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.

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


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.
  • Keep in mind; you can only save into one cash ISA in a tax year. This includes Help to Buy: ISAs and cash ISAs held outside Bank of Scotland.

Investment ISA


A tax-efficient way to invest in stocks and shares.

  • Investments 100% managed for you.
  • Invest a lump sum (2,000+), monthly amounts (£100+), or both.
  • No fixed term but designed to be held for at least 5 years.

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.

Junior Cash ISA


A Junior Cash ISA is a tax free way for children to save. You can open an account with as little as £1.




Junior Cash ISA

Help to Buy: ISA


If you're a first-time buyer saving for your first home, our Help to Buy: ISA could help you get your foot in the door.

Help to Buy: ISA



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.