Stocks &
Shares ISA.

A popular and tax-efficient way to invest. Pay 0% platform fees with a Chip Stocks & Shares ISA.

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 advice. Tax treatment depends on individual circumstances and may be subject to change in the future. ChipX subscription required. *Fund management charges apply.
What's a Stocks & Shares ISA?
Why choose Chip?
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FAQs
Open an ISA

What is a Stocks & Shares ISA?

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.

Can I have more than one Stocks and Shares ISA?

You can only pay into one Stocks and Shares ISA per tax year. You can have multiple Stocks and Shares ISAs open with different providers as long as you only pay into one per tax year.

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.

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 you like.

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.

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Why choose Chip?

Why choose a Chip Stocks & Shares ISA?

A Stocks & Shares ISA is included as part of your ChipX membership. You’ll get…

0% Tax on your returns 

You don’t pay income tax or capital gains tax on your investments.

0% Platform fees

No hidden fees that grow over time. Invest for one fixed monthly subscription

Invest in whisky

You can't really sell a decent single malt until it's at least 12 years old. And typically the longer whisky matures, the more valuable it gets. So as it matures, so could your investments.

Coming soon

0% Trading fees

Buy and sell investments whenever you like with no additional charges

Diversify your portfolio

Access our full range of investment funds - curated by the world’s biggest asset managers.

Invest your way

Choose big global names, invest by risk level, by industry or ethically in the things that matter to you.

Hands free investing

Unlimited use of our award-winning auto-investing features.

Get started in minutes

No long forms or clunky websites. Buy and sell, track performance and manage your portfolio all in app

Deposit in seconds

Top up funds via Bank Transfer, from another Chip account. Google/Apple Pay, Debit Card.

Past performance does not indicate current or future performance, and should not be the only thing you consider when investing.

0% platform fees

Invest with 0% platform fees

A Stocks and Shares ISA with Chip is included as part of a ChipX membership (£65.05 paid annually, or £5.99 / 28 days) amongst a range of other benefits. 

With ChipX you pay 0% platform fees. Many providers charge you platform fees as a percentage of the total amount of money you have invested. We think this doesn't reward long-term wealth building - so we got rid of them.

Fund management charges apply from our asset managers such as BlackRock and Vanguard. These vary from fund to fund. (e.g.Global Companies Fund 0.20% per annum)

Tax allowance

How much can I invest in an ISA?

You can pay a maximum of £20,000 into your Stocks and Shares ISA per tax year (from 6 April to 5 April). This is called your ISA allowance.

But you can hold as much as you like in an ISA, as long as you stay within the yearly deposit allowance. To qualify applicants must be at least 18 years old and a UK resident.

Stocks & Shares ISA
Tax-free
Invest up to £20,000 tax-free
£1k
£5k
£10k
£15k
£20k
£20ki / £20k
Emerging Markets fund
Global Companies
FTSE 100 Index Fund

Build a diverse portfolio with our bespoke range of funds.

When it comes to investing not everyone wants to scroll through thousands of funds. Which is why we’ve curated a bespoke selection of investment funds from the experts (like BlackRock) designed to give you a diverse portfolio - without overwhelming you.

With a Chip Stocks & Shares ISA you decide what you want to invest in - the way that works for you. Select funds based on your preferred level of risk, invest in big household names, track an index, invest ethically in what matters to you or invest around a theme or trend. There’s even Physical Gold. When investing, your capital is at risk.

FTSE 100 Index fund
S&P 500 Tech fund
Healthcare Innovations
Crypto Companies
Clean Energy fund
FTSE 100 Index fund
Healthcare Innovations
Crypto Companies
S&P 500 Tech fund
Healthcare Innovations
Clean Energy fund
Crypto Companies
S&P 500 Tech fund
Getting started

How to open a Chip Stocks & Shares ISA

We’ve made it easy to start building wealth with a Chip Stocks & Shares ISA. There’s no forms or fuss and you can get started in just a few minutes.

Find the ‘invest’ tab

On the ‘Invest’ tab of your Chip app select Stocks & Shares ISA, then select your first investment fund (you can add more later).

Select a fund

Enter your National Insurance Number, nationality and accept the terms. Then simply select your first investment fund (you can add more later).

Choose a deposit method

Make your first deposit via bank transfer, from your Chip savings accounts, debit card or Apple/Google pay and that’s it. Your ISA is open!

Invest in whisky

You can't really sell a decent single malt until it's at least 12 years old. And typically the longer whisky matures, the more valuable it gets. So as it matures, so could your investments.

Coming soon
Easy App & Quick
"The app is very easy to use and depositing money into my Chip account is done in seconds without any hassle. Great place to invest my money!"

March 7

Fantastic app for managing money!
"Chip has completely transformed how I manage my money. Within a year I had reached all my savings goals and I'm now growing my money through investments."

Jan 17

Great customer service
"Rare these days with other banks but when I contacted CHIP with an issue the response was very fast and the problem was immediately resolved. Well done and keep it up!"

Dec 11

Chip is your wealth app

One place for your savings and investments.

Investing with Chip means you get so much more than just an ISA with our full range of products and features designed to build your wealth.

You’ll get access to market-leading savings accounts, the chance to win £50,000 in prizes each month, unlimited use of our automatic saving and investing features and much more. 

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.

Can I have more than one Stocks and Shares ISA?

You can only pay into one Stocks and Shares ISA per tax year. You can have multiple Stocks and Shares ISAs open with different providers as long as you only pay into one per tax year.

What investments are held in stocks and shares ISAs?

A stocks and shares ISA is effectively a box you put different investment products into with a ’tax wrapper’ around it, meaning any investment growth is tax-free. These can include investment funds or trusts, exchange-traded funds, individual stocks, corporate and government bonds and more. 

I’ve already got a Cash ISA. Can I open a Stocks and Shares ISA as well?

Yes you can have both a Stocks and Shares ISA and a Cash ISA and pay into both in the same tax year. Please ensure you don’t go over your overall limit of £20,000 however. 

Calculate your potential returns with a one-off lump sum, monthly payments or a combination of the two (up to your ISA allowance of £20,000)
Starting amount
Monthly payments
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Select how long your planning to invest for
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After 5 years, here's how your investment return could look...

Your contribution
£0.00
Potential returns
£0.00
Investment gain
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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 advice. Tax treatment depends on individual circumstances and may be subject to change in the future.