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Could investing help your money do more?
Whether you want expertly managed portfolios or prefer to pick and choose yourself, we’ve got different investment options to suit your goals.
Find the right account for you
We’re here to help you make the most of your money, your way.
Ready-Made Investments
Whether you’re familiar with investing or trying something new, get started with a Ready-Made Investment. Built and managed by our experts, they’ll do all the hard work for you.
- A flat account fee of £3 per month. Ongoing charges of 0.1% and transaction costs, which vary depending on the fund but are currently no greater than 0.14%.
- Cautious fund – aims for modest growth but has less risk than the medium or high-risk funds.
- Balanced fund – balances risk and reward while aiming for growth.
- Adventurous fund – aims to maximise growth but takes higher risks to achieve this.
Ready-Made Pensions
Sit back and relax while our experts manage your pension for you. Apply in the app or online and our experts will do the rest.
- Our experts manage your pot in a way that suits your age and retirement timeframe.
- If you’re years away from retiring, they’ll invest to give you the best chance of growth. As you approach retirement, your portfolio moves into lower-risk investments to help protect your pension’s value.
- We then help guide you in accessing your pension savings when the time is right.
- You can keep track of your pension and make additional contributions anytime using the Bank of Scotland mobile banking app.
Stocks and Shares ISA
Pick your own stocks and shares from a wide range of investments.
- Invest up to £20,000 in this tax year and pay no Capital Gains or UK Income Tax on any profits.
- No dealing commission is charged for international online trades. FX rates still apply.
- Access our full range of shares, ETFs and Funds. Use our ETF Quicklist and Funds Select List to make selecting investments simple and easy.
- Invest without the trading fees within a Regular Investment Plan.
Self-Invested Personal Pension (SIPP)
You can transfer pensions from as little as £1 into your SIPP, so no matter how small the pot, you don’t have to worry about losing track of it.
Not sure if this is right for you? Read about combining your pensions.
- Tax relief: Receive instant tax relief at the basic rate on contributions.
- Complete control: You decide how you invest and how to take your pension.
- Wide investment choice: Our SIPP Builder could help find the right investments for you.
Explore your options
We want to make sure you know about our other product options. Here are some that might suit you.
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