Start investing with a minimum of £50
Choose from 5 investment options based on the risk level you're happy with
Your money is managed by Coutts investment experts
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The value of investments can fall as well as rise, and you may not get back the full amount you invest. Investments are intended for the long term (5 years or more). Ensure you have safety net savings before starting to invest. Eligibility criteria, fees and charges apply.
What is a Stocks and Shares ISA?
A Stocks and Shares ISA is an investment account that allows you to invest without paying UK Income Tax or Capital Gains Tax on any money you make on the investments.
You can save up to £20,000 every tax year. You can use this total limit of £20,000 across Cash ISAs and Stocks and Shares ISAs.
Tax reliefs referred to are those applied under current legislation, which may change. The availability and the value of any tax relief will depend on your individual circumstances.
Why invest with us?
How investing works with us
- Choose which of our five ready-made investment funds you want to invest your money in. These range from low risk to high risk.
- Answer a few questions and start investing from £50.
1. Five ready-made funds
Find out about our five funds in more detail below.
2. Have you invested before?
3. Choose the investment account
2025 projected value
Amount invested
£0
Likely return
£0
If your investment performs worse
£0
If your investment performs better
£0
These forecasts show what you could get back in different market conditions and aren’t a guarantee of a set return. The value of investments can fall as well as rise, and you may not get back the full amount you invest. More about your forecast.
Keeping costs low
We want you to be able to invest with confidence and that means knowing exactly what you’re paying for.
We charge 0.55% of your investment. That’s 55p for every £100 in your investments.
Investment calculator
Use our calculator below to see how much your money could grow and get an idea of how much a monthly contribution can affect your investment.
Transfer an existing ISA to Royal Bank Invest
Log in to Royal Bank Invest using either the Royal Bank of Scotland mobile app or your online banking details.
In the Stocks and Shares ISA section, choose the option to 'Transfer an ISA'. You’ll need the account details of your current ISA provider to hand.
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Already used your ISA allowance?
If you’ve already used your £20,000 ISA allowance for this tax year, you could consider our General Investment Account.
UK Income and Capital Gains Tax applies.
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Understanding investing
What’s the difference between saving and investing, when is it a good time to invest and other burning questions are answered in our investment insights.
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Learn more about ISAs
For all the ins and outs about ISAs, including how it works, tax thresholds, and what to consider before investing, have a look at our ISA guide.
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Good to know
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.