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A ShareBuilder is an easy and cost-effective way for you to buy shares and gradually build up your portfolio. It's an easy way to trade – and you don't need to be a financial whizz either. Make the investments you want on set days – up to four times each month - for just £2 dealing commission per trade.

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 independent advice.

No annual charges

We don’t have any annual admin charges on our ShareBuilder.


Open and rename up to 6 ShareBuilder accounts - a good way to put money away for something specific.

Low cost trading

You can set-up regular scheduled investments to buy shares for £2 dealing commission (usually £12.50 per online trade).

Why should I think about investing?

Investing can stop inflationInflation causes a rise in costs for goods and a drop in your purchasing power over a period of time. e.g. a pint of milk in 1990 was 25p whereas a pint of milk in 2020 would cost you 43p. eating into your cash savings as interest rates are currently at historic lows. It can also help increase your passive income by investing in dividend paying stocksA share is simply a unit of ownership. If you own a share, you own a stake in a particular company. Shares are listed on a stock exchange and the price of all shares will fluctuate throughout the day..

You can set-up a regular scheduled investmentYou can set up a direct debit on your share dealing account and select which investment to buy, when and at what cost or quantity. You can then sit back and leave the rest to us. at no extra charge and invest a minimum of £20 per month, without a tie in period. Every scheduled trade is subject to £2 dealing commission. You can change the amount or investment at any time. When you set-up a regular investment in a ShareBuilder, we invest 100% of your money - even if that means buying part of a share. This means no leftover cash when you have asked us to invest it for you.

What can I invest in with a ShareBuilder

You can only buy shares listed on the London Stock Exchange - including AIM. This means you can buy or sell UK stocks, investment trusts and exchange traded funds (ETFs). Read more about our investment options

What do I pay?

Our charges for the ShareBuilder are straightforward and competitive with no annual administration charges, and dealing commission for each trade.

Table of charges for the Share Dealing Account

Real-time trading

£12.50 online dealing commission per trade

Scheduled regular investments

£2 dealing commission per scheduled trade

This table shows the dealing commission and account charges you'll pay as standard. You may also pay government taxes and levies depending on the investment you choose. For full details please see our Charges (PDF).

See how we compare against our competitors

Apply for a ShareBuilder

You can open a ShareBuilder in less than 10 minutes. Before you start an application, make sure you’ve reviewed and understand the:

Apply now


ShareBuilder | 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.