Investing made simple
Build your wealth without the stress. The investment app with auto-investing, curated funds, and low fees.
Ready-made investment portfolios
Auto-invest and watch your money grow
Curated funds from leading asset managers
We’ve kept investing simple.
Why should you invest with Chip?
Tax-free investing made easy
Invest up to £20,000 a year in a Stocks & Shares ISA and keep every penny of your returns. No tax admin or paperwork.1
Grow your money on autopilot
Set up seamless recurring deposits and auto-investing that keep you on track without lifting a finger.
Funds from the biggest names
Choose from a curated range of investment funds from some of the world’s largest asset managers: BlackRock, Vanguard, Invesco, HSBC and more.
Make wealth building a reality
Our calculator tools help you visualise your financial goals, and build the plan to bring them even closer with investing.
What is investing?
Everything you need to know to get started
Investing is the act of putting your money into assets; like stocks, bonds, funds, property or businesses – with the goal of growing your wealth over time.
Our investment funds are collections of assets (like stocks, bonds, commodities etc.) that aim to give you exposure to multiple different investments, in one place.
Some funds focus on global economy, some on a particular theme, and others on a particular asset - like gold.
Investment fees are a normal and necessary part of investing. They cover the professional services that help your money grow safely and efficiently.
Platform Fees covers the running costs of your account on our platform. Our free plan has a 0.25% platform fee, while this fee is 0% with a ChipX membership*.
Fund management fees are charged by the experts who manage your chosen investment funds. They vary between funds and are automatically deducted from your investment.*
A monthly or annual ChipX membership fee is required and fund management charges apply.
‘Capital at risk’ means that when your money is invested, the value can go down as well as up. Historically, markets have trended upwards over time, and investments should be focussed on long-term goals.
Investment funds our
members love
Our curated range of funds was built with long-term growth in mind. Each investment fund is made up of a range of assets, so you don’t need worry about picking the winners.
Space Innovators
Semiconductor Fund
China Fund
S&P 500 Tech
Blockchain & Crypto
NASDAQ 100
S&P 500
FTSE All-World High Dividend
UK Large & Mid Cap
FTSE 100
Physical Silver
MSCI World
FTSE Developed World
India Fund
FTSE All-World
AI Fund
LifeStrategy 100%
Physical Gold
FTSE Global All Cap
Adventurous ESG Fund
FTSE Global All Cap ESG
S&P 600 Small-Cap
Europe ex-UK Fund
Global Small Cap
Asia Pacific ex-Japan Fund
Automation & Robotics
LifeStrategy 80%
Adventurous Fund
Global Luxury
Japan Fund
Balanced Fund
Balanced ESG Fund
LifeStrategy 60%
FTSE Emerging Markets
S&P 400 Mid-Cap
Cautious Fund
Megatrends
LifeStrategy 40%
UK Money Market Fund
Emerging Markets Fund
US Bond Fund
Healthcare Innovation
Clean Energy
Compare our fees
You could save up to £1,484 by investing with Chip
If you deposited £10,000, it grew by 8% compounded growth a year, and you topped it up with £200 each month, here’s how much you could save with Chip vs different providers after 10 years.
£57,303
£768
£56,485
£1,370
£56,307
£1,486
£55,283
£2,252
£56,485
£1,370
Data accurate as of 15.07.2025
The 8% gross return is a projected figure for illustration purposes only, it shouldn't be seen as an average and isn't guaranteed. The net return will be reduced by the amount of fees you pay. The higher the fees, the lower the return you actually receive. Forecasts are not a reliable indicator of future performance.
When investing, your capital is at risk. The value of your investments can go down as well as up and you may get back less than your original investment. Chip does not provide financial advice.
Compare our fees
We’re all about low investing fees, but don’t just take our word for it.
If you deposited £10,000, it grew by 8% compounded growth a year, and you topped it up with £200 each month, here’s how much you could save with Chip vs different providers after 10 years.
Data accurate as of 15.07.2025
The 8% gross return is a projected figure for illustration purposes only, it shouldn't be seen as an average and isn't guaranteed. The net return will be reduced by the amount of fees you pay. The higher the fees, the lower the return you actually receive. Forecasts are not a reliable indicator of future performance.
When investing, your capital is at risk. The value of your investments can go down as well as up and you may get back less than your original investment. Chip does not provide financial advice.
Get your investments on track
Investing tools that put your goals in focus
Our simple calculator tools are designed to help you visualise your investing goals, make the right choices, and give you the numbers you need (without the maths degree). Whether you're starting with a lump sum, planning monthly deposits, or exploring potential returns — we’ve got you covered.
Popular
Stocks & Shares ISA Calculator
See how your ISA could grow over time - and what tax-free returns you could unlock.
New
Return on Investments Calculator
Project your potential investment returns based on how much, how long, and how often you invest.
Investment names you can trust
All in one app
We’ve selected a curated range of funds from some of the world's largest asset managers — Vanguard, BlackRock, Invesco and more — so you can invest with confidence.
Smart auto investing
Our smart Auto-investments feature analyses your spending habits to find the perfect amount for you to invest.
Simply set your preferences, and we'll automatically invest your money into a fund you've chosen.
You're always in control. You can pause or adjust your auto investments anytime.
Set investing goals
Ready to start your investing journey? Our Goals feature is designed to help new investors plan for the future.
Whether you're saving for retirement, a house deposit, or a big trip, you can create a specific investment goal and track your progress over time.
We help you stay focused on the long term, so you can build wealth for the things that matter most.
Complete
Financial freedom
£300,000
/
£300,000
Ahead
House deposit
£24,822.24
/
£40,000
On track
City break
£472.52
/
£2,000
Explore our funds
We’ve hand picked our range of investment funds to cater to every investor. Whether you’re looking for a simple option, or want to build your portfolio from scratch — we’ve got you covered.
Explore our full fund range
We’ve hand-picked a range of investment funds for all risk levels. Whether you're cautious or adventurous, like Tech, Clean Energy, or Space Innovation - there's a fund for you.
Choose your investment track
Investing doesn’t have to be complicated. Our investment app offers simple, clear paths designed to help new investors get started. Pick the track that feels right for you to begin building your financial future with Chip.
Selected for you
Choose from three simple funds managed by experts at BlackRock.
No expertise needed
Choose from three simple options based on your investing risk level. It’s simple, effortless and hands-off.
Managed by experts
Fund managers at BlackRock buy and sell assets to keep your portfolio in line with your level of risk.
Start your journey from £1
No experience needed. Smart diversification across thousands of assets with risk control built in.
Do it yourself
Create your own portfolio from our curated range of investment funds.
Want more control?
Create your perfect portfolio and choose from over 40 funds across global or regional indexes, thematics, commodities and more.
Curated choices
We selected our funds to give our members simple choices that give access to many assets in one investment — no stock picking required.
Start your journey from £1
Get the ball rolling with no commitments. No minimum deposit or monthly top up required.
Master the stock markets
Invest with confidence
Start your investing journey with confidence. Our jargon-free investment guide series’ cover everything from the fundamentals to various investing strategies.
Beginner
Investing basics
Learn the core principles of investing to build confidence and get started on your journey.
Beginner
Asset classes explained
Understand the different types of assets you can invest in, from stocks to bonds and beyond.
Advanced
Investing trends & tools
Discover the latest investing trends and tools to build your portfolio confidently.
Advanced
Investing strategies
Learn effective investing strategies to grow your wealth over time.
Ready to start your investing journey?
Get set up with Chip in a few simple steps
Download the Chip app
Get started by downloading the Chip app from the App Store or Google Play.
Sign up
Set up your account in-app in minutes.
Open your investment account
Head over to the ‘Investing’ tab and choose from a Stocks & Shares ISA or General Investment Account.
Make your first investment
Choose from our ready-made options or pick your own funds — investing takes a few minutes.
It’s that simple
Ready to start building wealth for the long-term?
Got a question?
We’re here to help. Whether you’re stuck on something or just want to understand how it all works, our team’s on hand with quick, friendly support.
Fund management fees are charged by the fund manager to cover the cost of running a fund. These charges vary between funds, and are also expressed as a percentage of your portfolio.
*A monthly or annual ChipX membership fee is required and fund management charges apply.
A General Investment Account (GIA) is great for any investing outside of your ISA allowance. This account doesn’t offer the tax-free benefits of an ISA, but you can invest as much as you like.
If you need any help, our UK-based customer support team is available 7 days a week.
