Membership plans & pricing

Pick the membership plan that’s right for you.

Basic plan
£0.00/28days
Tax wrappers: General Investment Account
Build your long-term wealth, free of charge with competitive rates. Get great savings tools and accounts to help build your wealth, and access to basic investment funds.
2 free withdrawals per month
General Investment Account with a selection of funds
Access to leading saving accounts: Prize Savings Account with (1.5% interest rate*), 90 days’ notice account (2.02% AER*) and Prize Draw Savings Account
FTSE100, S&P 500 and Mixed Investment Funds managed by BlackRock (platform fee of 0.5%)
Automatically build your savings
Savings goals
Put your money to work with investments (GIA only)
Basic investment funds
Get started
ChipX
£4.99/28days
Tax wrappers: Stocks & Shares ISA
One of the most comprehensive wealth management tools on the market. Adds full access to our range of investment funds, with no platform fees, in either a GIA or ISA, as well as exclusive access to our Alternative Assets platform
FSCS-eligible savings accounts
Amazing rates brought to you
Interest paid every single day
Withdraw any time
Automatically build your savings
Savings goals
Put your money to work with investments (GIA only)
Basic investment funds
Get started
Chip Wealth (Coming 2023)
£TBD/28days
Tax wrappers: JISA & SIPP
Build your long-term wealth, at every stage of your life. Access to everything from the previous tiers along with JISAs. We will be looking to add SIPPs, managed portfolios and more in the future.
FSCS-eligible savings accounts
Amazing rates brought to you
Interest paid every single day
Withdraw any time
Automatically build your savings
Basic investment funds
Get started
ChipX plan
£3.00/28days
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
ChipX plan
£4.99/28days
One simple fee. 0% investing platform charges. Unlimited access to all the best of Chip.

Either £4.99 for every 28 days (paid annually at £65.05), or £5.99 if paid in installments every 28 days.
What you get with a ChipX membership:
Everything from the basic plan
0% platform fees*
The lowest in the industry. *Fees charged by the fund managers (e.g. BlackRock or Invesco) still apply.
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.
Unlimited free access to all Savings Plans
Create a bespoke wealth building plan with Recurring Saves to top up your funds and savings accounts, or let AI sort it out for you with our award-winning auto-saving.
Basic free plan
£0.00/28days
Use Chip for free. Deposit into any savings account and earn returns. Get started with investing.

You can still access Chip savings and investment products completely free of charge and simply holding a Chip account will always be free.
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.
Daily interest & returns
Watch your money make money.
Withdraw any time
Our Easy-Access accounts have unlimited penalty-free withdrawals.
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).
Automatically build your savings
Optional extra (charges apply): You can build wealth hands-free with Savings Plans. Either tailor your plan with Recurring Saves (£0.25 per save), or use our award-winning  Auto-Saving tech (£0.45 per save) and let our AI do the heavy lifting.

Frequently asked questions

What is the monthly cost of your app?

The standard Chip plan has no monthly cost, or subscription fees. ChipX is £4.99 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).

There are no fees on the ChipX plan.

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.

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.

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.