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ISAs
Make the most of this year’s ISA allowance with ISAs that work for you.
Short-term goals
Cash ISAs are a smart choice for short-term goals. They offer reliable interest rates, making them great for building an emergency fund, saving for a holiday, or buying a car. Plus, helping your money stay safe and easily accessible.
Medium to long-term goals
Stocks and Shares ISAs can grow more over time, ideal for medium to long-term goals. Such as saving for a house deposit, funding children’s education or growing wealth for long-term financial security.
Should I save or invest?
Learn how savings and investments could work together, helping you reach your financial goals.
Short-term goals
Access Cash ISA
Want to save but also have instant access to your money? With this flexible cash ISA, you can do just that.
- Earn up to 1.20% AER/tax-free variable interest. The rate depends on your balance.
- Get started from as little as £1.
- No charges for withdrawals.
Advantage ISA Saver
Our cash ISA for Vantage customers which pays more interest if you make fewer withdrawals.
- Exclusively available for Vantage customers.
- Earn 3.25% AER/3.20% tax-free variable interest if you make 3 or fewer withdrawals in the 12 months after opening.
- Open with as little as £1.
Fixed savings
Clear short-term goals require straightforward accounts.
1 Year Fixed Cash ISA
For that extra certainty, lock your money away for a year in this cash ISA. It pays you a fixed rate of tax-free interest.
- Earn 3.70% AER/tax-free fixed interest for one year.
- Open with £500 or more.
- A fixed interest rate for extra certainty.
Charges apply to withdraw early. By account closure or transfer only.
2 Year Fixed Cash ISA
For that goal that’s a little further away, lock your money away for two years in this cash ISA. It pays you a fixed rate of tax-free interest.
- Earn 3.60% AER/tax-free fixed interest for two years.
- Open with £500 or more.
- A fixed interest rate for extra certainty.
Charges apply to withdraw early. By account closure or transfer only.
Medium to long-term goals
Stocks and Shares ISA
Pick your own stocks and shares from a wide range of investments.
- Create and control your own portfolio.
- Invest without the trading fees within a Regular Investment Plan.
- ETF Quicklist and other investment tools to help you get started.
Ready-Made Investments ISA
Exclusive to existing Bank of Scotland online banking customers. Investing made easy.
- Our funds are ready-made by experts, so you don’t have to do anything.
- Pick a level of risk that suits you.
- Decide how much to invest, starting from £50 a month or a £500 lump sum.
Invest Wise ISA
Free investment ISA for 18 to 25 year olds.
- Free account up to age 26.
- Invest without the trading fees within a Regular Investment Plan.
- ETF Quicklist and other investment tools to help you get started.
Expert Advice
Personal financial advice
For customers with £100,000 in sole income or spread across joint savings, investments or personal pensions.
- Free initial consultation. Schroders Personal Wealth specialist advisers provide you with a free personalised financial plan.
- Ongoing financial advice. Receive regular guidance from an experienced financial adviser.
- Financial security. Advisers help clients build emergency funds, plan for retirement, and protect against unexpected events, enhancing overall financial security.
Fees apply if you take out a product or service.
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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.
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What is an ISA?
An Individual Savings Account helps you to save and invest tax efficiently.
Understanding investing
Whether you’re new to investing or more experienced, it’s always good practice to keep learning.
Should I save or invest?
Learn how savings and investments could work together, helping you reach your financial goals.
Important legal information