# Silo — Intelligently Save and Invest > Automated investment service for ISAs and general accounts with expert fund management. (iPhone/iPad app by Killik & Co LLP.) - Source: https://appshunter.io/ios/app/silo/id1263119818 (this page in markdown: same URL + `.md`) - Developer: [Killik & Co LLP](https://appshunter.io/developer/335021913) - Category: Finance, Lifestyle - Price: Free - Rating: 5.00/5 from 1 App Store ratings · 13 written reviews indexed - Age rating: 4+ - Requires: iOS 12.0 · 61 MB - Languages: English - Released: 2022-09-01 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/silo/id1263119818/reviews.md ## What is Silo? Silo is a straightforward introduction to the world of investing. • Offering ISAs, Junior ISAs and General Investment Accounts. • Silo will invest on your behalf into a selection of 16+ global funds. • All funds are hand-picked and managed by experts at Killik & Co. With Silo you can save and invest in several ways: • Schedule weekly or monthly automatic savings with Direct Debit. • Top-up your savings with Faster Payments. • Activate Intelligent Silos to calculate how much you can comfortably afford to save. • Set saving rules e.g., save 5% of the total spent in your favourite coffee shop. • No minimum contributions, so you can save and invest comfortably. • Invite family and friends to directly contribute into a Junior ISA with Silo Gift. However you choose 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. How is my money invested? • When you apply for a Silo account, we will ask you some questions about your income and attitude to investment risk. • We will recommend the most suitable investments for you, based on the information you give us about your current financial circumstances. • We offer five different investment plans, each consisting of up to 16+ funds. • The funds you will be investing in are chosen and monitored by the award-winning investment team at Killik & Co. • Silo is a discretionary investment service, meaning your investments are chosen and managed by our in-house team of investment experts. In other words, we make all the investment decisions on your behalf so that you don’t have to. Why Silo? 30 years of investing expertise Silo is part of the Killik & Co group, who have over 30 years’ experience and over £7 billion assets under management for some 20,000 clients. Access and support View and access your account 24/7 from the palm of your hand. Our experienced team of real people are on hand to help you Monday to Friday 9am to 5:30pm. Safety and security Silo operates with bank-level 256-bit TLS encryption. Withdrawal You can access your money at any time without charge. Our fees - there are two separate charges that apply: • 0.75% of your total portfolio per annum. Fees are collected automatically every month. • Fund Manager fee is between 0.20% and 0.50%. Fees are automatically calculated and deducted by the fund manager. Your assets Your assets are held securely by Killik Nominees Ltd and further protected by the FSCS, as well as being authorised and regulated by the Financial Conduct Authority. Risks As is the nature of investing, there are inherent risks involved meaning the value of your investments will both rise and fall over time. Please do not assume that past performance will repeat itself and you must be comfortable in the knowledge that you may receive less than you originally invested. Silo is a trading name of Killik Intelligent Savings Limited, which is authorised and regulated by the Financial Conduct Authority (FCA number 710328). Registered in England and Wales No 09449583. Part of the Killik & Co group, 46 Grosvenor Street, London W1K 3HN. ## Key features - ISAs, Junior ISAs, General Investment Accounts - Automated investing into 16+ global funds - Expert-managed portfolios by Killik & Co - Scheduled weekly/monthly savings - Intelligent Silos for affordable saving - Customizable saving rules - Family contributions to Junior ISAs ## Recent user reviews (10 of 13) All indexed reviews: https://appshunter.io/ios/app/silo/id1263119818/reviews.md ### 3/5 — Silo has an okay foundation, but needs some improvement *2025-04-23, version 23.7.6.1* User of 5 years here: In a market where transparency and real-time insight are becoming standard, Silo feels a bit behind. While it’s not designed for active trading, it would still be helpful to see how the underlying stocks are performing — even just for transparency and user engagement. Knowing where your money is going adds value, even if you’re not making day-to-day decisions. The performance tracking is also lacking — showing only total returns since inception doesn’t give an accurate picture. A year-on-year breakdown would provide better context for how investments are actually doing. The weekly insights and quarterly reviews are a nice idea, but they’re not easy to interpret if you’re not finance-savvy. Some simplification or explanation would go a long way in making them more useful to the average user. On the technical side, the app hasn’t been updated in over a year and has some frustrating bugs — for example, being prompted to log in again every few uses. For an investment platform, that kind of friction really affects trust and usability. Silo has a solid foundation, but it needs more frequent updates, improved transparency, and a more intuitive user experience to truly meet the expectations of modern investors. ### 2/5 — Difficult to use *2025-01-13, version 23.7.6.1* This is a reasonable investment firm and the app is good for showing balances and account information. However, it has a complex and difficult-to-trust dynamic for making further investments which is really off putting. They need to make this function easier and obviously safer. It would also help if they didn’t use ridiculous buzz words like ‘Boost’ but instead spoke in plain English (like ‘Add funds to your account’). ### 1/5 — Log in *2023-11-12, version 23.7.6.1* Impossible to log in. Link is always expired. ### 1/5 — Would give zero stars *2023-05-21, version 2.12.4* My daughter had a child trust fund with another provider who stopped doing this type of account, they transferred her account to here in September 2020. She turned 18 a few weeks ago and her account appears frozen since then. Overall the account is worth less than I have paid in and I’m glad I don’t have to waste any more money (minimum payment of £25 each month). I now have to try and work out how to retrieve her money as they app doesn’t let me read or check if there are any messages. ### 1/5 — Takes its time to give you your money *2023-05-10, version 2.12.4* Been waiting over 2 weeks for my money just to be told I have to wait another week and they take money from you every so often so you end up losing money ### 2/5 — Nice app but not the best investment *2022-10-13, version 2.11.8* Every time I look at this app I have lost more money. It’s become a standing joke except it’s not that funny to think how much more money I would have had if I just stored it under my mattress:-( ### 5/5 — Fantastic app *2021-10-13, version 21.9.27.1* 7/7 would put more money in if I wasn’t poor. ### 3/5 — Great App *2021-04-25, version 20.3.10.1* A great, easy to use, savings app. Would highly recommend - only issue I have with it is that every couple of days it logs me out and I have to sign back in via an email which is very tedious. ### 5/5 — Miguelarama *2021-03-30, version 20.3.10.1* 👍 ### 5/5 — Excellent *2020-12-22, version 2.2.0 (20.12.15.1)* I’ve been using Silo for over 9 months now. Obviously investments are for the longer term but my account is already giving way better returns than any savings accounts on the high street and the app itself gets better and better with every update ## Frequently asked questions about Silo ### What types of investment accounts does Silo offer? Silo offers Individual Savings Accounts (ISAs), Junior ISAs (JISAs), and General Investment Accounts (GIAs). This allows for a range of investment goals and tax-efficient savings. ### How does Silo invest my money? Silo invests your money into a selection of over 16 global funds that are hand-picked and managed by experts at Killik & Co. The specific investments are recommended based on your income and attitude to investment risk, with five different investment plans available. ### Can I set up automatic savings with Silo? Yes, you can schedule weekly or monthly automatic savings using Direct Debit. You can also top up your savings with Faster Payments and activate 'Intelligent Silos' to determine how much you can comfortably afford to save. ### What are the fees associated with using Silo? There are two main fees: a 0.75% annual fee on your total portfolio, collected monthly, and a Fund Manager fee ranging from 0.20% to 0.50%, deducted automatically. There are no minimum contributions required. ### Is my money safe with Silo? Silo operates with bank-level 256-bit TLS encryption for security. Your assets are held securely by Killik Nominees Ltd, protected by the FSCS, and the service is authorised and regulated by the Financial Conduct Authority. ### Can I access my money whenever I want? Yes, you can access your money at any time without incurring any charges. This provides flexibility for your investments. ### How often is Silo updated? Silo was last updated on August 3, 2023, with version 23.7.6.1. This indicates regular updates to maintain functionality and security. ### Does Silo have ads? No, Silo does not contain advertisements. As a free service, its monetization relies on the investment management fees rather than ad revenue. ## Version history (last 5 releases) ### 23.7.6.1 — 2023-08-03 Bug fixes ### 2.12.4 — 2023-04-30 Bug fixes ### 2.12.3 — 2023-01-17 Bug fixes ### 2.11.8 — 2022-09-28 Bug fixes ### 2.11.6 — 2022-08-04 Bug fixes ## Apps similar to Silo | App | Rating | Price | Category | | --- | --- | --- | --- | | [Onepay](https://appshunter.io/ios/app/onepay/id1499761738) | — | Free | Finance | | [Virgin Money Credit Card](https://appshunter.io/ios/app/virgin-money-credit-card/id1435763477) | 4.6 (254) | Free | Finance | | [NOW Wallet: Buy & Swap Bitcoin](https://appshunter.io/ios/app/now-wallet-buy-and-swap-bitcoin/id1591216386) | 4.5 (816) | Free | Finance | | [moomoo: Investing & Trading](https://appshunter.io/ios/app/moomoo-investing-and-trading/id1440255819) | 4.7 (36,187) | Free | Finance | | [Kraken Pro: Advanced Trading](https://appshunter.io/ios/app/kraken-pro-advanced-trading/id1473024338) | 4.7 (25,142) | Free | Finance | | [SmartCitti Car, Home Insurance](https://appshunter.io/ios/app/smartcitti-car-home-insurance/id1242852532) | 5.0 (3) | Free | Finance | ## More apps by Killik & Co LLP - [Killik & Co: Save Plan Invest](https://appshunter.io/ios/app/killik-and-co-save-plan-invest/id1567979400) All apps by Killik & Co LLP: https://appshunter.io/developer/335021913 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*