Our ISAs

Find the right ISA for you

Make the most of your £20,000 ISA allowance for the current tax year.

Our range of cash ISAs

Compare the benefits of our cash ISAs and find the right one for you depending on if you want instant access or not. Interest is paid directly into your account to help your ISA savings grow.

To apply you must be 16 or over and a UK resident. Tax free interest means interest payable is exempt from UK income tax.

Instant Access ISA

Great for tax-free flexible saving

  • Open the account with as little as £1
  • Take money out whenever you need it

You must not have subscribed to a cash ISA in the same tax year

Fixed Rate ISA

Get peace of mind for one or two year terms

  • Choose a term and open your account with £1,000
  • Fix your interest rate and watch your savings grow

No withdrawals or deposits during the term, Early Closure Charge may apply

Our Stocks and Shares ISA

Investment values can fall and rise, your capital is at risk.

A simple way to get your money working harder

Invest from a choice of five ready-made investment funds, each with a different level of investment risk from 'low' to 'high'.

Have access to your money any time. Withdraw or add more funds, and view your Invest balance in the Royal Bank app. 

Eligibility criteria, fees and charges apply.

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How to get started with an ISA

Understanding ISAs

Need a helping hand? Let us guide you through what an ISA is and how you can benefit from one.

Transferring your ISA

You can transfer an existing cash or stocks & shares ISA to a cash ISA at Royal Bank of Scotland. Our simple transfer process safeguards your tax-free entitlement.

Manage your existing Royal Bank of Scotland ISA

Understand what to do to apply for ISA inheritance allowance or simply how to get started with your cash ISA. 

Financial Services Compensation Scheme

Your eligible deposits with Royal Bank of Scotland are protected by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

Find out more about the scheme and how it protects your money.

Something else we can help you with?