Multiply: Save & Invest 4+

Advice, investments, savings

Multiply AI Limited

Designed for iPhone

    • 4.3 • 94 Ratings
    • Free

iPhone Screenshots


Hit your goals with a financial adviser by your side.

Save and invest into market-leading, FSCS-protected accounts with a tap. Multiply is authorised and regulated by the FCA.

**First-time buyer?**

- See what you can buy and when
- Save your deposit with a 1.5% fixed-rate Lifetime ISA
- Get your finances mortgage-ready
- Get guidance through each step of the homebuying process
- Find a mortgage deal in a few taps through our partner mortgage adviser

**Interested in investing?**

- Open a low-fee Stocks & Shares ISA to grow your money over the long term
- Invest with confidence in funds that have been hand-picked for you
- Make your first investment with just £10

**How our advice works**

1. Tell us about you. Enter how much you earn, spend, own and owe so we can help you set your targets. Data is encrypted and stored securely.
2. We do the maths. We create your personalised advice to hit your goals in the right way for you.
3. Start making moves. Put your advice into action: open the right accounts with a tap and set up autosaves for the right amounts.

**Available through Multiply:**

- FCA-regulated financial advice
- Lifetime ISA with market-leading 1.5% interest rate
- Instant access savings pot
- Low-fee Stocks & Shares ISA with fund recommendations
- Low-fee General Investment Account with fund recommendations

Our tech takes nearly everything there is to know about money and turns it into impartial advice for anyone who needs it. No more trawling through forums or comparison sites – Multiply shows you everything you ought to be doing with your money.

You’re going to do great, great things, you just need to start.

You can get started for free. We charge £1 a month if you open a Stocks & Shares ISA, or General Investment Account.

Note: As with all investments, your capital is at risk if you choose to invest.

What’s New

Version 3.0.1

We've made some changes for better performance.

Ratings and Reviews

4.3 out of 5
94 Ratings

94 Ratings

elderberry souffle ,

Best Lifetime ISA rate and so easy to use

Really impressed with the Multiply app and wider offering!
I am aiming to buy my first home some time in the near future. The app helped me to gain perspective on my finances and was so easy to use. I set my profile up in minutes and have been using it for a number of months now, getting great results on my savings and free advice.
It has the best Lifetime ISA rate I have seen - which helps me to reach my savings goals sooner!
Fantastic app, I could not recommend more.

Developer Response ,

Hey there! Great to hear you're enjoying saving with Multiply. Thanks so much for taking the time to leave a review - we really appreciate your feedback. Give us a shout any time if you have any questions or suggestions. Thanks, Team Multiply

NSGoat ,

Great concept but work to be done

I really wanted to love and trust this app but sadly this isn’t these case. The money direct debited does not correlate with what’s in my account. And, the account total differs from the sum of the funds and unallocated cash in my portfolio.

The transaction history links to documents that have been deleted. The withdrawal page doesn’t allow me to input the amount I want to withdraw so I am unable to (probably work on the simulator with but was not tested on a real device).

With bugs like this (or incomprehensible UX&D) I am not able to trust the app to hold my money securely… but am not able to withdraw it either.

Update following developer response (thank you):
- Documents links work now ✅
- I can now enter a withdrawal amount… but there is no decimal point so can only withdraw whole pounds… so cannot withdraw the 63p profit 😔 Backgrounding on withdrawal screen and reopening app introduces missing keyboard bug.
- When I try to withdraw the ‘available amount’ it says I don’t have enough (I presume because you are rounding up to the nearest pound 🤦‍♂️).
- I have £10 uninvested cash that I cannot withdraw or invest. Is it actually only invested if greater than £10 rather than greater or equal to?

Reduced from 2 star to 1 due to more bugs unconvered after supposed fix.

Developer Response ,

Hi there. Firstly, thank you for this feedback. We’re really sorry that you had problems with the app. It sounds like your account was affected by a technical issue last week, which should now have been fixed.

We can assure you that your money remains secure and withdrawals should be available as normal. Please be aware that withdrawals from an investment account can take up to 2 weeks as the stocks and shares need to be sold.

Please could you contact our support team at so we can take a look at your account and make sure all issues are resolved.

Team Multiply

telder_ ,

Best Lifetime ISA out there

Knew I wanted to buy a home and get a mortgage but didn’t know how to go about it. This app answered my questions and now has me saving in a Lifetime ISA with the best interest rate I could find.

Apparently it will help me get a mortgage too but I haven’t got that far yet.

Some other reviews mentioned that it asked for too much information, but how else are they going to give me advice??? I found it reassuring that it was personalised to me.

App Privacy

The developer, Multiply AI Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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