Our price plans

It’s free to get started with Chip.

The first £100 you auto-save with Chip’s AI is a free trial. After your trial ends there are two plans you can choose between.

Our most popular plan, ChipAI, offers full access to everything that Chip does best. Or if you want to downgrade, ChipLite cuts back on the best of Chip, but still gives access to some useful features to help you grow your money. You can upgrade or downgrade your plan whenever you like.


£0.00 / 28 days

The limited plan that misses out on Chip's award winning AI and autosaving.

Auto-saves disabled

Earn 1.25% bonus in the Chip+1 account on funds up to £2,000 (subject to eligibility)

Deposit into market leading, FSCS eligible Interest Accounts

Unlimited manual deposits

Coming Soon

Access to investment funds


£1.50 / 28 days

Full membership to Chip. Enjoy unlimited autosaves, smart saving rules and access to new features.

Unlimited use of our automatic savings AI

Exclusive saving rules

Earn 1.25% bonus in the Chip+1 account on funds up to £5,000 (subject to eligibility)

Deposit into market leading, FSCS eligible Interest Accounts

Unlimited manual deposits

Set up saving rules such as Pay Day Put Away

Coming Soon

Access to investment funds 

*Autosave £100 for free then £1.50 per 28 days period.

Why we charge a fee

Chip is bringing wealth management to the masses. We use technology to give your money the millionaire treatment.

Having an expert take care of your savings used to be an exclusive service for the very wealthy, with a matching price tag.

Chip’s AI analyses your finances, decides how much you can save, and saves that money for you. 
We don’t provide this service for free, but it is very accessible.

If you want to use our AI saving service, we charge a small fixed fee. No commissions, no creeping percentage charges, just a simple fair subscription charge.

FAQs about fees

We guess you'll probably want to know about the below. If you have more questions, read our full FAQs here.

How does the free trial work?

You can save up to £100 using our award winning AI for free.

After you have auto-saved £100 you will automatically be enrolled onto the ChipAI plan, but you can downgrade at any time. 

You can find a countdown in your app for how much more you can save on your free trial. When you finish your free trial this counter disappears. 

How do I upgrade/downgrade?

You can downgrade, or upgrade your plan at any time.

Simply head to your profile tab, tap on ‘Your plan’, then ‘View plans’ and choose which plan you want to be on.

If you choose to downgrade to ChipLite, you will stay on the ChipAI plan until the end of your 28 day window. In essence, you always get your money’s worth; if you paid £1.50 on the 3rd of the month, you’d stay on the plan until the 30th. 

How/when am I charged?

You will be charged on the first day after your free trial expires, and then in 28 day cycles starting from that day.

You can find a full record of your payments under ‘Your plan’ in your app’s profile tab.

What the fee pays for

Building and designing Chip’s AI

Artificial Intelligence is not quite brain surgery, but it’s pretty complex. Our team of highly skilled data scientists and engineers work constantly to build and improve the saving AI for you.

Customer Support

Our customer support team is on hand 7 days a week to help with any issues with our saving service.


There are a lot of operational processes behind the scene that need to be looked after to ensure the AI saving service keeps working smoothly. 


It’s vital to keep our savers’ data and money completely safe. So we have a team of engineers and sophisticated security architecture which is constantly being improved.

Open Banking data services

Our AI is powered by Open Banking data, we use third party infrastructure to securely relay this data into Chip’s saving AI.

Our costs:

Here's what your fee goes towards.