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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Join over 500,000+ people building real wealth today.

With investing, your capital is at risk. *Other fees may apply.

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.

Invest in funds with a Stocks & Shares ISA.
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.*

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

Invest your money in a 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.

Build wealth effortlessly

Why choose a Chip investment account?

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.

Choice of Stocks & Shares ISA or a GIA (yes, you can open both).

Build your investment portfolio automatically with our unique auto-investing tech.

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. Learn more about funds here.

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.

S&P 500 Tech Companies
21.58% AAR*
FTSE 100
3.48% AAR*
Crypto Companies
20.74% AAR*
Healthcare Innovations
7.32% AAR*
Emerging Markets
3.95% AAR*
Global Companies Fund
7.91% AAR*
Physical Gold
5.3% AAR*
Clean Energy
21.24% AAR*

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 30/09/22 for Healthcare Innovations, Crypto Companies Fund, S&P 500 Tech Companies, Clean Energy and Emerging Markets funds and for FTSE 100, correct as of 28/10/22.

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.

You can automatically top up your investments using our award-winning auto-saving tech.

Turn it on and every few days you'll invest a sum small enough you won't miss it, but big enough to make a serious impact on your long term wealth.

The results speak for themselves, with the average Chip saver tops up their accounts with an extra £3,000 per year.

Auto-saving has been our bread and butter since we started Chip. We believe one of the keys to building wealth is consistency. Little and often gets you where you want to be in the long term.

Start investing today with Chip.

Invest in funds and build a diverse portfolio in just a few taps. Join over 500,000 people seeking to build real wealth with Chip.

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