18 – 25 Investing

Invest in your future for free with our Invest Wise accounts. Pay no account fees until you’re 26 and benefit from free regular investing.

18 – 25 Investing

Start investing in 3 simple steps

1. Pick an account

Don’t know where to begin? Our 5-step guide could help you start investing.


Pick from one of our three accounts and get ready to start investing.


Stocks & Shares ISA
Share Dealing Account
Self-Invested Personal Pension

2. Pick your investments 

If you need help deciding how to invest, we have a list of investment options that could help you reach your investment goals.


We also offer research toolsa select list of funds and guides to help if you’re new to investing or want to brush up on the basics. 

3. Keep investing

Did you know that regular investments can help reduce risk on your investment portfolio? Find more helpful tips when you read our articles and research.

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. There will normally be a charge for that advice. Tax treatment depends on individual circumstances and may be subject to change in the future.

Pick your own investments

Stocks & Shares ISA

Ideal if you’re looking to pick your own stocks and shares, funds and more.



  • Create a bespoke portfolio of shares, Exchange Traded Funds (ETFs), funds and more.
  • Invest up to £20,000 in this tax year.
  • Any returns are free from UK tax.
Stocks & Shares ISA

Share Dealing Account

A simple way for you to start trading if you have already used your ISA allowance.


  • Create a bespoke portfolio of shares, ETFs, funds and more.
  • Invest as much as you like but returns are subject to tax.
  • Invest regularly with our commission-free scheduled investment service.
Share Dealing account


A Self-Invested Personal Pension account could offer a flexible, tax-efficient way of investing that puts you in control.


  • Choose from a wide range of shares, ETFs, funds and more.
  • Receive tax relief on your contributions.
  • Any returns are free from UK tax.

Grow your investment knowledge 

Boost your skills

Whether you're experienced or just getting started, find useful hints, tips, and guides on how to make the most of investing.

See our guides


Our research tools could help you learn about potential future investments. Plus, stay updated and informed with our articles and insights.

Start your search

Our top investment picks

With over 2,500 funds to choose from, we can help you find the one that’s right for you, making it easier to create your portfolio.

Our select list

Already a Share Dealing customer?

Just sign in to apply. Click ‘Open new account’ on the right-hand navigation to get started.


Sign in to Share Dealing


Sign in to Online Banking

Need advice on your investments?

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


Please note that eligibility criteria, fees and charges may apply.


Schroders Personal Wealth

Need a little more information? Our Investing quick guide (PDF, 747 KB) could help you.

FSCS protected logo

Investments with Bank of Scotland Share Dealing are protected up to a total of £85,000 by the Financial Services Compensation Scheme. This limit is applied to the aggregated total of any stock or cash held across the following brands which we administer.

This is in addition to any other savings deposits you may hold across Lloyds Banking Group.

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.