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NatWest Invest

Start investing, with a tax-efficient Stocks and Shares ISA

The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.

Investing your way with NatWest

Choose how much you want to invest and how to hold your investments - in a Stocks and Shares ISA or a General Investment Account.

  • Choose from five ready-made funds, from defensive to adventurous.
  • We keep fees low so you keep more of any money you make.
  • Keep track, add more money, and set up or change monthly payments whenever you like with 24/7 online access.

Investment options

When you invest you'll have two choices on how to hold your investment. Whichever option you choose you'll still need to choose from one of the five ready-made funds, you can't select individual stocks and shares to invest in.

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What is a Stocks and Shares ISA?

Tax-efficient way to invest

A Stocks and Shares ISA allows you to invest without paying UK Income Tax or Capital Gains Tax on any money you make from the investment.

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). 

 

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What is a General Investment Account?

A flexible way to invest when you've used your ISA allowance

There’s no upper limit to the amount you can invest in a General Investment Account. However UK Income Tax and Capital Gains Tax may be payable.

You can hold investments in a Stocks and Shares ISA and a General Investment Account. 

 

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How to invest your money

Choose investment options

  • Invest up to £20k in the current tax year with a Stocks and Shares ISA.
  • Invest as much as you like with a General Investment Account.
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Start investing from £50

  • Your investments are managed by Coutts investment managers.
  • Five ready-made low fee funds, from defensive to adventurous.
  • Withdraw at any time, although investing is designed for the long term.
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Responsible investing

  • Integrates environmental, social and governance practices into the investment approach.
  • Committed to achieving Net Zero by 2050.
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Investment calculator

Use our calculator below to see how much your money could grow and get an idea of how much a monthly contribution can affect your investment. 

1. Five ready-made funds

Find out about our five funds in more detail below.

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2. Have you invested before?

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3. Choose the investment account

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Amount invested

£0

Likely return

£0

If your investment performs worse

£0

If your investment performs better

£0

These forecasts show what you could get back in different market conditions and aren’t a guarantee of a set return. The value of investments can fall as well as rise, and you may not get back the full amount you invest. More about your forecast.

How much does it cost to invest with us?

We get that figuring out investment costs can be tricky. Our goal is to make it easy for you to know what you'll pay as a customer. 

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Our fees and charges

Platform fee

0.15%
This covers the cost of admin and online access.

Fund ongoing charge

0.40%
This covers the cost of managing your investment.

Transaction costs

0.07%
The cost of buying and selling shares and other investments.
Here's an example

Here's an example

If you invest £1,000 in to our NatWest Invest Stocks & Shares ISA, then we estimate that it'll cost approximately £6.20 a year to invest with us. 

How to start investing

Log in and explore invest

Log in to the NatWest investment portal, you'll need your Online Banking details.

Complete your investment

Let us know if you want to choose your own investment or automated advice.  With automated advice there is a one-off fee of £10 for our advice if you invest. There will be no fee if we think investing isn’t right for you or if you don’t invest.

Sit back and relax

Coutts investment managers will invest your funds. Log back in at anytime to check your investment and top up.

Any questions?

Ready to start?

To do this, you’ll need to be a NatWest customer with Online Banking, aged 18 - 84 and a UK resident for tax purposes.

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.

Something else we can help you with?