Invest differently.

Invest in funds from the world's largest asset managers, seek tax-free returns with a Stocks & Shares ISA and diversify your portfolio with real assets (coming soon). 0% platform fees with a ChipX subscription*.

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0% Platform Fees

With a ChipX subscription, invest as much as you want with a fixed fee. Other fees may apply.

Invest in funds

Put your money to work with experts from the world's largest asset managers.

Invest automatically

Invest little and often based on your spending habits, using our clever AI.

A home for your investments

What is an investment account?

An Investment account holds your investments. This can include stocks, bonds and funds. With Chip this means the money you invest in funds. There are two types of investment accounts, GIAs and Stocks & Shares ISAs (see below), with Chip you can have both.

With a Chip investment account you can put your money into a curated selection of funds from the world’s biggest asset managers. Invest ethically, index and flex, put your money to work in emerging markets. There's something for everyone.

Stocks & Shares ISA
ChipX
Tax free

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.

General Investment Account

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.

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

Invest with the experts

Invest in funds.

We bring you a variety of themed funds to choose from, like Clean Energy, Healthcare Innovation, and Crypto Companies. Whatever your interests and beliefs, there's a theme to match, with more coming all the time.

Calculated using the annual return for the previous 5 years or lifetime of the fund (if trading for less than five years) and then averaging that number.

Clean Energy
20.08%
(30/11/17 - 30/11/23)

Past performance is not a reliable guide to future returns. The value of your investment can go down as well as up and you might get back less than you originally invested. Historic returns are correct as of 30/11/22 for Healthcare Innovations, Crypto Companies Fund, S&P 500 Tech Companies, Clean Energy, Global Companies fund, Emerging Markets funds and FTSE 100.

Experts call them Alternative Assets

Invest in real assets.

Own a piece of something amazing. Back your money with real-world assets. Diversify your portfolio and seek returns. Please note that you cannot hold an Alternative Asset investment as part of a GIA or ISA.

Capital at risk. Investing in Alternative Assets is high risk and don’t invest unless you’re prepared to lose all the money you invest. Please note that Chip's Alternative Asset offering is an unregulated introduction to a third party provider selected by Chip.
Alternative Assets does not fall under P1 Investment Management Limited's authorisation by the FCA.

Invest like the ultra-wealthy.

Our new platform allows Chip users to invest in real assets, like classic cars, fine wine and art (coming soon). These are called Alternative Assets and often used by the ultra wealthy to diversify portfolios. There's also the potential to earn returns, with Alternative Assets outperforming many traditional financial indices in recent years.

Chip will democratise access by offering shares in these assets. For example, for £100 you could own 0.1% share of a £100,000 Rolex, Ferrari or McCallan Whisky cask.

When investing your capital is at risk and past performance is not a reliable guide to future returns. The value of your investment can go down as well as up and you might get back less than you originally invested.

Invest with the experts

Invest in funds.

Lower risk than trading single shares. Better potential returns than cash savings. Curated by professional asset managers.

Invest in Clean Energy.

This fund invests in companies directly involved with producing Clean Energy and renewables. Help save the planet as you seek strong returns.

Learn more →
Invest in Emerging Markets.

Invest in companies in developing markets and economies around the world, where potential for growth can be higher. Hand-picked by experts for you.

Learn more →
Invest in Crypto Companies

This fund allows you to invest in over 50 companies involved in Blockchain and Crypto. Get in on the rapidly-growing Crypto revolution, without directly buying any. 

Learn more →
Invest in Healthcare Innovation.

An ethical fund that seeks to make a real difference. The Healthcare Innovation Fund invests in pioneering medical technology with the power to change lives.

Learn more →
Invest in S&P 500 tech companies.

Invest in tech giants from across the USA; from Silicon Valley to the Big Apple. Featuring companies like Apple, Microsoft, PayPal and Mastercard.

Learn more →
Invest in the FTSE 100.

Invest in big British business. Containing companies like Rolls-Royce, Sainsbury’s and Vodafone, this fund tracks the total value of the companies on the FTSE100.

Learn more →

What are investment funds?

Funds are like ready-made mini diversified portfolios created by expert asset managers.

It is not the same as buying or selling individual stocks to get rich quick. This is serious long term investing.

When you invest in a fund you're putting your money into hundreds (sometimes even thousands) of individual shares, bonds and other assets.

In a nutshell it's less risky than trading single shares, but with bigger potential returns (and losses) than cash savings.

Invest little, invest often

Hands free investing.

Investing with Chip also comes with an added bonus. It's called auto-investing, and it could revolutionise the way you build your portfolio.

Once enabled, our auto-investing tech will move money into an investment fund of your choice automatically, every month or every few days.

You've just auto-saved!
We're allocating your save now.
Clean Energy fund
21.24% AAR*
Crypto Companies fund
20.74% AAR*

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
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).
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

Build wealth your way.

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

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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.