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Meet Chip.
Your wealth app.

Get better saving rates. Invest without forms and fuss. Automatically build your wealth using AI. Make it effortless with Chip.

Get StartedGet Started

4.5 rating 13,487 reviews

Past performance is not a reliable guide to future returns. The value of your investment may go down, as well as up and you might get back less than you originally invested.

Alternative Assets risk summary
2 min read
What are the key risks?
Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.
1. You could lose all the money you invest
•   If the business offering this investment fails, there is a high risk that you will lose all your money. Businesses like this often fail as they usually use risky investment strategies.

•   Advertised rates of return aren’t guaranteed. This is not a savings account. If the issuer doesn’t pay you back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is.
2. You are unlikely to be protected if something goes wrong
•   Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here. 

•   Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA- regulated firm, FOS may be able to consider it. Learn more about FOS protection here.
3. You are unlikely to get your money back quickly
•   Even if the business you invest in is successful, it will likely take several years to get your money back.

•   This type of business could face cash-flow problems that delay payments to investors. It could also fail altogether and be unable to repay any of the money owed to you.

•  You are unlikely to be able to cash in your investment early by selling your investment. In the rare circumstances where it is possible to sell your investment in a ‘secondary market’, you may not find a buyer at the price you are willing to sell.

•  You may have to pay exit fees or additional charges to take any money out of your investment early.
4. This is a complex investment
•  This kind of investment has a complex structure based on other risky investments, which makes it difficult for the investor to know where their money is going.

•  This makes it difficult to predict how risky the investment is, but it will most likely be high.

•  You may wish to get financial advice before deciding to invest.
5. Don't put all your eggs in one basket
•  Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.

•  A good rule of thumb is not to invest more than 10% of your money in high-risk investments.
If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

Meet Chip.
Your wealth app.

Get better saving rates. Invest without forms and fuss. Automatically build your wealth using AI. Make it effortless with Chip.

Get StartedGet Started

4.5 rating 13,487 reviews

Meet Chip.
Your wealth app.

Get better saving rates. Invest without forms and fuss. Automatically build your wealth using AI. Make it effortless with Chip.

Get Started
Get Started

4.5 rating 13,487 reviews

Past performance is not a reliable guide to future returns. The value of your investment may go down, as well as up and you might get back less than you originally invested.

Alternative Assets risk summary
2 min read
What are the key risks?
Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.
1. You could lose all the money you invest
•   If the business offering this investment fails, there is a high risk that you will lose all your money. Businesses like this often fail as they usually use risky investment strategies.

•   Advertised rates of return aren’t guaranteed. This is not a savings account. If the issuer doesn’t pay you back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is.
2. You are unlikely to be protected if something goes wrong
•   Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here. 

•   Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA- regulated firm, FOS may be able to consider it. Learn more about FOS protection here.
3. You are unlikely to get your money back quickly
•   Even if the business you invest in is successful, it will likely take several years to get your money back.

•   This type of business could face cash-flow problems that delay payments to investors. It could also fail altogether and be unable to repay any of the money owed to you.

•  You are unlikely to be able to cash in your investment early by selling your investment. In the rare circumstances where it is possible to sell your investment in a ‘secondary market’, you may not find a buyer at the price you are willing to sell.

•  You may have to pay exit fees or additional charges to take any money out of your investment early.
4. This is a complex investment
•  This kind of investment has a complex structure based on other risky investments, which makes it difficult for the investor to know where their money is going.

•  This makes it difficult to predict how risky the investment is, but it will most likely be high.

•  You may wish to get financial advice before deciding to invest.
5. Don't put all your eggs in one basket
•  Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.

•  A good rule of thumb is not to invest more than 10% of your money in high-risk investments.
If you are interested in learning more about how to protect yourself, visit the FCA’s website here.
0% platform fee stocks & shares ISA
3% return on instant access savings
Automatic saving and investing tools
Funds from the world's biggest asset managers
0% platform fee stocks & shares ISA
3% return on instant access savings
Automatic saving and investing tools
Funds from the world's biggest asset managers

We’re trusted by over half a million people building real wealth.

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Funds
Savings
Clean Energy
4.04% AAR*
FTSE 100
4.04% AAR*
S&P 500 Tech Companies
4.04% AAR*
Crypto Companies
4.04% AAR*
Healthcare Innovations
4.04% AAR*
Emerging Markets
4.04% AAR*
Clean Energy
4.04% AAR*
Clean Energy
4.04% AAR*
Clean Energy
4.04% AAR*
Clean Energy
21.24% AAR*
Clean Energy
4.04% AAR*
Clean Energy
4.04% AAR*

Why Choose Chip?

Save and invest all in one place.

Our mission is to make building your wealth simple. Across savings, investment funds and Alternative Assets (coming soon).  We allow you to build a truly diverse portfolio exactly the way that works for you.

Invest without lifting a finger.

Use our award-winning tech to invest automatically, based on your disposable income. Learn more →

Savings Accounts

Our savings accounts have some highly competitive rates.
‍Learn more →

Premium funds

Unlock our entire range of funds

Build a diversified portfolio using our full range of investment funds with 0% platform fees. ChipX subscription & other fees may apply.

Learn more about ChipX →
Clean Energy fund
FTSE 100 Index fund
S&P 500 Tech fund
Crypto Companies
Healthcare Innovations
Clean Energy fund
FTSE 100 Index fund
S&P 500 Tech fund
Crypto Companies
Healthcare Innovations
Clean Energy fund
FTSE 100 Index fund
S&P 500 Tech fund
Crypto Companies
Healthcare Innovations
Clean Energy fund
FTSE 100 Index fund
S&P 500 Tech fund
Crypto Companies
Healthcare Innovations

Fully regulated

We are fully regulated by the Financial Conduct Authority (FCA).

FSCS Eligible

Eligible deposits in our savings accounts are protected under the Financial Services Compensation Scheme.

Award-winning support

Get it touch with one of our customer support representatives on hand 7 days a week.

Getting Started

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

Get StartedGet Started

4.5 rating 13,487 reviews

Download Chip

Scan the QR code on this screen, or head to App Store or Google Play.

Create an account

Enter a few details and pending a quick check, you’ll be ready in no time. Any issues? Our award winning customer success team is on hand to help.

You're good to go!

Choose from our range of savings accounts, investment funds and Alternative Assets (Coming soon) to begin your wealth building journey. 

Pricing plan

Pick the membership plan that’s right for you.

Get started with a 28 day free trial then either £4.99 every 28 days (paid annually at £65.05), or £5.99 every 28 days (paid monthly).

Basic plan
£0.00/mo
Get started
ChipX plan
£4.99/mo
Get started with a 28 day free trial then either £4.99 every 28 days (paid annually at £65.05), or £5.99 every 28 days (paid monthly).
Learn more
Accounts
General Investment Account
Access to leading savings accounts
Stocks & Shares ISA
Benefits
Autosaves
45p per save
Unlimited free use
Recurring saves
25p per save
Unlimited free use
0% platform fees*
Chip Instant Access
Access to all our investment funds
Unlimited withdrawals
Funds
FTSE 100 index fund
S&P 500 tech fund
Clean Energy fund
Crypto Companies fund
Emerging Markets fund
Physical Gold fund
Healthcare Innovation fund
Ethical fund
Global Companies fund
See our pricing page →

Build wealth your way.

Make your money go further with 0% platform fees today*.

Get StartedGet Started

4.5 rating 13,487 reviews

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Our mission is to build wealth for our generation.

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