You must be aged 18 - 84 and a UK resident for tax purposes. 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.
Bring your ISAs and pensions to Royal Bank Invest
So you can view and manage them all in one place. Plus you could get a cash reward from £50 - £5,000.
Offer open between 18th May and 18th September 2026.
Eligibility, exclusions, terms and conditions apply. The value of investments can fall as well as rise. Your current provider may charge exit fees.
Why Royal Bank Invest?
- Five funds for you to pick from, ranging from defensive to adventurous.
- You can make withdrawals at any time but generally the longer you invest for the more chance there is for growth on your investment. So if you invest you should be prepared to do so for 5 years or more.
- Get started with a lump sum from just £50 or top-up monthly.
- Choose to invest through an ISA or a General Investment Account.
- Transfer existing ISA's for a clearer view of your investments.
Why Royal Bank Invest?
- Five funds for you to pick from, ranging from defensive to adventurous.
- You can make withdrawals at any time but generally the longer you invest for the more chance there is for growth on your investment. So if you invest you should be prepared to do so for 5 years or more.
- Get started with a lump sum from just £50 or top-up monthly.
- Choose to invest through an ISA or a General Investment Account.
- Transfer existing ISA's for a clearer view of your investments.
What is a Stocks 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).
Information Message
Tax reliefs referred to are those applied under current legislation, which may change. The availability and value of any tax relief will depend on your individual circumstances.
What is a Stocks 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).
Information Message
Tax reliefs referred to are those applied under current legislation, which may change. The availability and value of any tax relief will depend on your individual circumstances.
How much does it cost to invest with us?
Your fees will be 0.55% of your investment or less. That’s 55p for every £100 of your investments. This 55p covers the following:
Platform fee
The maximum you’ll pay is 0.15%. That’s 15p for every £100 of your investments.
This covers the cost of admin and online access to your Royal Bank Invest account.
We charge this fee at the end of each quarter (March, June, September and December). The money is taken from your account about a week later, normally in the next month: April, July, October and January.
Fund fee
The maximum you’ll pay is 0.40%. That’s 40p for every £100 of your investments.
This covers the cost of managing your investment.
The fund fee is taken directly from the fund by the fund manager. It's made up of an annual management charge averaged out over the year and taken on a daily basis.
Transaction costs
There are also costs for buying and selling within your investment - these are called transaction costs. Based on actual past costs, the highest costs for any of the available funds will be 0.12% of the value of the fund each year. These costs will be taken directly from the fund.
How much does it cost to invest with us?
Your fees will be 0.55% of your investment or less. That’s 55p for every £100 of your investments. This 55p covers the following:
Platform fee
The maximum you’ll pay is 0.15%. That’s 15p for every £100 of your investments.
This covers the cost of admin and online access to your Royal Bank Invest account.
We charge this fee at the end of each quarter (March, June, September and December). The money is taken from your account about a week later, normally in the next month: April, July, October and January.
Fund fee
The maximum you’ll pay is 0.40%. That’s 40p for every £100 of your investments.
This covers the cost of managing your investment.
The fund fee is taken directly from the fund by the fund manager. It's made up of an annual management charge averaged out over the year and taken on a daily basis.
Transaction costs
There are also costs for buying and selling within your investment - these are called transaction costs. Based on actual past costs, the highest costs for any of the available funds will be 0.12% of the value of the fund each year. These costs will be taken directly from the fund.
Frequently asked questions
How it works
- Explore invest
Log in and explore your options, look ahead to see how your investment could perform. - Complete your investment
Choose from five ready-made investment funds, from defensive to adventurous. - Sit back and relax
Coutts investment managers will invest your funds. Log back in at any time to check your investment and top up.
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.