move affordable amounts into your savings account at regular intervals. You set the savings style (from cautious to ambitious) and the AI does the rest β no manual transfers needed.
What interest rates does Chip offer?
Chip offers competitive interest rates on its savings accounts β rates vary and are updated regularly. Check the current rates at chipsaving.com. Chip partners with FSCS-protected banks to hold customer savings, providing deposit protection up to Β£85,000.
Is Chip available outside the UK?
Chip currently operates primarily in the UK. The app requires a UK bank account to connect and analyse your spending. There are limited plans for EU expansion at this stage.
Is my money safe with Chip?
Yes. Chip holds customer savings in partner banks that are FSCS-protected up to Β£85,000. Chip itself is regulated by the FCA as an Appointed Representative. The AI transfers are initiated as standard bank transfers β your funds remain in your name at the partner bank.
What investment options does Chip offer?
Beyond savings accounts, Chip offers investment accounts (ISA and General Investment Account) with a range of funds including equity, bond and mixed-asset portfolios. Investments are not FSCS-protected in the same way as savings β capital is at risk.
Compare Chip with similar neobanks
Ratings & sentiment aggregated from Trustpilot, Google Play and App Store - anonymised store metrics only, no individual reviews.
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