Invest in your future.

Make investing part of your plan for long-term wealth building. Get your money working hard for you with Chip.

Get StartedView the funds

4.6 rating  25k reviews

Physical Gold Fund
10.07%
Global Companies Fund
8.41%
Emerging Markets Fund
3.27%
Crypto Companies Fund
10.57%
FTSE 100 Fund
0
S&P 500 Tech Fund
19.53%
Clean Energy Fund
14.01%
Ethical Fund
4.66%
Physical Gold Fund
10.07%
5yr
Global Companies Fund
8.41%
5yr
Emerging Markets Fund
3.27%
5yr
Crypto Companies Fund
10.57%
5yr
FTSE 100 Fund
0
5yr
S&P 500 Tech Fund
19.53%
5yr
Clean Energy Fund
14.01%
5yr
Ethical Fund
4.66%
5yr

Different ways to invest with us.

Begin investing with Chip from two investment accounts.

Free plan

General Investment Account

Invest as much as you like, choose from five investment funds to get you started on your journey. Platform fees and fund manager charges apply.

See our free plan
Tax-free

Stocks & Shares ISA

A popular and tax-efficient way to invest. Pay 0% platform fees* with no tax on any returns you make. Access our full suite of 15 investment funds.

Open a Stocks & Shares ISA
With investment, your capital is at risk. Tax treatment depends on your individual circumstances and may be subject to change in thefuture. Past performance isn’t indicative of current results.

Manage your investments.

Sit back while your investments are managed by the experts at the world’s biggest asset managers.

Simple range of choices.

Choose from up to 15 investment funds built by the world’s biggest fund managers.

It’s free to get started.

Or level up your money with our full range of actively-managed funds on our ChipX plan.

*A monthly or annual ChipX membership fee is required and fund management charges apply.

Our most popular investment funds.

Choose from a curated range of investment funds so you can build your own diverse portfolio the way that works for you, with your financial goals, and risk tolerance in mind.

+6.68%

Clean Energy fund

Invest in big British businesses, like Rolls Royce, Sainsbury’s and Vodafone.

Learn more
+26.31%

S&P 500 Tech

Invest in tech giants from across the USA; Silicon Valley to New York City.

Learn more
+14.57%

Clean Energy

This fund invests in companies that directly produce clean energy.

Learn more
With investment, your capital is at risk. Tax treatment depends on your individual circumstances and may be subject to change in the future. Past performance isn’t indicative of current results. Average annual returns calculated over a 5 year period, see here for full breakdown of each % shown above.

What is an investment account?

An investment account holds your investments funds. At Chip we have two options, a Stocks and Shares ISA and a General Investment Account. Look at these like a box where you can hold different investment funds.

Stocks & Shares ISA

Stocks & Shares Individual Savings Accounts (ISA for short), enable you to seek tax-free returns on your investments. You can put up to £20,000 every tax year into your Stocks & Shares ISA, and any profits you earn will be completely tax-free. The ISA allowance is set by the government each year and may change in the future.

Tax treatment depends on individual circumstances. Chip does not offer tax or financial advice.

General Investment Account (GIA)

General Investment Accounts (GIA) are used if you have more than £20,000 to invest, already have a Stocks & Shares ISA elsewhere, or you've already used your annual
ISA allowance. GIAs allow you to contribute as much as you like in a tax year. The only other difference is that there’s no tax benefit to using a GIA.

Get StartedHow to sign up

What are investment funds?

Funds are like ready-made diversified portfolios created by expert asset managers, such as Blackrock. They can contain multiple assets such as stocks and bonds, which allows you to invest in all of them all at once, at a lower cost than buying them individually.

Get StartedSee our funds

We partner with the world’s biggest fund managers.

At Chip we offer investment funds from the experts at some of the biggest names in investing, who already help millions of investors build their wealth across the globe.

These investment funds are created based on what you want to invest in, such as investing in clean energy or emerging markets.

Vanguard

Established in 1975 and trusted by over 30 million investors.

Blackrock

The world's largest money manager with over $9 trillion in assets.

Invesco

On the ground in 25 local markets across the world.

iShares

A world leader in exchange traded-funds (part of BlackRock).

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How investing with Chip works.

We’ve made it easy to start building wealth with our investment funds. There’s no forms or fuss and you can get started in just a few minutes, download the app via Google Play or App Store.

Choose your account

Start with a GIA or enjoy tax-free returns with a Stocks & Shares ISA on our ChipX membership plan.

Pick your investment fund

You can access five investment funds for free or get access to our full range with a ChipX membership.

Manage your portfolio

Once you’ve deposited into your chosen funds, sit back, relax and let the expert fund managers do the hard work for you.

With investment, your capital is at risk. Tax treatment depends on your individual circumstances and may be subject to change in the future. A monthly or annual ChipX membership fee is required and fund management charges apply.

Opening a Chip account takes just a few minutes. No forms, no fuss.

Get Started
4.6 rating 26k reviews

1. Download Chip

Head to the App Store or Google Play Store.

2. Create an account

Enter a few details and pending a quick check.

3. You're good to go!

Choose from our range of investment funds.

Got a question?

Average annual return shown on this page:
Fund
Annualised Return
Start Date
End Date
£1,048.40
£104.84
£1,000.00
£48.40
£1,048.40
£10,000.00
£484.00
£10,484.00
£85,000.00
£4,114.00
£89,114.00
£250,000.00
£12,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
£262,100.00
What funds and investing accounts can I access on the basic Chip plan?
When investing with Chip on the basic plan, you'll be able to open up a General Investment Account (GIA). Five investment funds are available to invest in via this account. This includes the Cautious, Balanced and Adventurous funds, as well as the FTSE 100 Index fund and the S&P 500 Tech Fund.
What fees will I pay?
If you are on a Chip standard plan, you will pay fund manager charges and a 0.50% platform fee to invest with us. If you are a ChipX member, you won’t pay platform fees - only fund manager charges.
What are fund management charges?
While Chip takes payment for these, these are charged directly by the asset manager (e.g. BlackRock) who manage your investments. They vary from fund to fund, each fund manager fee is clearly displayed on the fund’s page in your app.
What are platform fees?
Platform fees provide you with access to investment funds on your app. You only pay a platform fee on a Chip standard plan. There are no platform fees for ChipX members (only fund management charges). Chip’s platform fee for the standard plan is an annual charge of 0.50%, applied to the value of your investments including growth, charged monthly.

A minimum charge of £1 applies if you have a balance above £1 in any investment fund. You can find information about your platform fees, and how these are charged in your Investment statements’, on your Profile. We reserve the right to amend these fees with two months’ notice.

Still have questions?

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