Financial Future Hub
Financial Future | Bank of Scotland

Savings and investments

Savings accounts offer a low-risk and accessible way to look after your money. If you’re looking to make some of your money work harder, you might also consider investing.

Remember, the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek independent advice. Tax treatment depends on personal circumstances and may be subject to change.

Savings tips

Top tips for saving money. Grow your savings and discover ideas to help you save more.  

Tips to help you save

About ISAs

ISAs (Individual Savings Accounts) are flexible and allow you to save or invest tax efficiently. 

Your ISA options

Savings Calculator

Plan your savings with the help of our calculator. It shows you how much or how long it will take to reach your goal. 

Plan your savings

Ways to save

Instant access, fixed term, children’s accounts and more. Compare savings accounts and find the right one for you.  

Savings options

Ways to invest

Manage your own investments or let us do it for you. We have a range of options to suit all levels of experience. 

Investment options

6 things to consider when trading

The six 'need-to-know' essentials when investing in a volatile stock market.

 

Read more

5-step guide to investing

New to investing? Read the beginner’s guide to get you started in five simple steps.  

 

 

 

Beginners guide

Boost your investment skills

Easy-to-read articles to boost your skills and learn more about investing. 

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Risk explained

Informed choices come from understanding risk. Discover the different types of risk and how it affects your investments. 

Read our helpful guide

How much does it cost?

Want to know more about potential fees? Take a look at our investment charges and see how we compare with other providers.

Investment charges

Your investor persona

This interactive quiz can help you discover what type of investor you are – and help boost your skills. 

Take the quizOpens in a new tab

Investment advice

Get expert advice from our partners at Schroders Personal Wealth. It all starts with a free, no obligation chat, then a financial plan that’s tailored to you.

Eligibility criteria applies. Fees and charges may apply.

Get expert advice

Research the market

Our research centre helps you stay up-to-date with the latest market news. 

View our research centre
Financial Future | Bank of Scotland

Your retirement

Whatever stage of life you’re at – nearing retirement, already retired or just starting to think about it – we can help you make the most of your pension options.

Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan when you decide to take your benefits which isn’t guaranteed and can go down as well as up. The value of your plan could fall below the amount(s) paid in.

Planning ahead

Even if retirement feels far away, it’s a good idea to start a pension pot. Start planning your goals for retirement. 

Pension tips for the under 50s

Preparing to retire

If you’re over 50 and considering the next step, we can help get you retirement ready with the right resources.  

Pension tips for the over 50s

Transfer your pensions

Transfer different pension pots to one place and you could save time and money in the long run.

Find out how

Closing the pension gender gap

Find out why there is a difference between women and men when it comes to retirement savings, and what you can do about it.

Courtesy of our pension experts at Scottish Widows.


 

The pension gapOpens in a new tab

Money in retirement

Read up on some top tips for making the most of your money in retirement. 

Courtesy of our pension experts at Scottish Widows.

Retirement tipsOpens in a new tab

Pension calculators & tools

Use these tools to see what your pension could look like.

Courtesy of our pension experts at Scottish Widows.

Find out howOpens in new tab

Meet your future self

Take a look into the future and find out at what age you could retire.

Courtesy of our pension experts at Scottish Widows.

 

Get startedOpens in a new tab

Plan for your future

Expert pension guidance from Scottish Widows. With over 200 years’ experience helping people prepare for their later years, you’re in safe hands. 

Courtesy of our pension experts at Scottish Widows.

Start planningOpens in a new tab

Pension advice

Get a financial plan tailored to your needs from our wealth management partners at Schroders Personal Wealth.

Eligibility criteria applies. Fees and charges may apply.

Get expert advice

Get the pensions basics

Watch the Pension Basics videos to get useful tips to help you plan for retirement.

Courtesy of our pension experts at Scottish Widows.

Watch nowOpens in a new tab

COVID-19 support tool

A helping hand if your finances have been impacted by COVID-19. 

Get support
Financial Future | Bank of Scotland

Your home

If you’re considering buying a property or looking to make some improvements, we’re here to help you take the next step. We are proud to offer mortgages provided by Halifax.

You could lose your home if you don’t keep up your mortgage repayments.

Buying your first home

Our guide takes you through the seven key steps of buying a house in Scotland.

Seven key steps

How green is your home?

Our Home Energy Saving tool by Halifax could help you to reduce your carbon footprint and make more sustainable choices for your home.

Home Energy Saving ToolOpens in a new tab

Want to pay off your mortgage sooner?

Use our handy calculator to find out how much you could save by overpaying on your mortgage. 

Overpayment Calculator

First-time buyer mortgages

When you’re ready to buy your first home, this handy guide can help you with every step. 

Mortgage guide

More from your mortgage

If you already have a Halifax or a Bank of Scotland mortgage, you may be able to borrow more for home improvements. 

Mortgage options

Buy to let mortgages

Five steps to find the right buy to let mortgage – whether it’s your first or you’re adding to your portfolio. 

Buy to let guidance

Remortgage with us

Thinking of remortgaging? Use our simple tool to find the right option for you. 

Remortgage options

Mortgage calculator

See how much you could borrow and calculate your monthly repayments. 

Calculator and tools

Life Insurance

Life Insurance offers you peace of mind. A lump sum could help pay off your mortgage and any loans or bills. 

More about Life Insurance
Financial Future | Bank of Scotland

Expert financial advice

Getting the right advice can make all the difference. That’s why we’ve partnered with Schroders Personal Wealth to give you access to their expert advisers. 

Am I eligible?

You’ll need to have at least £100,000 of sole/joint savings, investments and/or personal pensions, and/or £100,000 of sole annual income. 

Check eligibility

How much does it cost?

It all starts with a free, no-obligation consultation. You’ll only pay an agreed fee if you want to go ahead with the advice. 

What you'll pay

Pension planning

Plan for greater financial freedom in your retirement. Access expert advice to plan for your pension. 

Pension advice

Investment management

Even in a volatile market with low interest rates, find out how Schroders Personal Wealth could help you grow your wealth.

Get expert advice

Inheritance

Help to pass on your wealth to your family, or other beneficiaries, in a tax-efficient way.  

Pass on your wealth

Protect you and your family

Protection for peace of mind. Schroders Personal Wealth won’t take a commission for getting you and your family protected. 

About protection

Talk to an expert

Speak to a Schroders Personal Wealth adviser from the comfort of your own home. It’s easy to do via our online video chat or by phone. Book your free, no obligation appointment.  

Book your appointment