Open your Stocks & Shares ISA
Investing that's actually simple.
Open your Stocks & Shares ISA
Investing that's actually simple.
Currency Risk: The value of investments that are not in pound sterling may be affected by changes in exchange rates.
What is a Stocks &
Shares ISA?
A Stocks & Shares ISA is a tax-efficient account that lets you invest your money and keep all the returns.
You can invest up to £20,000 a year, and anything you earn (whether that’s growth, dividends or interest) is completely tax-free. No capital gains tax. No income tax. No admin.
Unlike a Cash ISA, which earns interest, a Stocks & Shares ISA allows you to put your money into investment funds, which can mean much more growth over the long-term.
What is a Stocks &
Shares ISA?
A Stocks & Shares ISA is a tax-efficient account that lets you invest your money and keep all the returns.
You can invest up to £20,000 a year, and anything you earn (whether that’s growth, dividends or interest) is completely tax-free. No capital gains tax. No income tax. No admin.
Unlike a Cash ISA, which earns interest, a Stocks & Shares ISA allows you to put your money into investment funds, which can mean much more growth over the long-term.
Why invest in our
Stocks & Shares ISA?
At Chip we want to make investing as simple as saving.
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.
Funds from the best in the world
Choose from a curated range of investment funds managed by top names like BlackRock, Vanguard, Invesco, and HSBC. No endless scrolling.
Invest the way that works for you
Pay a low 0.25% platform fee on our standard plan, or just one flat membership of £5.99/month with ChipX. No hidden surprises.
Grow your money on autopilot
Set your preferences and let Chip’s auto-investing features do the rest – helping you stay consistent without lifting a finger.
Why invest in our
Stocks & Shares ISA?
At Chip we want to make investing as simple as saving.
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.
Funds from the best in the world
Choose from a curated range of investment funds managed by top names like BlackRock, Vanguard, Invesco, and HSBC. No endless scrolling.
Invest the way that works for you
Pay a low 0.25% platform fee on our standard plan, or just one flat membership of £5.99/month with ChipX. No hidden surprises.
Grow your money on autopilot
Set your preferences and let Chip’s auto-investing features do the rest – helping you stay consistent without lifting a finger.
See how far you can go
Use our ISA calculator to explore how much your money could grow with a lump sum, monthly contributions or both. (£20,000 annual deposit maximum based on ISA limits, you can transfer ISAs from previous tax years without affecting the amount you can invest in an ISA for this tax year).
In - with a return rate of - you could have...
£10,000.00
+
£0.00
- paid in fund management fees
The calculation assumes no platform charges as part of a ChipX membership, but includes an annual fund charge of 0.26% (charges may vary depending on the fund).
Invest with 0%
platform fees.
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.
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
£56,892
£1,070
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.
Explore your fund options
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.
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.
What’s your investment style?
There’s no right way to invest, just what works for you. You can choose how you want to build your Stocks and Shares ISA.
Ready-made
Choose from three simple funds managed by experts at BlackRock.
No expertise needed
Choose from three simple options based on your risk appetite. Ideal if you want investing to be simple, effortless and hands-off.
Adjust your exposure
Select a Cautious, Balanced or Adventurous option - brought to you by BlackRock, the world’s biggest asset manager.
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?
Build your own portfolio simply with our range of funds. You choose the funds, we make it easy to compare and invest.
Choose from over 50 investment funds
Picked for their performance and low fees. We’ve kept things diverse but simple, with no endless scrolling.
Start your journey from £1
Perfect if you like to be hands-on. Make the decisions yourself and invest in more specific themes.
Simple guides for every kind of investor
New to investing? Or just want to brush up on the basics? Our bite-sized guides cover everything you need to know — from what a fund actually is to how to choose the right risk level.
Clear, jargon-free, and designed to give you confidence before you invest.
Explore the guides and take your first step toward smarter investing.
Ready to get started?
Opening your Stocks & Shares ISA takes minutes
Download
Get started by downloading the Chip app from the App Store or Google Play.
Sign up
Follow our in-app prompts to set up your account.
Head to the Investing tab
On the ‘Investing’ tab of your Chip app, select the Chip Stocks & Shares ISA.
Open your ISA and make your first investment
Choose to do it yourself and pick your own funds, or choose from our three ready-made options.
That’s it - you’re on your way to tax-free investing.
Ready to begin?
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.
Just keep in mind that all investments can go up and down in value, which is why it’s best suited to long-term goals (think 5+ years) and a risk level that feels right for you.
Your ISA allowance resets every tax year, and you can’t carry over any unused amount. So if you don’t use it, you lose it.
They cover the day-to-day running of the fund, things like choosing which assets to invest in, monitoring performance, and making adjustments to keep it on track.
At Chip, we don’t add anything extra to these charges, and they are taken directly as a small percentage of your investment each year (for example, 0.13%) and are already reflected in your fund’s performance and not charged separately.
If you're on our standard (free) plan, we charge a 0.25% annual platform fee, applied monthly.
If you're a ChipX member, you won’t pay any platform fees (£5.99/month membership). We always show you exactly what you’re paying before you invest, so there are no surprises.
When you invest through Chip, your money goes into professionally managed funds — collections of investments chosen and maintained by experts (like BlackRock or Vanguard). These funds aim to increase in value over the long term, though they can go up and down in the short term.
Unlike saving, where you earn a set interest rate, investing gives your money more potential to grow - especially over 5+ years. You don’t need to be an expert. Just choose a fund that suits your goals and risk level, and let Chip do the rest.
You only lock in a loss if you sell when the market is down. That’s why it’s important to stay focused on your long-term goals and give your investments time to grow.
Remember: investing isn’t about reacting to every market move, it’s about staying the course.