GET EXPERT FINANCIAL COACHING

- Speak to a certified financial coach about your goals
- Our coaches will work with you to make your goals a reality
- We'll help you at any financial stage - buying your first house, saving for retirement, creating an emergency fund, starting to invest
- Feel confident, motivated and inspired about your financial future

GET 2% ON YOUR CASH

- Get the market's best rate on your cash
- 2% bonus available up to £3000
- Save your financial goals faster
- Cash pots are covered by the FSCS, and saved in a NatWest account

INVEST FROM £10

- Get started quickly & easily with a Claro Stocks & Shares ISA
- Choose from our 9 portfolios, hand-picked by our investment experts
- Portfolios are in themes such as "Big Tech" and "Conscious Lifestyle", meaning you can invest in line with your interests and values. Invest in companies such as Tesla, Netflix, Apple and Amazon.
- Each themed portfolio is available in 3 risk levels so you can get started with investing at a risk level that's right for you
- Transparent investing fees, and no platform fee up to £2,500
- Everything is done for you - our in-house investment team actively look for better return options and rebalance your portfolios if the market changes
- Portfolios are diversified and a mixture of stocks & bonds
- ESG data for each portfolio means you can choose to invest ethically
As with all investments, your capital is at risk.

SET SMART GOALS

- Set an unlimited amount of goals, such as "save for retirement" or "start investing"
- Your financial coach can help you set these goals
- Select your target amount and timeline
- Choose different cash or investment products for each goal, so you can make your money work as hard as possible

MANAGE YOUR SPENDING

- See your spending and income from all your bank accounts in one place
- Understand where your money is being spent across different categories so you can budget better
- 70% transactions automatically categorised vs. 30% industry average
- Customise your categories to suit your lifestyle

LEARN ABOUT FINANCE

- Learn about finance with exclusive in-app content
- Read expertly written articles to help you achieve your financial goals

SAFE & SECURE

- We support biometric security (face & fingerprint ID)
- Any sensitive data we hold is stored using symmetric cryptography (AES)
- We use 256-bit TLS encryption to communicate with our servers

Our investment fees:

- Platform fee: free up to £2500 and then 0.45% per year
- Portfolio fee: average 0.19% per year
- Market spread: average 0.05% per year
- No hidden fees
- No withdrawal fees or limits

Claro Wealth Limited is registered with the Financial Conduct Authority as an appointed representative of WealthKernel Limited which is authorised and regulated by the Financial Conduct Authority.