Invest differently.
Invest in funds from the world's largest asset managers, seek tax-free returns with a Stocks & Shares ISA.
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With investing, your capital is at risk. A monthly or annual ChipX membership fee is required.
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0% Platform Fees
With a ChipX subscription, invest as much as you want with a fixed fee. A monthly or annual ChipX membership fee is required and fund management charges 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, all in one app. Charges apply.
What is an investment account?
An Investment account holds your investments. 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.
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 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 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 within our investment app.
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.
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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.
Hands free investing.
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.
