Join the club.

Chip is more than just a wealth building machine. A Chip membership means you’ll always be able to invest effortlessly - no forms, no fuss.

Basic plan
What you get with a FREE standard Chip membership:
FSCS-eligible savings accounts
Deposit between £1 and £85,000 in any of our savings accounts.
Amazing rates brought to you
We’re always negotiating with banks to bring you even better rates.
Interest paid every single day
It compounds too!
Withdraw any time
Our Easy-Access accounts have unlimited penalty-free withdrawals.
Automatically build your savings
Our award-winning auto-saving technology can put aside money for you. The average Chip user saved an extra £3,000 in 2021.
Savings goals
Keep track and stay motivated as you build your savings.
Put your money to work with investments (GIA only)
Open a General Investment Account (GIA) and start seeking inflation busting returns. An annual platform fee of 0.5% (min. £1 per month) applies on invested money.
Basic investment funds
Highly diversified funds from the biggest asset manager in the world, BlackRock, as well as well-known index funds (FTSE 100 and S&P 500 Tech Fund). Fund manager charges apply (see these in app).
Get started
ChipX plan
What you get with a ChipX membership:
Everything from the basic plan
All our investment funds
Our full range of investment funds managed by some of the biggest names in the business.
Stocks & Shares ISA
Tax-efficient returns from your investments (tax treatment depends on individual circumstances).
Ethical  and Clean Energy funds
Put your money to work and save the world.
Emerging Markets fund
Invest in companies in some of the fastest developing nations in the world.
Innovative new funds
We’re adding new investment funds and products to Chip all the time. Like our new Crypto Companies fund.
Lower investment platform fee
There’s just a 0.25% annual platform fee for investing. One of the lowest in our industry.
Access to all our Alternative Assets
Invest in real rare and unique objects, like cars, whisky, watches, wine and art (transaction fees may apply).
Get started

Frequently asked questions

What is the monthly cost of your app?

The standard Chip plan has no monthly cost, or subscription fees. ChipX is £3 every 28 days.

Is Chip free?

Yes! The standard Chip plan has no monthly cost. Just note additional fees apply if you choose to invest.

What’s the total cost of using Chip investments?

These vary depending on your plan.

Fees you will need to pay to invest with a free Chip membership:
• 0.5% annual platform fee, collected monthly (£1 minimum monthly fee).

Fees you will need to pay to invest on the ChipX plan:
• 0.25% annual platform fee, collected monthly (no minimum monthly fee).

We reserve the right to amend these fees with two months’ notice.

Please note additional fund management charges apply. These are charged directly by BlackRock and other fund managers (see About BlackRock) and you can find the charges in-app when you open a fund, and on the funds’ Key Investor Information Documents.

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 from ChipX, you will stay on the ChipX plan until the end of your 28 day window.

In essence, you always get your money’s worth; if you paid £3 on the 3rd of the month, you’d stay on the plan until the 30th.

How/when am I charged the subscription fee for ChipX?

You will be charged on the first day you upgrade to ChipX, then in 28 day cycles starting from that day.

What's the Investment Platform fee?

The platform fee is what you pay to Chip so we can bring investment funds to you in an accessible and easy to manage account.

Platform fees are a standard charge across the industry, and all retail investment platforms and banks will have them. They take the form of an annual percentage on the value of your investments including any growth, but are charged on a monthly basis.

It’s called a platform fee because it’s what we charge to use our ‘platform’. Provided your balance in any investment fund is above £0.50, we will charge a platform fee (unless you're on ChipX where there's no minimum fee: see below).

You will be able to see when a platform fee has been taken in your contract notes, and will have full visibility on the amount paid in your Quarterly Valuation Report.

You can read more about the costs of our Investment Platform here.

How do I switch between plans?

You can upgrade to a ChipX membership whenever you like, you’ll find a few prompts around the app, or you can head to your ‘Profile’ tab, and select your plan.

Full access to our investment platform comes with ChipX membership. While you can access our investment platform with a standard Chip membership, you’re limited to five funds.

You can also downgrade whenever you like, but you’ll need to make sure you have a £0 balance in your Stocks & Shares ISA (including all ChipX exclusive funds) before you can downgrade.