As one of Europe’s most crowdfunded businesses, we have 28,000 people (largely Chip customers) who shape what we build and the direction of the business. 

This customer focused community has been our secret to success and played a huge role in our growth so far, seeing us named in 2025 as the 6th fastest growing company in the UK by the Sunday Times and the 12th fastest growing in Europe by the FT.

In this spirit, I want to share the key themes from the discussion with all Chip customers, to give you all a view on what’s coming in the next year and a chance to share your thoughts on it. 

We’ve also pulled together a quick visualisation to give you a glimpse of what all this will look like.

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We want to use AI to bring personalised planning and financial advice to Chip.

The growth of AI in the last two years has opened up an incredible opportunity for Chip to explore building a truly personalised advice and planning service for our customers.

Imagine instead of having to learn your way around the intricacies of personal finance, you could start with a conversation about you. 

Discuss your goals and ambitions — where you are now and where you want to get to.

Chip’s AI could then build a personalised plan based on this conversation, suggesting which savings and investments accounts to open, how much to put into a pension vs an ISA, what short and long term goals to set, and recommend an automated plan to effortlessly top up your savings. 

You would be able to review the suggestions, easily tweak them to fit your needs in an open discussion and when you’re happy, you simply say “make it so” and Chip’s AI could crack on with the leg work; opening the accounts, initiating deposits, transfers and all the boring admin work done for you. 

But you’d still have easy oversight of everything in your app, with simple graphs and portfolio views to track your progress against your goals. 

 You’d be able to pre-program nudges for yourself and book in regular reviews, and at any time simply discuss with the AI to update the plan for you if your ambitions grow or circumstances change.

While we might be some way off replacing the human touch from an expert wealth advisor at this early stage, we do think there's a lot that can be automated via AI to open up the benefits of financial advice to everyone.

In addition to building the technology, we are exploring the correct permissions and regulated set-up to offer more planning and advice. This is an industry that is very strictly regulated and as you can imagine, there are no shortcuts to getting a fully functioning AI advice service live. 

However, the regulator is also increasingly recognising the potential of tech to offer a better outcome to consumers and the FCA has announced reforms to help close the “advice gap”.

In their own words: 

“These once-in-a-generation reforms will help people navigate their financial lives and give them greater confidence to invest … There are about 7 million adults in the UK with £10,000 or more in cash savings who may be missing out on the benefits of investing throughout their lives.”

So, we hope these changes could open a quicker path for us to bring you a more personalised service within the next year.

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The first step towards more personalisation

Our first step towards offering more personalisation has been rebuilding our Goals feature from the ground up. 

Those of you who have been with us for a while will know that we’ve always offered Goals as a feature to help keep our customers focused on achieving their long term ambitions.

I’m delighted to announce that Goals will very soon fully integrate with all the accounts in Chip and offer a seamless easy experience.

We’ll continue to enhance our Goals feature over the next year, with the intention to eventually tie it into our new AI planning service.

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Coming early next year

To be able to offer you a true wealth management experience, we know we need to offer you pensions. 

Self-Invested Personal Pensions, commonly abbreviated to SIPPs, offer powerful tax benefits to people saving for their retirement. 

This is the last financial product type missing from our fundamental offering. So, I’m delighted to say this is currently under development and should be ready to launch in the first half of 2026.

In the long term we want to offer the ability to transfer your existing pensions into Chip, so you'll have one easy view of all your wealth.

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All of your ISAs in one place

There have of course been some rumblings from the government about changing cash ISA limits, but they remain one of the most popular tools available to UK savers and our cash ISA is certainly one of the most popular products at Chip.

Whatever happens, we believe that ISAs will remain the cornerstone of the savings and investments accounts we offer. 

First, we are going to create a seamless experience between your Chip Cash and Stocks & Shares ISAs.

We want to give you one clear view on your tax allowance across both these accounts, so you can easily see how you are diversifying your portfolio and if you’re taking full advantage of your annual ISA allowance.

Then, we’ll look at adding LISAs and JISAs too, so you can enjoy more ways to tax-efficiently build wealth.

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We're here to make you wealthier. Your way.

Our mission remains the same. We want to make our customers' lives wealthier.

We’ve spent much of the last eight years putting as many tools, products and accounts in the palm of your hands as possible. So you can literally build your wealth at the tap of a button.

But now, we’re presented with a game changing moment to tie it all together with a personalised user experience powered by AI.

Essentially, you’ll have everything you need to build and grow your wealth in a couple of taps across cash, investments, pensions (and eventually even more). 

But also, you’ll have a guide that listens to what you want, asks about your goals, and builds a plan around your needs that is personal to you. 

I know you’re going to love it and I can’t wait to share it with you.  

Again, if you'd like to take a sneak peek at what the future holds, see our webpage for a preview.