Side by side
Moneyfarm vs Plum vs Chip
Choose up to four firms. We compare what matters when things go wrong: licences, compensation, legal protections, track record, then platforms and products.
| Firm | Moneyfarm | Plum | Chip |
|---|---|---|---|
| Protection Score | 66 | 66 | 62 |
| Licence status | EU/EEA licence | EU/EEA licence | UK licence |
| European licences | FCA CONSOB | FCA CySEC | FCA |
| Other licences | |||
| Compensation via EU/UK/CH entity | FCA: Up to £85,000 per person per firm for investments CONSOB: Up to €20,000 per investor | FCA: Up to £85,000 per person per firm for investments CySEC: 90% of the covered claim, capped at €20,000 per investor | FCA: Up to £85,000 per person per firm for investments |
| Negative balance protection (retail) | Yes, by law via EU/UK entity | Yes, by law via EU/UK entity | Yes, by law via EU/UK entity |
| Headquarters |  United Kingdom | United Kingdom | United Kingdom |
| Founded | 2011 | 2016 | 2016 |
| Type | Robo-advisers & fund platforms | Robo-advisers & fund platforms | Robo-advisers & fund platforms |
| Listed / bank | — | — | — |
| Platforms | Own platform | Own platform | Own platform |
| Products | ETFs, Funds | Funds, Stocks, Cash / savings | Funds, Cash / savings |
| Features | Savings plans | Savings plans | Savings plans |
| Full profile | Full profile | Full profile |
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