Investments could help you make more of your money.
Overlay
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 invest?
Whether you're planning a big move or a holiday of a lifetime, considering your long-term financial goals can be worthwhile. Investing over five years or more has the potential to grow your money and could help you work towards these goals. Savings can also be a practical choice, offering easy access to funds for unexpected expenses or short-term needs.
Investing is for anyone with a long-term financial goal. You don't need a large sum of cash to get started and no matter your age, you could still give your money enough time so it has the opportunity to grow. While a lot of investors wish they started younger, the next best time to start could be now. It's worth remembering though that investments come with risk and their value could fluctuate, so it's important to maintain accessible savings that cover four months' worth of expenses before exploring investing.
Stocks and Shares ISA
An easy, tax-efficient way to get started
Invest up to £20k in the current tax year free from UK Income and Capital Gains Tax.
Move your other ISAs to us and see everything in one place.
Information Message
General Investment Account
A flexible way to invest, when you've used your ISA allowance
You can invest an unlimited amount, have flexible access to your money, and manage it alongside other Royal Bank accounts. Any returns may be subject to UK Income and Capital Gains Tax.
You can withdraw money from a General Investment Account whenever you like, but it is designed for the long-term.
Information Message
Personal Pension
A tax-efficient path to financial security in retirement
Choose a ready-made investment that suits your retirement goals and investment style if you don't have a workplace pension
Transfer existing pensions for a clearer view of your retirement plans (exit fees may apply).
Information Message
Junior Stocks and Shares ISA
Give your child a head start with investing
Invest an initial amount of £50 or set up a regular monthly payment from just £10.
Invest up to £9,000 per child for the current tax year with no UK Income or Capital Gains Tax.
Information Message
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.
Transparent fees
We keep fees low so you can make the most of your money. Fees are 0.55% of your investment or less, which is 55p for every £100.
Information Message
Simple, ready-made funds
Choose from our five specially designed ready-made funds, tailored to match your risk preference, and you could see your money grow over the long term
Information Message
Experts you can trust
We’ve partnered with Coutts since 1969. They look after £58.5bn of investment funds (Q4 2025) and have more than 300 years of experience. And you could book a free consultation with Premier Financial Planning.
Information Message
How are the ready-made funds performing?
Compare the ready-made investment funds and their potential for returns.
How can your money lose value over time?
Learn more about how inflation can affect your investments.
Looking for online investment advice?
Get expert investment advice tailored to you from our Online Investment Advice service, to help you invest in the right way for you.
Book a video call with one of our Investment Advisers who'll guide and support you through our specially designed online service to find out:
- How much you can afford to invest monthly, or as a lump sum or both.
- Which of our investment funds could be right for you.
Only pay a one-off £200 advice charge if you invest (this is a one-off fee per advice). We won’t charge you anything if we think investing isn’t right for you.
