Open a Stocks & Shares ISA.

A popular and tax-efficient way to invest with Chip.

No tax on any returns you make.

Annual £20,000 allowance.

No tax reporting, no hassle.

4.6 rating 26k reviews
*ChipX subscription required. A monthly or annual ChipX membership fee is required and fund management charges apply. With investment, your capital is at risk. Tax treatment depends on your individual circumstances and may be subject to change in the future.
Our investment funds

Build a diverse portfolio with our range of investment funds.

We’ve curated a selection of investment funds from the experts (like BlackRock) designed to give you a diverse portfolio - without overwhelming you.

Ethical X fund

This fund aims to make investments that meet Environmental, Social and Governance (ESG) guidelines.

Crypto Companies fund

This fund invests in over 50 companies involved in the Blockchain and Crypto industry.

Healthcare Innovations fund

This fund invests in over 200 companies around the worldinvolved in medical research and technology.

Emerging Markets fund

Invest in companies in developing markets and economies around the world.

Global Companies fund

Invest in a wide range of international powerhouses spanning 23 developed countries.

Physical Gold fund

This fund aims to provide the performance of the spot gold price (after fees).

Clean Energy fund

This fund invests in companies that directly produce clean energy or the technology and equipment involved.

Adventurous X

Seek big returns with a fund  managed by BlackRock’s experts.

Balanced X

A balance of risk and return all managed by BlackRock experts.

Cautious X

A cautious approach, actively managed by BlackRock’s experts.


What is a Stocks & Shares ISA?

A Stocks and Shares ISA is a type of investment account that allows you to invest up to £20,000 and pay no income tax or capital gains tax on any returns.

Look at the ISA like a box that allows you to put investments of your choice into it. The box is ‘wrapped up’ meaning any investment gains are protected from tax.

Who might benefit from a Stocks and Shares ISA?

A Stocks and Shares ISA offers the possibility of better returns in the long run compared to saving in cash. For those who aren’t looking for instant access to their money and are prepared to keep money invested for a number of years, it could be the right fit.

When it comes to investing your capital is at risk and your investments can go down as well as up in value. Chip does not give financial advice and you should not construe this as a personal recommendation. Always do your own research.

Investing in an ISA can suit your long-term goals (5 years or more) such as buying a house or retirement with the flexibility of being able to access your funds whenever.

Can I have more than one Stocks and Shares ISA?

You can have multiple Stocks and Shares ISAs open with different providers but note you can only deposit a maximum of £20,000 across all your ISAs in a given tax year.

We partner with the world’s biggest fund managers.

At Chip we offer investment funds from the experts at some of the biggest names in investing, who already help millions of investors build their wealth across the globe.

These investment funds are created based on what you want to invest in, such as investing in clean energy or emerging markets.


Established in 1975 and trusted by over 30 million investors.


The world's largest money manager with over $9 trillion in assets.


One of the world's largest independent investment management firms.


A world leader in exchange traded-funds (part of BlackRock).

Why choose a Chip Stocks & Shares ISA?

Stocks and Shares ISAs offer tax advantages, allowing you to potentially grow your investments without paying capital gains tax or income tax on the returns. Here’s what’s included with a Chip Stocks and Shares ISA:

Invest up to £20,000 per tax year

Pay no income tax or capital gains tax on any returns.

Diversify your portfolio.

Invest using our full range of funds from the biggest asset managers in the world.

A curated range of investment funds

Say goodbye to endless scrolling. We've curated a range of popular investment funds to build a diverse portfolio with ease.

Auto-investing features.

Get unlimited use of our award-winning auto-investing features.

A monthly or annual ChipX membership fee is required and fund management charges apply.

Invest with 0% platform

A ChipX membership allows you to invest as much as you like with no percentage platform fees. Zero.
This means you don’t have to pay more to invest more and your monthly fee stays fixed as your wealth grows.

Chip does not provide tax advice. Tax treatment depends on individual circumstances and may be subject to change in the future. A monthly or annual ChipX membership fee is required and fund management charges apply.

See how much you could earn with a Stocks and Shares ISA.

Calculate your potential returns with an initial lump sum deposit, regular monthly payments or a combination of the two (up to your annual ISA allowance of £20,000)

You can only put up to £20,000 into all your ISAs per tax year. This calculator assumes you only have a Stocks & Shares ISA.
Enter the amount you’d like to regularly top up your ISA with each month.
Stocks & Shares are considered a
medium to long term investment. You
should consider holding them for a
minimum of five years.
These are examples only, the actual value of your investment will depend on the performance of the investment funds you choose. Investment growth is seldom a straight line, with investments going down as well as up in value.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
This calculator is used for illustrative purposes only, and is intended as an aid to decision making - the amounts shown are not guaranteed, you may get back more or less than the figures quoted. You could get more, or less than the amount illustrated. It does not take into account your personal circumstances. Keep in mind, that when investing your capital is at risk. The value of your investment can go down as well as up and you might get back less than you originally invested. Chip does not provide tax or financial advice. Tax treatment depends on individual circumstances and may be subject to change in the future.

The calculation assumes no platform charges as part of a ChipX membership, but includes an annual fund charge of 0.40% (charges may vary depending on the fund). A ChipX membership is required to open and hold a Stocks & Shares ISA with Chip.

Got a question?

What funds and investing accounts can I access on the basic Chip plan?
When investing with Chip on the basic plan, you can access a selection of investment funds on our free plan to help you get started. Choose from a range of BlackRock & Vanguard diversified funds and a selection of indexes like the FTSE100.
What fees will I pay?
On our free plan you'll pay a platform fee of 0.25% to invest with us. ChipX members will pay just the cost of their membership and enjoy 0% platform fees.

Please note fund management charges also apply, charged by the asset manager responsible for your fund e.g. BlackRock.
What are fund management charges?
While Chip takes payment for these, these are charged directly by the asset manager (e.g. BlackRock) who manage your investments. They vary from fund to fund, each fund manager fee is clearly displayed on the fund’s page in your app.
What are platform fees?
Platform fees provide you with access to investment funds on your app. You only pay a platform fee on a Chip standard plan. There are no platform fees for ChipX members (only fund management charges). Chip’s platform fee for the standard plan is an annual charge of 0.25%, applied to the value of your investments including growth, charged monthly.

A minimum charge of £1 applies if you have a balance above £1 in any investment fund. You can find information about your platform fees, and how these are charged in your Investment statements’, on your Profile. We reserve the right to amend these fees with two months’ notice.

Still have questions?

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

Get StartedGet Started
4.6 rating 26k reviews

1. Download Chip

Head to the App Store or Google Play Store.

2. Create an account

Enter a few details and pass a quick check.

3. You're good to go!

Choose from our range of finance products.

Get Started