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Invest with confidence today

Investments

Invest with confidence today

Investing should be straightforward and transparent. Check out our investing opportunities to see what might work for you.

The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.

Our investment accounts

Stocks and Shares ISA

Start from £50 and invest up to £20,000 per tax year in a tax-efficient way.

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General Investment Account

A great investment option if you’ve already used your £20,000 tax-efficient ISA allowance. 

UK Income and Capital Gains Tax may apply.

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Pension

Prepare for retirement. Start investing from £50 or transfer an existing pension. 

Transfer existing pensions for a clearer view of your retirement fund (exit fees may apply).

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Junior ISA

Give your child a head start. Invest up to £9,000 per child in a tax-efficient way for the current tax year.

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Why invest with us?

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Coutts investment managers

Your money is looked after by a team of experienced investment managers at Coutts.

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We keep fees low

Our fees are low so you keep more of any money you make. We charge 0.55% of your investment. That’s 55p for every £100 in your investments.

24/7 online access

View your investments alongside your bank accounts, either online or in the mobile app. Top up, manage and withdraw when you like.

What is investing?

What is investing?

Investing means buying things like company shares or property with the aim of growing your money over time.  

Investing can offer the potential for better returns. It can also give your money a better chance of beating inflation over the long term. But growth is not guaranteed and investments can go down in value. 

Whether this is your first time investing or your 50th, there’s lots of useful information in our investment guides. 

How investing works with us

How investing works with us

Investing can be tricky and feel overwhelming, but it doesn’t need to be that way. That’s why we keep things straight forward. Investing with us takes just three steps.

  1. Choose which investment account you want.
  2. Choose from five ready-made portfolios to invest. These range from low risk to high risk.
  3. Answer a few questions and start investing from £50.
What should I invest in?

What should I invest in?

With us, you don’t need to know what you want to invest in, you just need to know what level of risk you want to take. 

Explore our ready-made portfolios to find a risk level that works for you.

Tools to help you get started

Inflation calculator

Rising prices could be holding your cash back. Try our inflation calculator to see if you’re making the most out of your money.

Investment forecast calculator

Find out how much your money could grow when you invest in a Stocks and Shares ISA or a General Investment Account.

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Looking for online investment advice?

Get expert investment advice tailored to you from our Online Investment Advice service, to help you invest in the right way for you. 

Book a video call with one of our Digital Wealth Managers who'll guide and support you through our specially designed online service to find out: 

  • How much you can afford to invest monthly, or as a lump sum or both.
  • Which of our investment funds could be right for you.

Only pay a one-off £200 advice charge if you invest (this is a one-off fee per advice). We won’t charge you anything if we think investing isn’t right for you. 

Good to know

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Your investments are protected

Eligible investments with us are protected up to a total of £85,000 by The Financial Services Compensation Scheme (FSCS). This means if Royal Bank of Scotland were to cease trading, your money is protected. 

 

This doesn't include losses made as a result of investing. 

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Coutts is a Certified B Corporation

Coutts, our private bank that manage your investment, are a certified B Corporation. B Corporation certification means Coutts, our investment managers for Royal Bank Invest, consciously work towards providing responsible wealth management.

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Already investing with us?

Log in to Royal Bank Invest to check your investment, top up or withdraw whenever suits you.