Start your investing journey with Chip.

Get started with investing with funds available on our free plan Chip plan. With simple options and low fees - choose from five investment funds designed for long term wealth building in our app.

Get started for free

With investing, your capital is at risk.

Build a diversified portfolio with our range of free to access investment funds.

Choose from a Cautious, Balanced and Adventurous fund, aimed to cater to a range of risk profiles, along with the FTSE 100 and US Tech funds.

Cash ISA

Invest as much as you like with our General Investment Account (GIA). Choose from five investment funds to get you started on your journey. Platform fees and fund manager charges apply.

Instant Access Account

Invest as much as you like with our General Investment Account (GIA). Choose from five investment funds to get you started on your journey. Platform fees and fund manager charges apply.

Cash ISA

Invest as much as you like with our General Investment Account (GIA). Choose from five investment funds to get you started on your journey. Platform fees and fund manager charges apply.

Instant Access Account

Invest as much as you like with our General Investment Account (GIA). Choose from five investment funds to get you started on your journey. Platform fees and fund manager charges apply.

Instant Access Account

Invest as much as you like with our General Investment Account (GIA). Choose from five investment funds to get you started on your journey. Platform fees and fund manager charges apply.

Low cost way to invest.

An efficient low cost way to build a diverse portfolio, without having to buy stocks or bonds individually.

Manage your investments.

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

Open a General Investment Account.

A GIA (short for General Investment Account) is a standard investment account that allows you to invest as much as you like with no limits. You can invest in up to 5 funds with a GIA on our free plan.

Get Started for free

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Investment funds from the experts.

All the investment funds available through Chip are curated by the experts at the world’s largest asset managers like BlackRock and Vanguard, who do all the work for you. Funds are like ready-made diversified portfolios straight off the shelf.

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Low fees with no surprises.

If you’re new to investing, fees can seem complicated but we keep it simple and transparent. There is a flat annual platform fee of 0.50%, collected monthly (£1 minimum).

Each investment fund has something called a fund management charge. This is charged by the fund managers (like BlackRock) to manage your portfolio.

As an example, if you invested £2,000 with a 0.50% platform fee and 0.22% fund management charge you would pay £14.40 a month in fees (if there was no growth or withdrawals).

Getting started

Invest and manage your portfolio in the Chip app.

Manage your investments all in one place, buy, sell, and check your portfolio’s performance on the ‘Invest’ tab of your Chip app. This is updated daily with an easy to understand interface giving you a breakdown on how each fund is performing.

Choose your account

Start for free 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 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.

Want more? Open a Stocks & Shares ISA.

With a Stocks & Shares ISA, 0% platform fees, unlimited use of auto investing tools and access to the full range of investment funds available in app - so you can build wealth the way that works for you. A monthly or annual ChipX membership fee is required. A monthly or annual ChipX membership fee is required and fund management charges apply.

Level up your money

Got a question?

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 funds 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). Chips 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?