Chip – Savings and Investments

User Experience Report

Report Date

This is sample report built by Anecdote, using AI to analyze feedback from platforms like the App Store and Reddit.

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All Insights

TOP INSIGHTS

A weekly roundup of Chip – Savings and Investments's key feedback

Account Access Issues

A significant number of users, approximately 15%, report difficulties accessing their accounts due to login issues or app verification problems. This is causing frustration and leading some users to consider closing their accounts.

I have had login issues and been unable to access my account, which is incredibly frustrating.

ISA Transfer Limitations

Around 10% of users are frustrated by the app's inability to support ISA transfers from all providers, which they only discover after opening an account. This lack of transparency is misleading and time-consuming for users.

Signed up to transfer another ISA but found out they don’t support transfers from every provider after my account was open.

Customer Service Challenges

Approximately 12% of users experience poor customer service, often due to AI-generated responses that fail to address their issues effectively, leading to unresolved problems and dissatisfaction.

Can't get in touch with anyone; all AI-generated nonsense on the chat.

Promotional Code Confusion

About 8% of users find the promotional code system confusing and difficult to navigate, resulting in missed opportunities for higher interest rates and a lack of clarity on how to apply these codes.

Hard to understand the promotional code system and can’t find my account number and sort code.

COMPETITORS ANALYSIS

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#1 USERS CHOICE

Chip – Savings and Investments

Chip receives mixed feedback. Users praise its ease of use, competitive interest rates, and effective savings automation. However, some users report issues with customer service, app functionality, and account access.

#2 RUNNER UP

Plum

Plum is appreciated for its ease of use and effective savings features, with many users reporting significant savings. However, there are numerous complaints about app reliability, customer service, and difficulties accessing funds.

#3 Straggler

Moneybox

Moneybox is favored for its user-friendly interface and diverse investment options, helping users build savings effectively. Nonetheless, users express frustration with excessive promotional content, slow processing times, and customer service challenges.

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Nuggets

Major Highlights of the Week

ISA Transfer Limitations

Users are frustrated by the inability to transfer ISAs from certain providers, which is not clearly communicated before account setup, leading to wasted efforts and potential financial inconvenience.

Signed up specifically to transfer another ISA but only found out that they don’t support transfers from every provider AFTER my account was open and I had contributed other funds to it.

Promotional Code Confusion

The app's promotional code system is unclear, with users unable to find or apply codes after initial setup, causing dissatisfaction and missed opportunities for higher interest rates.

Gives you codes to get a higher interest rate during the set up but doesn’t actually auto apply these for you, and unless you wrote them down you have no way of seeing what they are again to apply them.

Frequent login problems and account access issues are causing significant frustration, with users unable to access their accounts reliably, undermining trust in the app's functionality.

AI Chatbot Limitations

The AI-generated chat responses are perceived as inadequate, leaving users unable to resolve issues effectively and feeling unsupported by customer service.

Can’t get in touch with anyone. All AI generated nonsense on the chat. AVOID AT ALL COSTS.

Security Concerns

Users are concerned about the app's security measures, particularly the lack of a password option, which they feel leaves their accounts vulnerable to unauthorized access.

This app doesn’t let you make a password for the account meaning you are exposed to any hacks, you only get a 5 digit pin which can be easily brute forced.

Verification Delays

Prolonged verification processes are causing user frustration, with some accounts stuck in verification for extended periods, leading to a poor onboarding experience.

Installed, gave it all my details but 24hrs later it just says verifying details still. Reinstalled and its the same, a bit pointless.

Nuggets

Major Highlights of the Week

Everything you need to know about user experience

ISA Transfer Limitations

Users are frustrated by the inability to transfer ISAs from certain providers, which is not clearly communicated before account setup, leading to wasted efforts and potential financial inconvenience.

Promotional Code Confusion

The app's promotional code system is unclear, with users unable to find or apply codes after initial setup, causing dissatisfaction and missed opportunities for higher interest rates.

Frequent login problems and account access issues are causing significant frustration, with users unable to access their accounts reliably, undermining trust in the app's functionality.

AI Chatbot Limitations

The AI-generated chat responses are perceived as inadequate, leaving users unable to resolve issues effectively and feeling unsupported by customer service.

Security Concerns

Users are concerned about the app's security measures, particularly the lack of a password option, which they feel leaves their accounts vulnerable to unauthorized access.

Verification Delays

Prolonged verification processes are causing user frustration, with some accounts stuck in verification for extended periods, leading to a poor onboarding experience.

Quotes of the week

Hear from some of the most impactful users to drive changes

I’ve used Chip for a couple of years now purely for saving which I’ve been really happy with. Simple to set up and to deposit money (and withdraw when needed!). I like the AI savings feature and it’s good that recurring deposits are now free. I’d like to see a way of the app splitting the AI savings over a number of different accounts rather than just depositing it into one account.

Eley117

Week of July 18th, 2025

Signed up specifically to transfer another ISA but only found out that they don’t support transfers from every provider AFTER my account was open and I had contributed other funds to it. Really misleading.

Coins or Notes

Week of July 18th, 2025

I very rarely leave reviews of apps, but this app is probably one of the most used consistently on my phone. I’ve had Chip for several years now, stuck with them through their development / product changes / product launches etc. I can honestly say this is one of the best apps out there. Not only does it encourage people to save who otherwise might not, it has a competitive rate of interest and more recently there have been some great stocks and shares funds added.

KirstieeeeLou

Week of July 18th, 2025

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The quotes of the week

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User Experience Report

Report Date

Chip – Savings and Investments

Top Insights This Week

Account Access Issues

ISA Transfer Limitations

Customer Service Challenges

Promotional Code Confusion

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Major Highlights of the Week

Major Highlights of the Week

Hear from some of the most impactful users to drive changes

Start your 14-day free trial today

The quotes of the week

Discover Anecdote’s all-in-one customer experience platform

Search through all your feedback, instantly

Use AI to automate and prioritize your feedback analysis

Send surveys and analyze them with AI

Segment feedback from your company in charts and summaries

Benchmark your company's feedback against your competitors

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