Getting started on the CMC Invest app

In this guide you’ll learn how to:

• Add and withdraw money from your CMC Invest account

• Set up regular deposits

• Browse shares, ETFs and funds, and identify potential investments

• Switch to CMC Invest Plus and Premium plans

Important: This information is for guidance purposes and may become out of date at any given time. It is not investment advice. Investments can rise and fall in value. We won’t make any assessment of whether the investments you choose are appropriate or suitable for you. If you are unsure of the suitability of any investment, investment service or strategy, you should seek independent financial advice. Past performance does not indicate future results. Tax treatment will depend on your individual circumstances and could potentially change in the future. Capital is at risk.

Funding your account

On the home screen of the CMC Invest app, you’ll see your accounts listed. If you’ve just completed your registration, you’ll probably only see your General Investment Account here.

Selecting your account will take you to a screen asking you how much you’d like to deposit into your account. Enter an amount and select ‘Continue’. You’ll then be prompted to enter your debit card details. Once entered, these will be saved for the next time you want to top up your account.

Once you’ve entered your card details, confirm your deposit to complete the transaction. Your bank may ask you to confirm the transaction if you’re enrolled in 3D Secure.

Withdrawing cash from your account

In each account screen, you’ll see your cash balance displayed. Tapping on this will take you to your wallet, where you can see how much you can invest and withdraw. You can withdraw any cash that has settled following the sale of an investment, or is yet to be invested.

On the right-hand side, below your balances, you’ll see a button to withdraw cash. Once you select this, you’ll be prompted to enter the details of the bank account you want to withdraw to. Once these details have been entered, you’ll be asked to input the amount you want to withdraw. Confirm by selecting the ‘Withdraw now’ button. The cash will be deposited in your bank account in 3-5 business days).

Setting up regular deposits

To set up regular deposits, select the ‘Add cash’ button on the home screen of the CMC Invest app and choose ‘Set up regular deposits’. You’ll be directed to a screen containing the necessary details to set up a standing order with your bank.

If you change your mind, you can cancel this standing order at any time by getting in touch with your bank.

Finding assets to invest in

Once you’ve funded your account, you can start putting your money to work.

At the bottom of the app, selecting the discover icon (which looks like a small magnifying glass) will take you to a screen where you can search for shares by entering the company’s name or symbol into the search bar. You can also search for ETFs, funds and Investment Trusts.

You’ll also see shares filtered by country (ie US, UK and Germany), lowest P/E ratio, highest dividend, and recent top-moving and most-popular shares. You can also identify potential investments by filtering by sector or ESG score. At the top of the screen, you can toggle between shares and funds to see top-moving and popular funds and ETFs.

Once you’ve identified an asset you want to buy, select it and hit the Buy’ button. Enter the number or value of the shares you’d like to buy – you can toggle between these options at the top of the screen. If the market for the stock is open, you can buy it immediately. If it’s closed, you can place a limit order.

All the assets you’ve invested in will be listed under the ‘Your holdings’ tab on the account screen.

Switching to Plus or Premium

To open a Flexible Stocks & Shares ISA or access additional assets, you’ll need to switch to the CMC Invest Plus plan. To open a Self-invested Personal Pension, you’ll need to switch to the Premium plan.

To do this, go to your profile in the app by tapping on the icon in the top-left of the home screen. Then select; Your plan’, swipe right to ‘Plus or Premium plan’, tap on the ‘Switch to Plus’ or ‘Switch to Premium’ button and follow the instructions. You’ll see the details relating to your new plan, including information about any fees. Once you’ve confirmed you’d like to go ahead, we’ll send you a confirmation in the message centre.

Want to learn more? Why not find out about transferring accounts, using limit orders or accessing ESG data in the CMC Invest app?