ISAs

About our ISAs

An ISA (Individual Savings Account) is a tax-efficient way to save or invest. The total amount you can save in ISAs in the current tax year is £20,000. You can choose to save in a variety of ISAs, as long as you don’t exceed the annual £20,000 allowance. ISAs are a good and flexible way to help you make more of your money. Plus, all of our adult Cash ISAs qualify for the Savers Prize Draw. Prize Draw rules apply.

Already have an ISA elsewhere? You can transfer your existing ISA to us.

If you feel an ISA isn't for you, take a look at our other savings accounts and investment options.

View our guide to ISAs

Cash ISAs

Cash ISAs

A tax free way to save.

  • Open with as little as £1.
  • Choice of easy access or fixed term accounts.
  • Withdraw and replace funds from some of our cash ISAs without affecting your yearly ISA allowance.
  • You can only put money into one cash ISA with Bank of Scotland in a tax year.
Compare our cash ISAs

Investment ISA

Investment ISA

A tax efficient way to invest in stocks and shares.

  • Investments 100% managed for you.
  • Start from £50 a month or £500 as a lump sum.
  • No fixed term but designed to be held for at least 5 years.
Investment ISA

Self-Select Stocks & Shares ISA

Self-Select Stocks & Shares ISA

Choose from a variety of tax-efficient investments.

  • You decide what you want to invest in.
  • Build an investment portfolio from a wide range of ISA-qualifying stocks and shares.
  • Pay no Capital Gains Tax on any potential profit.
Self-Select Stocks & Shares ISA

Junior Cash ISA

Our tax-free children’s savings account.

  • For under 18s who want to save for the future.
  • Open with just £1.
  • Save up to £9,000 this tax year.
Junior Cash ISA information

Help to Buy: ISA

Help to Buy: ISA is no longer available for new customers from 1 December 2019.

If you are an existing Help to Buy: ISA customer you can still claim the Government bonus or transfer your Help to Buy: ISA to us from elsewhere. You can also carry on saving on a monthly basis.

Help to Buy. Backed by HM Government

Help to Buy: ISA

THE VALUE OF YOUR INVESTMENTS AND THE INCOME FROM THEM CAN GO DOWN AS WELL AS UP AND YOU MAY GET BACK LESS THAN YOU HAVE INVESTED. WE DON'T PROVIDE ADVICE SO IF YOU'RE UNSURE ABOUT MAKING YOUR OWN INVESTMENT DECISIONS PLEASE SEEK ADVICE FROM A QUALIFIED FINANCIAL ADVISOR.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). For further information about the compensation provided by the FSCS, refer to the FSCS website at www.fscs.org.uk/. You can also visit our Financial Services Compensation Scheme page for more details.