The standard Chip plan has no monthly cost, or subscription fees. ChipX membership plan is either £4.99 every 28 days (paid annually at £65.05), or £5.99 every 28 days (paid monthly). See our Pricing Page for more information.

These vary depending on your plan and the funds that you invest in.

‍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:

‍• There are no platform fees for ChipX. 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.

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

Simply head to your profile tab, tap on ‘Your membership’, 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.

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

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) and make sure any ChipX exclusive funds held in a GIA would need to be sold down before you can downgrade.