Uninvested cash explained

What is uninvested cash?

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Your uninvested cash balance can be found in the Invest tab in the Stocks & Shares ISA and/or the GIA (General Investment Account).

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This balance is made up of the following:

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• Deposited funds

• Withdrawals from an investment fund

• Dividends paid out

• Any remaining amounts rounded down from unit purchases held for you as cash
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Deposits into uninvested cash

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You can deposit into your Uninvested Cash by:

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• Going to the Invest tab

• Selecting either your GIA or Stocks and Shares ISA

• Tapping Uninvested Cash > Add Money.

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Please ensure your bank account is linked to Chip before making a deposit.

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Deposits into uninvested cash will clear by the end of the next working day. ‍

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Withdrawals from uninvested cash

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When you withdraw (sell), your funds will first go to your uninvested cash balance.

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You can withdraw from your uninvested cash by:

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• Going to the Invest tab

• Selecting either your GIA or Stocks and Shares ISA

• Tapping on Uninvested cash > Withdraw.

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The withdrawal will go to your linked bank account (you can check the account you have linked on the Profile tab) and will take 3-5 working days to land in your account.

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You can view all of our withdrawal timeframes here. ‍

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Interest on uninvested cash

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The interest is paid monthly, and you can find the current interest rate by visiting this page.

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The interest is paid directly into your uninvested cash section in your Stocks and Shares ISA and/or GIA on the Invest tab.

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You will see any interest you have been paid reflected on your quarterly statements. ‍

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Need further help?

If you have any further questions, get in touch with our support team using the in-app chat (this can be found in the Contact Us section on the Profile tab) or by email at hello@getchip.uk for further help.