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Silo Phone

Introducing Silo

Our investing app, Silo, offers an expertly managed discretionary portfolio and intelligent tools to help you save and invest, little and often. 

Designed for those who are newer to investing or seeking to contribute smaller amounts into an ISA or JISA on a regular basis, Silo is ideal for simple saving and investing. 

Silo helps you to save effortlessly and invest expertly - for you and your family - making it easier to start earlier in life. 

Capital at Risk

Please do remember that as with all investments, your capital is at risk. Past performance is not an indication of future performance. Tax treatment depends on individual circumstances and may be subject to change. 

What is included with our investing app?

Silo offers a simple and convenient way to start saving and investing, with the added assurance that a team of experts will be managing your investments. Every Silo user benefits from: 


  • A choice of accounts from General Investment Account, Stocks and Shares ISA or Junior ISA  
  • Expertly managed investment portfolios to suit your saving and investing goals 
  • No minimum monthly investing requirement so you can save and invest comfortably 
  • Access to withdraw money in-app, at any time without fees 


However you prefer to save, the Silo team expertly invests on your behalf into a portfolio of funds chosen specifically for you, and managed by the experts at Killik & Co.

Silo Iphones

New to investing?

We believe anyone can invest successfully and have a long history of making investing easier to understand. Whether you want to learn about how to invest, types of investments, or how the markets work, we offer a range of videos and guides to help you get started.

Learn more

What is unique about our investing app?

Silo is more than just an investing app. Powered by an award-winning firm with over three decades of investing expertise, our mission since 2019 has been to deliver an innovative, digital-only investment solution. 

Intelligent Silos

Tailored suggestions help you calculate how much you can comfortably afford to save, based on your income and spending habits.

Intelligent rules

Personalised saving rules allow you to save a percentage of what you spend. For example, save 5% of the total amount spent in your favourite cafe.

Silo Gift

Invite family and friends to contribute directly into a child’s Junior ISA to celebrate any occasion and help their savings grow faster.

Silo Boost

Our faster payments feature lets you top up your account anytime, anywhere - so you can boost your savings when you feel more financial freedom.

Save your way

Set up automatic payments on a monthly or weekly basis so all you need to do is sit back and let our experienced team invest on your behalf.

Smart and secure

Your savings are in safe hands with our investing app secured by bank level 256-bit TLS encryption.

How our investing app works

Tell us a bit about you

When you apply for a Silo account, we will ask you some questions about your income and your attitude to investment risk.

Save and invest, with Silo

Download Silo now and get invested. The power to start investing is in your hands. 

Install Silo now

Want to know if Silo is right for you?

Here are a few questions that people often ask. We also answer more questions about how Silo works in the app and have a friendly and dedicated support team.  

Frequently asked questions about our investing app

Who can apply for a Silo account?

To apply for a Silo account, users must be:

  • British citizens or UK residents with at least 3 years UK residential history
  • Not a US citizen or Green Card holder
  • Do not have any existing payday loans
  • Are 18 years or older

Is there a minimum or maximum that I can save into Silo?

No, there is not a minimum or maximum amount you are required to save with Silo

How am I invested?

Silo is a discretionary service, the plan we recommend is based on the information you provide. Your money will be spread across up to 16 different investment funds, all of which contain a wide range of different holdings, so you never have all your eggs in one basket (what Investors term a well-diversified portfolio). You will be able to see a breakdown of exactly where your money is invested on the ‘Portfolio’ page in the app.

How long does it take to set up my account?

Creating a Silo account and connecting to your bank account should take no more than fifteen minutes, providing you have all your documents in order. We’ll need to ask you a few questions designed to ensure that Silo is suitable for you, before getting you started.

For legal guardians looking to open and manage a Junior ISA (JISA), they would need to:

  • Open a General investment account or
  • Open an ISA 

And then apply for a JISA.

Can I transfer existing ISAs and JISAs into Silo?

Yes, you can transfer your Stocks and Shares Individual Savings Account ( ISA ) or Junior ISA from your provider to Silo any time. If you have any questions about how, please contact our support team at [email protected]

Who can open a Junior ISA?

Junior ISAs can only be opened by an individual who has parental responsibility for a child who is under the age of 18 and lives in the UK.

You must have an account with Silo to open a Junior ISA, meaning you will be the Registered Contact for the account.

When your child turns 18, they will become the Registered Contact and their JISA will transfer automatically to an ISA. This means they can keep investing in their ISA, transfer it somewhere else or withdraw some or all of it.

What are the fees?

There are two separate charges that apply: 

Killik & Co’s fees – This covers the cost of powering Silo and is 0.75% of your total portfolio per annum. Fees are collected automatically on a monthly basis. 

Fund Manager fee – Each fund you are invested in has a Fund Manager responsible for administering and managing the underlying investments.  The fund manager fee is automatically deducted by the Fund Manager and is estimated to be between 0.20% and 0.50% of the fund value, per annum. 

Is my money safe?

The app is secured by bank level 256-bit TLS encryption. 

Killik & Co are authorised and regulated by the Financial Conduct Authority.

We will treat you as a ‘Retail Client’ which means you get the highest level of protection under the FCA’s rules. Your investments will be registered in the name of FNZ Securities Limited in accordance with the safe custody rules of the FCA.  This means they are kept separate from our and the Custodian’s own investments. Investments are pooled with those of other Silo clients. The Custodian makes sure that at all times it knows which investments belong to which client and is required to make regular reports to the FCA that this is the case. In the unlikely event that the Custodian went bust and was unable to pay any claims against it, you may be entitled to compensation from FSCS for investments up to a value of £85,000.

Can I easily access my money once it is invested?

Your money will remain in your Silo Account until you instruct us to pay any or all of it from your Silo Account to your Bank Account. Withdrawals can only be requested by you logging into the App.  We will generally pay amounts held in cash within 5 - 7 business days Business Days of receiving your request.

To sell investments and pay the money to your Bank Account may take up to eleven Business Days.  The value of your investments may change between the date of your request and the date the sales are made.

Does Silo provide financial advice?

Silo does not offer financial advice. Silo is a discretionary investment service, meaning Killik & Co's team of investment professionals will make decisions on your behalf. 

Are you part of the CTF Register?

Yes, Killik & Co and Silo are part of the CTF Register.  You can read more on how this works here.