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 £5,000 in an eligible account for 90 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 £5,000 or more into an eligible account, and hold it for 90 days to receive a £50 referral boost.
Requirement: £5,000+ deposit held in an eligible account for 90 days
Medium10-15 minutesPayout After holding the qualifying deposit for 90 days
Verified 26 June 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 capital-heavy. It is a good offer only if you already have £5,000 that you are happy to place in an eligible account for 90 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 bonus | £10 reward |
| Quick answer | Use code CHIP-XWW289 for the Chip offer. New eligible customers can get £50 bonus after meeting the requirement: £5,000+ deposit held in an eligible account for 90 days. Last verified 2026-06-26. | Use code pe7CL0XSj7 for the Plum offer. New eligible customers can get £10 reward after meeting the requirement: Current route tracked as £10 saved or invested. Last verified 2026-06-26. |
| Best for | People already holding larger cash balances | Testing automatic saving with lower friction |
| Bonus trigger | Deposit £5,000+ into an eligible account and hold for 90 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.