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Comparison

Chip vs Plum

Chip

getchip.uk

Depends
Confidence: Medium

Buy if you're a UK saver wanting automated deposits, decent instant-access rates, and simple 0%-fee investing in one app.

Read the full report

Pick Chip when

  • UK savers automating set-and-forget deposits
  • First-time investors wanting 0% platform fees
  • Bonus hunters willing to park cash 30-90 days
  • People consolidating save-and-invest in one app

When Chip is not a fit

  • Non-UK residents . this is a UK-only product
  • Anyone needing a current account or everyday banking
  • Serious investors wanting wide fund choice and advanced tools
  • People allergic to referral-driven promo marketing

Sources

  1. Chip Reviews | Trustpilottrustpilot.com
    review
  2. Chip: Save And Invest All In One Placegetchip.uk
    official
  3. Pricing and Feesgetchip.uk
    official
  4. Invest with 0% platform fees | ChipXgetchip.uk
    official
  5. Product security pagegetchip.uk
    security
  6. Chip Financial Ltd . Open Banking regulated providersopenbanking.org.uk
    official
  7. Chip has increased instant saver accounts to 3.82%reddit.com
    review
  8. Chip £50 for depositing £1000 for 90 daysreddit.com
    review
  9. Chip Review: Great rates on savingsinvestinginsiders.co.uk
    review
  10. Chip Review UK . Should You Use It in 2026?moneyzine.com
    review
  11. Chip raised investment . September 2025 (Crowdcube)crowdcube.com
    news
  12. Own a piece of Chip | Channel 4 Ventureslinkedin.com
    news