Plum vs Chip

Plum9.4Visit Chip9.1Visit

Higher score Plum #1 in Automated Savings Apps 9.4/10 Free plan · 30-day trial Free planFree trial✓ 4 of 4 features Visit Plum

vs

Chip #2 in Automated Savings Apps 9.1/10 Free plan · 28-day trial Free planFree trial✓ 2 of 4 features Visit Chip

• Plum fits best

  Broad automated saving and investing

• Chip fits best

  AI-powered autosaving with flexible withdrawals

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Side by side

Feature	Plum 9.4/10 Visit ↗	Chip 9.1/10 Visit ↗
At a glance
Editor score	9.4	9.1
Ranking	#1 in Automated Savings Apps	#2 in Automated Savings Apps
Best for	Broad automated saving and investing	AI-powered autosaving with flexible withdrawals
Pricing model	Free plan + paid	Free plan + paid
Starting price	£3.99/mo	£65.05/yr
Free plan	✓	✓
Free trial	30 days	28 days
Free trial length	30 days	28 days
Deployment	Cloud, Mobile	Mobile
Platforms	iOS, Android	iOS, Android
Support	Email, Live chat, Docs	Email, Live chat, Docs
Built for	Solo, Small business	Solo, Small business
Features Plum 4/4 · Chip 2/4
Card roundups	✓ (best)	Not checked yet
Scheduled transfers	✓	✓
Custom savings rules	✓ (best)	Not checked yet
Interest on savings	✓	✓
Specs
Savings goal limit	Not checked yet	Not checked yet
Withdrawal method	Instant	Instant
Supported platforms	Not checked yet	Not checked yet
Our review
Pros	Automatic deposits, round-ups and scheduled saving rules Interest-bearing Pockets, Cash ISA and money-market products iOS and Android apps with instant withdrawals available	AI autosaves analyse income and spending patterns Savings Plans support recurring deposits and custom goals Instant or near-instant withdrawals across savings options
Cons	Many advanced features require a paid subscription Basic includes only one interest-bearing Pocket Pricing and features vary by region and savings product	Basic charges 45p for each autosave Available only to UK residents aged 18 and over Mobile app only, with no web banking interface
Our verdict	Plum is a personal finance app for people who want to automate saving, investing and budgeting. It connects to a bank account, analyzes financial activity and can make automatic deposits, round-ups and scheduled transfers. Users can… Read the review →	Chip is a UK-focused mobile wealth app for saving, investing and pension management. It is designed for UK residents aged 18 and over who want automated saving alongside savings accounts, investment funds and defined financial goals. The… Read the review →

Strengths and trade-offs

• Plum — where it wins

  • Automatic deposits, round-ups and scheduled saving rules
  • Interest-bearing Pockets, Cash ISA and money-market products
  • iOS and Android apps with instant withdrawals available

  Where it doesn't

  • Many advanced features require a paid subscription
  • Basic includes only one interest-bearing Pocket
  • Pricing and features vary by region and savings product

• Chip — where it wins

  • AI autosaves analyse income and spending patterns
  • Savings Plans support recurring deposits and custom goals
  • Instant or near-instant withdrawals across savings options

  Where it doesn't

  • Basic charges 45p for each autosave
  • Available only to UK residents aged 18 and over
  • Mobile app only, with no web banking interface

• Plum9.4/10 · Free plan · 30-day trial

  A broad savings and investing app with free automation and tiered upgrades.

  Visit PlumFull verdict →
• Chip9.1/10 · Free plan · 28-day trial

  A flexible UK savings app with AI autosaves, goals, investments and quick withdrawals.

  Visit ChipFull verdict →