Chip reviews: what App Store users complain about
We classified the 500 most recent App Store reviews of Chip – Savings and Investments (by Chip Financial Ltd) from 1 storefronts, dated 21 February 2023 to 22 October 2026. Average rating in this sample: 2.84★. All-time rating in the UK App Store: 4.7★ from 39k ratings. 265 reviews (53%) contained a complaint; the biggest theme was bugs (70% of complaining reviews).
Star ratings in this sample
| Stars | Reviews | Share |
|---|---|---|
| 5★ | 181 | 36% |
| 4★ | 28 | 6% |
| 3★ | 42 | 8% |
| 2★ | 29 | 6% |
| 1★ | 220 | 44% |
Complaint themes
| Theme | Reviews | Share of complaints | Avg severity (0–3) |
|---|---|---|---|
| Bugs | 186 | 70% | 2.5 |
| Feature requests | 84 | 32% | 2.2 |
| UX / design | 62 | 23% | 2.3 |
| Crashes / freezes | 54 | 20% | 2.8 |
| Performance | 43 | 16% | 2.5 |
| Pricing / subscription | 41 | 15% | 2.4 |
| Ads | 6 | 2% | 2.5 |
A review can count in several themes, so shares add up to more than 100%.
Top issues, ranked by reviews × severity
- Fix login / account access: 88 complaining reviews, avg severity 2.6/3. What to do: Audit the sign-in flow (SSO, password reset, verification emails) on the latest version; add clear error messages.
“I downloaded the app months ago, and after deleting it and reinstalling I’m still stuck on the log in page. I cannot create an account and I’m just stuck on an endless cycle of checking in and signing up. I provide my details and emails, the last page I see is…” (1★, v4.102.0, 2025-02-11, GB) - Answer support requests: 87 complaining reviews, avg severity 2.5/3. What to do: Add an in-app contact option and reply to these App Store reviews; Apple lets developers respond publicly.
“When trying to link my bank account, I only encounter the error, ‘We’re having connectivity issues. Please try again later. If this issue continues, please contact our customer service team for assistance.’ I’ve followed all the suggested troubleshooting steps…” (1★, v4.78.1, 2024-03-11, GB) - Fix crash on launch: 37 complaining reviews, avg severity 2.9/3. What to do: Check crash logs (Xcode Organizer / Crashlytics) for the affected version and device models first.
“App won’t open and crashes immediately” (1★, v4.82.0, 2024-04-25, GB) - Fix in-use crashes and freezes: 28 complaining reviews, avg severity 2.8/3. What to do: Match quoted actions to crash reports; ship a hotfix for the top stack trace.
“I can’t access my money because the app keeps crashing - this needs to be fixed ASAP as I’m really worried.” (1★, v4.82.1, 2024-04-28, GB) - Simplify navigation: 30 complaining reviews, avg severity 2.2/3. What to do: Run a quick usability test on the screens users mention; remove extra taps and pop-ups.
“The app is incredibly poor. Not intuitive to navigate. For example, the ISA transfer button is hidden and when you eventually find it and start the transfer process you’re presented with an incomplete list of providers from which they accept transfers. If you…” (1★, v4.105.0, 2025-03-18, GB)
Rating by app version
| Version | Reviews | Avg stars | Share with a complaint |
|---|---|---|---|
| 5.21.0 | 5 | 2.0 | 80% |
Versions with fewer than 5 reviews in the sample are left out.
Is Chip your app?
The full report reads up to ~300 of the latest public App Store reviews, classifies them into 7 themes and 18 specific issues, and ranks the 10 fixes that would move your rating most. PDF by email within 24–48 h.
Full App Store report €49 €19 Free check
Launch prices until 30 Nov 2026 or the first 20 orders (then €49).
Method and limits
Reviews were collected once from Apple's public customer-reviews feed (most recent first, 1 storefronts merged, up to 500 reviews), then each review was classified by an AI model into 7 themes and 18 specific issues with a severity of 0–3; individual labels can be wrong, so check the quotes. This is a snapshot of recent reviews, not the app's full history. Generated 24 October 2026. Not affiliated with Chip Financial Ltd or Apple.
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FAQ
What do users complain about most in Chip?
In the 500 most recent App Store reviews (2023-02-21 to 2026-10-22), the most common complaint theme was bugs (70% of complaining reviews), and the top specific issue was “fix login / account access” (88 reviews).
How many Chip App Store reviews are negative?
265 of 500 recent reviews (53%) contained a complaint. Average rating in this sample: 2.84★.