If you’re looking to get the best out of your investments without it costing the earth, Chip has you covered. Investing with your current account provider can feel like a sensible and familiar choice, but it’s worth considering other options to avoid higher platform fees, minimum contributions and other hidden charges.  

Here at Chip, we want you to feel confident that you’re making the right investment decisions for you and your goals. We won’t hold you to a minimum deposit or monthly recurring payment — so you can start investing whenever you like, and make contributions when the time is right for you.

If you’re early on in your investment journey, Chip’s low fees and £1 initial deposit could help you get the head start you need. 

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Competitive platform fees 

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• Chip — 0.25% or 0% with ChipX subscription

• Lloyd’s — £20 admin charge every 6 months*
• Santander — 0.35% (£0-£50,000)
• Monzo — 0.45%
• Barclays — 0.25%

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*£20 admin charge waived if you are aged 18-25.

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

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Get started from £1 with Chip

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• Chip — £1 initial deposit

• Lloyd’s — £50 a month or £500 initial deposit
• Santander — £20 a month or £100 initial deposit
• Monzo — £1 initial deposit
• Barclays — £50 a month

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All data correct as of 24/02/25.

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Invest smarter with Chip

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• Regular investments are easy with Chip’s recurring deposits—investing automatically into your chosen fund at a time of your choosing.
• Our Autosave feature can help you regularly invest your spare cash every four days. You choose the settings, and can switch it off at any time if you need a break. 

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For unlimited free usage of these features a ChipX subscription is required. See more information here.

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Feel confident at every turn

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Whatever investment route you take with Chip, we’re here for you every step of the way. Setting up an investment account with us is so simple with our easy-to-use app — no trips to the bank required. 

Choose from our Stocks & Shares ISA, and enjoy tax-free gains; or our General Investment Account if you want to invest more than £20,000 a year. 

You might be confident selecting your own funds, and our ‘Do it Yourself’ track allows you to do just that. Choose from our curated range of investment funds spanning global markets, thematics and commodities. 

If you’re new to the world of investing, make the most of our ‘Selected for You’ track which gives you three simple choices for your money, based on your risk level: Cautious, Balanced and Adventurous. These funds are brought to you by world leading asset managers, BlackRock. 

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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 offer financial advice and this should not be considered as a personal recommendation. Seccl Custody Limited is the ISA Manager for the Chip Stocks and Shares ISA. Fund management charges apply. ISA limits apply. Invest £20k per tax year. Chip does not provide tax advice or financial advice. Tax treatment depends on individual circumstances and may be subject to change in the future. GIA proceeds are potentially taxable, subject to any annual exemption that may apply.

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