Investing with Bank of Scotland


Think investments aren’t for you? You might well have thought that in the past, but with interest rates as low as they are, now might be the time to reconsider them.

As you’ll see below, we make investing as straightforward and simple as possible. Whether it’s Online Investments, with a choice of three managed funds, or a Share Dealing ISA and a Share Dealing Account, it’s up to you how you want to invest.

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

Please remember that the value of an investment and the income from it can go down as well as up and you may get back less than you invested. We don’t offer advice so if you are in any doubt about making your own investment decisions we recommend you seek advice from a suitably qualified financial adviser.

3 simple online funds


  • These can be held in either an investment account or an ISA
  • Invest through an online Investment Account or tax-efficiently through an online Investment ISA
  • Choose from three growth funds, each with its own level of risk and potential return
  • Funds managed by professional managers at Scottish Widows
  • There are charges based on the value of your investment each year. An Ongoing Charge of a maximum of 0.45%, a service fee of 0.24% and transaction costs which vary depending on the fund but are not greater than 0.25%
  • Invest a lump sum, or smaller regular monthly amounts, or a bit of both
  • Manage your account online when it suits you
  • Switch your investments

Bank of Scotland Share Dealing Service


  • Invest through a Share Dealing Account or tax-efficiently through a Self Select Stocks and Shares
  • Access 7 world stock markets with our online share dealing service
  • Access 2000 funds from our funds supermarket
  • Charges from £12.50 online dealing commission per trade and £12.50 ISA fee per year
  • Invest a lump sum or regular monthly amounts or a bit of both
  • Live share prices and research tools to help you choose
  • Manage your account online when it suits you
  • Switch your investments

Online Investments


Investment Account

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Investment ISA

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Share Dealing


Share Dealing Account

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Self-Select - Stocks and Shares ISA

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5 steps for new investors


New to investing? Read our five steps to investing guide. It covers all the basics and will help you decide if investing is right for you.