Go paper-free
Amend paper-free preferences for your statements and correspondence.
Ways to Invest
Find the right account for you to make the most of your new 2025/26 ISA allowance.
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.
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.
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.
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.
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 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.
Expert Advice
Personal financial advice
For customers with £100,000 in sole income or spread across joint savings, Investments or personal pensions.
- Expert financial advisers. UK-based specialists give a free personalised plan to help you reach your financial goals.
- Tailored advice. Our advisers will work with you to make sure you have the right level of support.
- More than just investing. Comprehensive advice, making sure all parts of your finances are working to meet your goals.
Fees will apply if you take out a product or service.
.
Banking online
It's simple and safe to manage your investments in our app or on our website.
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.