Make the most out of each tax year

Your tax efficient allowances reset each year, so tax year end is a great moment to top up, start investing, or rethink your goals.

Don’t miss your chance

Tax year allowances reset on 06 April each year. Acting before the deadline gives you an extra opportunity to:

  • use tax efficient ISA allowances
  • reduce the amount of tax you may pay on returns
  • plan ahead with confidence.
 

Changes to tax and allowances

The Autumn Budget announcement had some upcoming changes that could impact you:

  • Rising dividend tax from April 2026.
  • Higher tax on savings from April 2027.
  • Cash ISA allowances reducing from April 2027 for under 65s.

Staying informed can help you make decisions that work for your future. You can find out more about the autumn budget on the GOV.UK website.

Broaden horizons with Bank of Scotland

Whether you’re beginning your investing journey or reviewing your approach for the year, we’re here to help you find options that suit your needs.

Stay on track in the app

From helpful guides to making transactions, manage your whole tax year through your phone.

Do it your way

Choose from ready made investments or pick your own based on how involved you want to be and how you prefer to manage risk.

Find your style

Put your money in motion with one of our ISAs

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Managed by you

A tax efficient way to invest with access to a wide range of options, including funds, shares and more.

Account admin charge:

  • £36 a year

Investment and transaction charges:

  • £9.50 for UK trades  
  • free international and regular investing - fx rates apply.
Stocks and Shares ISA
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Managed for you

Let experts manage your investments for you. A simple option if you prefer a guided approach.

Account admin charge:

  • £3 a month.

Investment and transaction charges:

  • Ongoing fund charges of 0.1%.
  • Fund transaction costs also apply.
Ready-Made Investments

Planning for retirement?

Pensions offer long term, tax efficient ways to save for later life. We provide clear options whether you prefer to be hands on or want expert support.

Pensions

Investing for longer increases the likelihood of positive returns. Over a period of 5 years or more, investments usually give you a higher return compared to cash savings. But investments can go down as well as up in value, so you could get back less than you put in.

Tools and support

If you're looking for guidance before getting started, we offer clear, accessible information to help build your confidence.

ISAs

Learn how ISAs work and how they could benefit your financial plans.

ISA options

ISA support

Information to help you manage or review your ISA.

Managing your ISA

Tax and investing

Understand the key taxes that may affect your investments.

Tax on investments

Tax efficient investing

Explore how to invest your money in a tax-efficient way to maximize its potential and ensure it works as effectively as possible for you.

Invest tax efficiently

Boost your skills

We have a range of easy-to-read content to grow your confidence in investing.

Boost your skills

Getting started online

 

Mobile banking app

  • Join our 1 million app users
  • Simple and secure login.
  • Set up handy notifications.

 
 

Online banking

Log in to view or manage your accounts on our website.

Log in

Register

Mobile banking app

  • Join our 1 million app users
  • Simple and secure log in.
  • Set up handy notifications.
Download app

Online banking

Log in to view or manage your accounts on our website.

Log in

Register

Bank of Scotland Share Dealing Service is operated by Halifax Share Dealing Limited. Registered in England and Wales No. 3195646. Registered Office: Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

Ways to invest

With our support, we can help you find the right account for you.

Our accounts

Ways to invest

Ways to invest

With our support, we can help you find the right account for you.

Our accounts