Chip vs Plum Referral Offers
Chip has the larger headline reward but requires a much larger deposit held for longer. Plum is smaller, lighter and better suited to people testing automatic saving.
Quick verdict
Chip is only attractive if you can comfortably hold £1,000 in an eligible account for 90 consecutive calendar days. Plum is the lower-friction pick if you mainly want to try a savings app.
Provider
Chip
Join Chip with code CHIP-XWW289, deposit at least £1,000 into eligible Chip savings and/or investment accounts, and maintain at least £1,000 for 90 consecutive calendar days to receive a £50 referral boost (both sides can earn £50).
Requirement: £1,000 minimum balance held in eligible Chip accounts for at least 90 consecutive calendar days
Medium10-15 minutesPayout After holding at least £1,000 for 90 consecutive calendar days
Verified 16 September 2026
Provider
Plum
Join Plum through this referral link and complete the current qualifying action for the £10 referral reward. Plum is a money app for automatic saving, interest-bearing accounts, and investing features.
Requirement: Current route tracked as £10 saved or invested
Easy5-10 minutesPayout After qualifying deposit
Verified 26 June 2026 · Ends 30 June 2026
Related reviews
Chip
Chip £50 Referral Review
Chip's £50 referral is clean but still capital-heavy. It is a good offer only if you already have £1,000 that you are happy to place in an eligible account for 90 consecutive calendar days and the account terms suit you without the bonus.
Plum
Plum Referral Review UK
Plum is a small but practical referral if you actually want the app's saving tools. The £10 reward is not worth changing your financial setup for, but it is a reasonable extra for someone who can save or invest the qualifying amount anyway.
Side-by-side
| Factor | Chip | Plum |
|---|---|---|
| Reward | £50 | £10 |
| Quick answer | Use code CHIP-XWW289 for the Chip offer. New eligible customers can get £50 after meeting the requirement: £1,000 minimum balance held in eligible Chip accounts for at least 90 consecutive calendar days. Last verified 2026-09-16. | Use code pe7CL0XSj7 for the Plum offer. New eligible customers can get £10 after meeting the requirement: Current route tracked as £10 saved or invested. Last verified 2026-06-26. |
| Best for | People already holding spare cash they can lock for 90 days | Testing automatic saving with lower friction |
| Bonus trigger | Deposit £1,000+ into eligible Chip accounts and hold for 90 consecutive calendar days | Use the referral route and complete Plum's current qualifying action |
| Main risk | High deposit and 90-day hold period | Reward and qualifying action can change by campaign |
FAQ
- Is Chip or Plum better for a referral bonus?
- Chip pays more but ties up more money. Plum is lower value but easier for most people to test.
- Do I need to invest for either offer?
- Not necessarily. Check the live route. Savings and investment products have different risk and protection rules.