Eligibility, terms and conditions apply. Your existing pension provider may charge an exit fee for transferring your pension. We promote cash rewards at various times. Please remember to take the time to decide whether making a transfer into a Royal Bank Invest or Pension is right for you. The value of investments can fall as well as rise.
If your pensions and ISAs are scattered around different providers, having them in one place could help make things easier.
Transfer them to us and let the investment experts at Coutts manage your money for you.
And while they’re doing all the hard work, you can simply check your investments all in one place on your Royal Bank mobile app.
As a reward for transferring 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 18th May and 18th September 2026. Exclusions, Terms and Conditions (T&Cs) apply .
Why transfer and invest with us?
Whether you're already an existing Royal Bank Invest customer or are new to investing with us, here are three good reasons why you may want to transfer your Pensions and ISAs to us:
24/7 online access
View your investments alongside your bank account, either online or in the mobile app. You'll also be able to continue building for your future from just £50 a month.
We keep fees low
Low fees mean you keep more of your money. We charge 0.55% per year (made up of a Platform fee of 0.15% and a Fund fee of 0.40%)—that’s 55p for every £100 you have invested with us.
Expertly managed
Your money will be managed by Coutts investments experts. Coutts has been managing wealth for over 300 years. Just choose which of our five ready-made funds you wish to invest in.
You’ll need to be a Royal Bank customer with Digital Banking, aged 18-84 for a Stocks and Shares ISA, and a UK resident for tax purposes. Contributions cannot be made if you are a US citizen or US Green Card holder. You cannot access your Pension benefits before the age of 55 (going up to 57 in 2028). Please check with your current provider if they will charge any exit fees, penalties or other costs before applying to transfer your funds. You should continue to hold cash for your short-term needs. Fees and charges apply. You cannot access your Pension benefits before the age of 55 (going up to 57 in 2028). Before you go ahead with a transfer, it’s important to make sure it’s the right choice for you. You should check if your pensions have special rules or benefits that could be affected if you move them
Transfer your pensions and ISAs to us
Pension
Bring all your pensions into one place with the Royal Bank Pension.
You'll also be able to continue building for your future from just £50 a month.
Stocks and Shares ISA
Transfer to our Stocks and Shares ISA - endorsed as Which? Great Value.
You'll also be able to continue building your investments with as little as £50 per month.
Find out more about Stocks and Shares ISA
