Royal Bank Invest
makes investing simple

Investing with Royal Bank

With so many investment options, it can be difficult to start investing. That’s why we’ve created Royal Bank Invest, where our Coutts experts manage the investments for you.


You only need to choose how much you want to put in and your preferred level of risk. Or you can get help with our online automated advice. With automated advice there is a one-off fee of £10 for our advice if you invest. There will be no fee if we think investing isn’t right for you or if you don’t invest.

  • 5 ready made funds, from cautious & careful to daring & determined 
  • Start investing from £50
  • Stocks and Shares ISA for tax efficient investing
  • Withdraw at any time, although investing is designed for the longer term
  • Responsible investments focusing on companies and industries who aim to positively affect our world

Already investing with Royal Bank Invest? Go straight to Digital banking log in

Investment options

You'll have two choices on how to hold your investment. Whichever option you choose you'll still need to choose from one of the 5 ready made funds, you can't select individual stocks and shares to invest in.

Stock and Shares ISA

Investments held in a Stocks and Shares ISA means you don’t need to pay UK Income Tax or Capital Gains Tax on any investment growth. But there’s a limit on what you can invest in ISAs in any given tax year, for the current tax year it’s £20,000 (this is the total for both Cash ISAs and Stocks and Shares ISAs).

General Investment Account

There is no limit on the amount you can invest in the Royal Bank Invest General Investment Account. However, UK income tax and Capital Gains Tax are potentially payable.

You can hold investments in a Stocks and Shares ISA and a General Investment Account.

What's your investment personality?

We believe investment should be simple. So we’d like to introduce you to 5 ready-made, online investment funds that get you started from just £50. Find out about our 5 funds in more detail. 

Our five investment personalities


Cautious and Careful

This is Personal Portfolio 1 Fund and it’s the lowest-risk fund we offer. Think of it as swimming in the shallow end with the peace of mind of being able to stand up.

Steady and Sound

This is Personal Portfolio 2 Fund and it's the low to medium risk fund. Think of it as venturing into the deep end of the pool but you know you can touch the side at any time.


Balanced and Bold

This is Personal Portfolio 3 Fund which is the medium risk fund. This is like the first dip in a lake. It may be colder and get your heart rate going but there should be some beautiful views.


Optimistic and Assured

This is Personal Portfolio 4 Fund, which is the medium to high risk fund. Think of this as swimming out a little further to explore a reef. There are some beautiful things to see but it can be unpredictable.

Daring and Determined

This is Personal Portfolio 5 Fund and it is the highest risk fund that we offer. This is like deep sea diving. You should see some amazing things but as always there is a level of danger to consider.

What’s inflation doing to your money?

See how rising prices could be holding your cash back and what you could do about it.

Fees, charges and costs

Here’s what you could pay to use Royal Bank Invest for a year when making monthly contributions…

Any questions?

How to start investing

Log in and explore invest

Log in to the Royal Bank investment portal, you'll need your Digital Banking details. You can see a forecast of how an investment could perform.

Complete your investment

Firstly, let us know if you want to choose your own investment or get automated advice. With automated advice there is a one-off fee of £10 for our advice if you invest. There will be no fee if we think investing isn’t right for you or if you don’t invest.

Sit back and relax

Coutts investment managers will invest your funds. Log back in at anytime to check your investment and top up.

Ready to start exploring Royal Bank Invest?

To do this, you’ll need to be a Royal Bank customer with Digital Banking, aged 18 - 84 and a UK resident for tax purposes. 

Do you have Digital Banking with us?
You will need Digital Banking to apply online with us. If you don't, we will help you sign up in just 5 minutes.

Great. Use your details to login

You will need your Digital Banking details to continue. 

Forgotten any of your login details? No worries, we can help.

You'll need to be a Royal Bank customer with Digital Banking to continue

Setting it up should only take a few steps. 

Become a Royal Bank customer

Learn more about investments

Whether you’re an experienced investor or just finding out what investing is, we’ve got a range of articles to help you understand more about investing.

We regularly update our articles depending on what’s happening in the market so check back for future updates.

Anything else we can help you with?