Pick your own investments

Broaden your horizons by choosing your own investments. A Stocks and Shares ISA can help unlock your money’s potential to grow over time.

Your account fee? £0 until 2028

Invest for less until 2028

Open a new Bank of Scotland Share Dealing Account or Stocks and Shares ISA between 01 October and 30 November 2026 and pay no account fee until 01 January 2028. Terms and conditions apply.

Offer details

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.

Choose one of our accounts 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 tools, a 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.

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. Tax treatment depends on individual circumstances and may be subject to change in the future.

Pick your own investments

Self-Invested Personal Pension

Take control of your financial future, with all the benefits of a pension. Tailor your portfolio to fit your needs, risk appetite and financial objectives.

  • Receive instant tax relief at the basic rate on contributions.
  • Flexibility to choose and manage your own investments.
  • Admin fees are capped leaving more money for you to save for retirement .
  • Our SIPP Builder could help find the right investments for you.
SIPP

Invest Wise® Account and ISA

Aged 18 to 25? Invest in your future with our Invest Wise accounts.

18 to 25 investing

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

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

Research

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

Protecting your money

Protecting your money

 

The Financial Services Compensation Scheme (FSCS) protects the eligible money you have with us.

More about the FSCS

 

The Financial Services Compensation Scheme (FSCS) protects the eligible money you have with us.

More about the FSCS

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Understanding risk

Understand what investment risk is and how to manage it for your investments.

Understanding investment risk

Do more with our app

Find out about all the great features of our highly rated app, and how it compares to online banking.

More about our app

Investing with Bank of Scotland

Whether you have investment experience or not, we're here to help.

Investing

Investing with Bank of Scotland

Whether you have investment experience or not, we're here to help.

Investing