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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Over longer periods of time (five years or more), investments such as stocks, shares and funds have the potential to give you higher returns compared to cash savings. But the value of investments can fall as well as rise. There is a chance you may get back less than you put in. Ensure you have safety net savings before starting to invest. Eligibility criteria, fees and charges apply.
Cash Reward
Bring your other ISAs or pensions together and you could get a cash reward.
- Transfer your ISAs and pensions to us and let the investment experts at Coutts manage your money for you.
- Simply check your investments all in one place on your mobile app.
- As a reward for transfering your ISAs and pensions to us, you could get a cash reward from £50 to £5,000 depending on the total value you transfer.
To qualify for the cash reward, transfer between 2nd November 2026 and 2nd March 2027. Exclusions, terms and conditions apply.
Prize Draw
You could win £10,000. Plus 110 other cash prizes up for grabs. Every £50 deposited equals one entry. For a chance to win:
- Make a payment or transfer of £50 or more into an ISA; or
- Set up a new regular monthly payment or increase existing monthly payment by £50 or more.
- If you already pay into an eligible ISA, you're automatically entered. You'll receive one entry for every qualifying £50 added.
- Eligible accounts include Fixed Rate ISA, instant access Cash ISA, Stocks and Shares ISA and Junior ISA.
Entry open until 11th January 2027 subject to the eligibility criteria and exclusions. Terms and conditions, fees and charges may apply.
Why invest in our Stocks and Shares ISA?
Investment forecast calculator How much could your money grow?
Our forecasting tool can show what your investment in a Stocks and Shares ISA could be worth by the time you need the money. Log in online or via the app to see what your money could do for you when you put it to work.
Choose how much you want to invest – a lump sum, monthly or a bit of both.
Explore our five ready-made funds to see how they might perform.
Start investing for your future goals.
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.
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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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.
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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Your top questions on Stocks and Shares ISAs answered
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