Our Accounts

With a Bank of Scotland Share Dealing Account you can trade on seven world markets in a variety of investments.

• Trade online or over the phone.
• Invest in UK or international shares, funds, bonds, gilts, investment trusts and Exchange Traded Funds (ETFs).
• Buy shares on seven world markets.
• Real-time online dealing from £11.95 commission.
• Dedicated Research Centre so you can keep up-to-date with all the latest market news and prices.

How much does it cost?

Online trading costs £11.95 per trade (plus stamp duty) for both UK and international shares. You can trade over the phone with prices starting at £25 for UK stocks (plus stamp duty) and £11.95 for all international trades.

Foreign currency conversions are required to facilitate the settlement of international transactions. We apply a charge of 1% either side of the available exchange rate when buying and selling international securities. The available exchange rate is based on the exchange rate provided by Digital Look. Indicative exchange rates are provided prior to trading, and the rate applicable to the individual trade is confirmed on the contract note once the deal has been completed.

You can also invest using a scheduled monthly investment plan from £2 commission. View our full list of charges.

What are the risks?

All stock market investments involve a degree of risk and you might not get back the full amount you invest. Find out more about the risks involved.

Apply for an account

If you're thinking of applying for a Bank of Scotland Share Dealing Account, please make sure you've read, and taken the necessary steps to understand, the Important Information and Key Risks of share dealing.

With the Bank of Scotland Stocks & Shares ISA, you can invest in shares, funds, gilts, bonds and more tax-efficiently. The current ISA annual limit is £11,520* and all of your investments are free from Capital Gains Tax however you must remember that this does depend on your individual circumstances and tax laws may change.

How much does it cost?

Online trading costs £11.95 per trade (plus stamp duty) for both UK and international shares. You can trade over the phone with prices starting at £25 for UK stocks (plus stamp duty) and £11.95 for all international trades.

Foreign currency conversions are required to facilitate the settlement of international transactions. We apply a charge of 1% either side of the available exchange rate when buying and selling international securities. The available exchange rate is based on the exchange rate provided by Digital Look. Indicative exchange rates are provided prior to trading, and the rate applicable to the individual trade is confirmed on the contract note once the deal has been completed.

You can also invest using a scheduled monthly investment plan from £2 commission.

The administration charge for our Stocks & Shares ISA is 0.05% per month, with a minimum of £2.16 and maximum of £8.33 (plus VAT, paid half-yearly). View our full list of charges.

What is the current annual ISA limit?

The current annual ISA limit is £11,520*. You can choose to invest your full allowance into a stocks and shares ISA. Alternatively, you can save up to £5,760 in a cash ISA with another provider and put the remainder into a stocks & shares ISA.

*UK Tax laws and individual personal circumstances can change.

What are the risks?

All stock market investments involve a degree of risk and you might not get back the full amount you invest. Find out more about the risks involved.

Apply for an account

If you're thinking of applying for a Bank of Scotland Stocks & Shares ISA, please make sure you've read, and taken the necessary steps to understand, the Important Information and Key Risks of share dealing.

Investing in funds gives you cost effective exposure to a much wider range of investments than you would be able to obtain as an individual. Spreading your money between different sectors, indices or geographical locations can help to reduce the risk involved in stock market investing.

How much does it cost?

The Bank of Scotland Funds ISA gives you all the tax benefits of a Stocks & Shares ISA but without any dealing commission or administration fees to pay. We also offer reduced initial charges on hundreds of funds.

Online trading costs £11.95 per trade (plus stamp duty) for both UK and international shares. You can trade over the phone with prices starting at £25 for UK stocks (plus stamp duty) and £11.95 for all international trades. You can also invest using a scheduled monthly investment plan from £2 commission. View our full list of charges.

What is the current annual ISA limit?

The current annual ISA limit is £11,520*. You can choose to invest your full allowance into a stocks and shares ISA. Alternatively, you can save up to £5,760 in a cash ISA with another provider and put the remainder into a stocks & shares ISA.

*UK Tax laws and individual personal circumstances can change.

What are the risks?

All stock market investments involve a degree of risk and you might not get back the full amount you invest. Find out more about the risks involved.

Apply for an account

If you're thinking of applying for a Bank of Scotland Funds ISA, please make sure you've read, and taken the necessary steps to understand, the Important Information and Key Risks of share dealing.

A SIPP, or Self Invested Personal Pension, is one of the most tax-efficient ways you can save for your retirement. You can transfer in a lump sum or save regularly and use your pension fund to invest in shares, funds, bonds and more.

Like all pensions, you pay no Capital Gains Tax, receive tax relief on your own contributions and can take 25% of your pension fund as a tax-free lump sum from the age of 55. The tax benefits you receive will depend on your individiual circumstances and tax laws can change.

Our SIPP is provided by AJ Bell, one of the leading pension providers in the UK.

How much does is cost?

Online trading costs £11.95 per trade (plus stamp duty) for both UK and international shares. You can trade over the phone with prices starting at £25 for UK stocks (plus stamp duty) and £11.95 for all international trades.

Foreign currency conversions are required to facilitate the settlement of international transactions. We apply a charge of 1% either side of the available exchange rate when buying and selling international securities. The available exchange rate is based on the exchange rate provided by Digital Look. Indicative exchange rates are provided prior to trading, and the rate applicable to the individual trade is confirmed on the contract note once the deal has been completed.

You can also invest using a scheduled monthly investment plan from £2 commission. View our full list of dealing charges and SIPP administration charges.

Important SIPP Documents

Investing in a SIPP can be complicated so please make sure you’ve read the important documents below and taken the necessary steps to understand all of the potential risks before opening a SIPP.

• Key Features
• Risk Warnings
• SIPP Scheme & Service Terms and Conditions
  
• Benefits Guide
• Carry Forward Guide
• Flexible Drawdown Declaration
  
• Flexible Drawdown Guide

Useful Forms

• Direct Debit Instruction
• Additional Contribution Form
• Transfer Form
  
• Benefit Form
  

What are the risks?

All stock market investments involve a degree of risk and you might not get back the full amount you invest. Find out more about the risks involved.

Apply for an account

If you're thinking of applying for a Bank of Scotland SIPP, please make sure you've read, and taken the necessary steps to understand, the Important Information and Key Risks of share dealing.

Download a SIPP application pack

Whether you are new to the stock market or just want to practice some new trading strategies, our Fantasy Trader Account can help you perfect your trading abilities, risk-free.

It’s very simple. Open an account and we give you £10,000 virtual cash to trade with. Once you’ve registered you can also join our fantasy league where you can compare your performance against our other fantasy traders. Why not see if you can top the leaderboard…