Ways to invest

I want to choose from your full range of investments

If you want to pick your own stocks and shares, funds and more.

Look at my options

I want a simple investment choice

If you don’t want to pick your own stocks and shares, we offer 3 ready-made funds.

Look at my options

I want to invest in an ISA

If you'd want to protect any potential return from Capital Gains Tax or UK Income Tax.

Look at my options

Please remember that 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 financial advice. Tax treatment depends on personal circumstances and may be subject to change.

Our full range of accounts that give you access to shares, over 2,000 funds plus lots more.

Account name

Features and Benefits

Dealing commission (per trade)

Account Charge

Account name

Stocks and Shares ISA

Pick your own stocks and shares from a wide range of investments.


Find out more

Features and Benefits

  • Use your £20,000 annual ISA allowance to benefit from no capital gains tax on any profit, and no UK Income Tax on dividends.
  • You can choose from a wide range of investments such as shares, funds and Exchange Traded Funds (ETFs).
  • 0% initial charge on all funds.

Dealing commission (per trade)

  • Real-time online trades: £12.50 dealing commission per trade.
  • Regular investment service: £2 dealing commission per trade.

Account Charge

£12.50 per year

Account name

Share Dealing Account

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


Find out more

Features and Benefits

  • Pay no annual admin charge.
  • You can choose from a wide range of investments such as shares, funds and Exchange Traded Funds (ETFs).
  • 0% initial charge on all funds.

Dealing commission (per trade)

  • Real-time online trades: £12.50 dealing commission per trade.
  • Regular investment service: £2 dealing commission per trade.

Account Charge

No admin charge

Account name

ShareBuilder

Gradually build up a portfolio of UK shares with our scheduled monthly investment plan.


Find out more

Features and Benefits

  • Pay no annual admin charge.
  • You can invest in UK shares, or track the market with an Exchange Traded Fund (ETF).
  • Personalise up to 6 different ShareBuilder accounts by changing the name.

Dealing commission (per trade)

  • Regular investment service: £2 dealing commission per trade.
  • Real-time online trades: £12.50 dealing commission per trade.

Account Charge

No admin charge

Account name

Self Invested Personal Pension (SIPP)

A flexible, tax-efficient retirement account.


Find out more

Features and Benefits

  • Benefit from no Capital Gains Tax or UK Income Tax on your pension investments.
  • You can receive up to 45% tax relief on your pension contributions.
  • 0% initial charge on all funds.

Dealing commission (per trade)

  • Real-time online trades: £12.50 dealing commission per trade.
  • Regular investment service: £2 dealing commission per trade.

Account Charge

  • Quarterly account charge: 


£22.50 for a SIPP value of £50,000 or less.


£45 for a value of more than £50,000.

Our share dealing charges

Pay the same amount no matter how much you invest with simple and competitive charges (with no hidden fees). You can even compare us against other investment platforms.

See how our charges compare when trading stocks and shares
See how our charges compare when trading funds

Our ready-made funds range

If you haven’t invested before, or you prefer to leave it to the experts, our ready-made investments could be for you. We can help you get access to a wide range of markets without worrying about picking your own stocks and shares.

You can invest in 3 funds in either an ISA or Investment Account.

Account name

What can I invest in?

Charges

Account name

Investment ISA

Short on time and don’t want to pick your own stocks and shares? Protect any potential profit from UK tax.
 

Find out more

 


Investment Account

When you’ve used up your ISA allowance for the tax year but still want to invest in our ready-made funds.

Find out more

What can I invest in?

  • Low risk fund – aims for modest growth with less risk than medium or high risk funds
  • Medium risk fund – aims for growth whilst balancing the risks and rewards
  • High risk fund – takes higher risks to maximise it’s growth

Charges

The maximum you’ll pay in charges (annually):
 

  • Service fee: 0.24%
  • Ongoing Charge: 0.26%
  • Transaction costs: 0.17%

Your ISA options

ISAs make sure your investments are tax efficient, you pay no UK tax on any profit or income received from your investments e.g. from a dividend.

You can only add money to one of the below ISAs in the same tax year. Tax years run from the 6th April to the 5th April every year, and on the 6th of April you’re given a new ISA allowance.

Account name

What can I invest in?

Charges

Account name

Stocks and Shares ISA

Pick your own stocks and shares from a wide range of investments.
 

Find out more

What can I invest in?

  • Stocks and shares
  • Over 2,000 funds
  • ETFs
  • Investment Trusts
  • Bonds
  • GILTs

Charges

  • Annual admin charge: £12.50 per year.
  • Real-time online trades: £12.50 dealing commission per trade.
  • Regular investment service: £2 dealing commission per trade.

Account name

Investment ISA

Short on time and don’t want to pick your own stocks and shares? Protect any potential profit from UK tax.


Find out more

What can I invest in?

  • Low risk fund – aims for modest growth with less risk than medium or high risk funds
  • Medium risk fund – aims for growth whilst balancing the risks and rewards
  • High risk fund – takes higher risks to maximise it’s growth

Charges

The maximum you’ll pay in charges (annually):
 

  • Service fee: 0.24%
  • Ongoing Charge: 0.26%
  • Transaction costs: 0.17%

Retirement account

Account name

What can I trade?

Dealing commission (per trade)

Charges

Account name

Self Invested Personal Pension (SIPP)

A flexible, tax-efficient retirement account.


Find out more

What can I trade?

  • UK shares
  • International shares
  • Over 2,000 funds
  • ETFs
  • Investment Trusts
  • Bonds
  • GILTs

Dealing commission (per trade)

  • Real-time online trades: £12.50 dealing commission per trade.
  • Regular investment service: £2 dealing commission per trade.

Charges

  • Quarterly account charge: 


£22.50 for a SIPP value of £50,000 or less.


£45 for a value of more than £50,000.

Our charges are simple and competitive with no hidden fees. You can even compare us against other investment platforms.

Compare our charges

Your investment options

If you want to pick your own stocks and shares then we can provide you with a wide range of investments to select from.

  • Shares – trade UK or international stocks and shares.
  • Funds – get access to thousands of funds, or our Select List to help narrow your choices.
  • Track the market – track the performance of a market or commodities with ETFs (Exchange Traded Funds) and ETCs (Exchange Traded Commodities).

Learn more

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Financial Planning

If you’d like to invest but don’t have the time, or you’d prefer to leave it to someone else, then you could consider financial advice. Through our partnership with Schroders Personal Wealth, you can take advantage of a range of financial advice and planning solutions.

To use the Schroders Personal Wealth Financial Planning service, you’ll need to have at least £100,000 in savings, investments and/or personal pensions, and/or an annual sole income of at least £100,000.

Read more about Schroders Personal Wealth

Ways to invest | Investing | Bank of Scotland

Bank of Scotland Share Dealing Service is operated by Halifax Share Dealing Limited. 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, 12 Endeavour Square, London, E20 1JN under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.