How are you looking to invest?

Pick your own

Investing in stocks and shares doesn't have to be difficult. With our support, we can help you find the right account for you.

Pick your own

Ready-Made Investments

Investments created and managed by financial experts.

Ready-Made Investments

Need expert advice?

If you’re unsure which investments are right for you, then our partnership with Schroders Personal Wealth could help. 

Investment advice

Please remember that the value of all investments can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. There will normally be a charge for that advice. Tax treatment depends on personal circumstances and may be subject to change.

Our products and services

Pick Your Own

Investing in stocks and shares doesn't have to be difficult. With our support, we can help you find the right account for you.

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.
  • 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.
Stocks and Shares ISA
Couple looking at paper work

Share Dealing Account

A straightforward account to start trading with (or if you’ve already used your ISA allowance).

  • Access our full range of shares, ETFs and Funds. Use our ETF Quicklist and Funds Select List to make selecting investments simple and easy.
  • No dealing commission is charged for international online trades. FX rates still apply.
  • Get to grips with investing with our Research the market page.

 

Share Dealing Account
 

Invest Wise Accounts

Free investing accounts for 18-25 year olds. Choose from an Invest Wise ISA or an Invest Wise Account.

  • Free account up to 26 years old.
  • Free regular investing.
  • With a choice of investment types and accounts.
  • No dealing commission is charged for international online trades. FX rates still apply.
Invest Wise Accounts

Self-Invested Personal Pension (SIPP)

Take control of your pension savings with a Self-Invested Personal Pension

 

Self-Invested Personal Pension (SIPP)

A flexible, tax-efficient retirement account.

  • Low admin costs (quarterly account charge of £22.50 if the SIPP value is £50,000 or less, and £45 if the value is above £50,000).
  • An account if you’re looking to invest for your retirement.
  • Access to our full range of investments including shares, funds and ETFs.
  • Invest regularly with our commission-free scheduled investment service.
SIPP

Ready-Made

Investments created and managed by financial experts

Ready-Made Investments

Investing made easy.
 
  • A flat account fee of £3 per month, a highest Ongoing Charge of 0.25% 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.
  • Progressive fund – aims to maximise growth but takes higher risks to achieve this.
Ready-Made Investments

Ready-Made Pension

A Bank of Scotland Ready-Made Pension makes saving for retirement easy and hassle-free, whatever your age.

  • 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.
Ready-Made Pensions

Expert Advice

For customers with £100,000+ sole income or shared assets, seeking a full financial review.

 
Schroders personal wealth logo.

Need expert advice on investments?

If you’re unsure which investments are right for you, then our partnership with Schroders Personal Wealth could help. They provide personalised advice on a range of different products and services. 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.

Schroders Personal Wealth

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.