Open a Stocks & Shares ISA.
A popular and tax-efficient way to invest. Pay 0% platform fees* with a Chip Stocks & Shares ISA.
Access our full range of funds.
Unlimited use of our award-winning auto-investing.
Funds curated by the world’s largest asset managers.
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Build a diverse portfolio with our range of premium funds.
We’ve curated a selection of investment funds from the experts (like BlackRock) designed to give you a diverse portfolio - without overwhelming you.
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Ethical X fund
This fund aims to make investments that meet Environmental, Social and Governance (ESG) guidelines.
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Crypto Companies fund
This fund invests in over 50 companies involved in the Blockchain and Crypto industry.
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Healthcare Innovations fund
This fund invests in over 200 companies around the worldinvolved in medical research and technology.
Emerging Markets fund
Invest in companies in developing markets and economies around the world.
Global Companies fund
Invest in a wide range of international powerhouses spanning 23 developed countries.
Physical Gold fund
This fund aims to provide the performance of the spot gold price (after fees).
Clean Energy fund
This fund invests in companies that directly produce clean energy or the technology and equipment involved.
Adventurous X
Seek big returns with a fund managed by BlackRock’s experts.
Balanced X
A balance of risk and return all managed by BlackRock experts.
Cautious X
A cautious approach, actively managed by BlackRock’s experts.
What is a Stocks & Shares ISA?
A Stocks and Shares ISA is a type of investment account that allows you to invest up to £20,000 and pay no income tax or capital gains tax on any returns.
Look at the ISA like a box that allows you to put investments of your choice into it. The box is ‘wrapped up’ meaning any investment gains are protected from tax.
A Stocks and Shares ISA offers the possibility of better returns in the long run compared to saving in cash. For those who aren’t looking for instant access to their money and are prepared to keep money invested for a number of years, it could be the right fit.
When it comes to investing your capital is at risk and your investments can go down as well as up in value. Chip does not give financial advice and you should not construe this as a personal recommendation. Always do your own research.
Investing in an ISA can suit your long-term goals (5 years or more) such as buying a house or retirement with the flexibility of being able to access your funds whenever.
You can only pay into one Stocks and Shares ISA per tax year. You can have multiple Stocks and Shares ISAs open with different providers as long as you only pay into one per tax year. This rule will be changing on the 6th April.
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.
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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).
Why choose a Chip Stocks & Shares ISA?
Stocks and Shares ISAs offer tax advantages, allowing you to potentially grow your investments without paying capital gains tax or income tax on the returns. Here’s what’s included with a Chip Stocks and Shares ISA:
Invest with 0% platform fees.
No hidden fees, or fees that will grow over time. This means you don’t have to pay more to invest more.*
Diversify your portfolio.
Invest using our full range of funds from the biggest asset managers in the world.
No trading fees or extra costs.
With our Stocks & Shares ISA you can buy and sell your investments with no additional charges.
Auto-investing features.
Get unlimited use of our award-winning auto-investing features.
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Invest with 0% platform
fees.
With ChipX you pay 0% platform fees. Many providers charge you
platform fees as a percentage of the total amount of money you
have invested. We think this doesn t reward long-term wealth
building - so we got rid of them.
See how much you could earn with a Stocks & Shares ISA.
Calculate your potential returns with an initial lump sum deposit, regular monthly payments or a combination of the two (up to your annual ISA allowance of £20,000)
The calculation assumes no platform charges as part of a ChipX membership, but includes an annual fund charge of 0.40% (charges may vary depending on the fund). A ChipX membership is required to open and hold a Stocks & Shares ISA with Chip.
Got a question?
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.
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.
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.
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?
Opening a Chip account takes just a few minutes. No forms, no fuss.
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.