Cryptic crossword clue
Chap with no money having switched sides

The most common and most likely answer to this crossword clue is the 5 letter word BLOKE

I've seen this crossword clue in Independent
B
L
O
K
E

Buddy explains!

The straight part
We know that "Chap" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case chap = bloke.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does BLOKE mean?

BLOKE noun
  1. A man, a fellow; an ordinary man, a man on the street.
  2. A man who behaves in a particularly laddish or overtly heterosexual manner.
  3. (A lower deck term for) the Captain or Executive Officer of a warship, with particular reference to discipline and punishment.
  4. An exemplar of a certain masculine, independent male archetype.
  5. An anglophone man.

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