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NatWest Invest

Investing online with NatWest

Investing with NatWest

Simple and affordable Investing. You can choose how much to invest and the level of risk you're comfortable with or get help with online 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.

  • 5 ready made funds, from cautious to daring.
  • Start investing from £50.
  • Stocks and Shares ISA for tax efficient investing.
  • Investments managed by Coutts investment managers.
  • Withdraw any time, although investing is designed for the longer term.
  • Responsible investments focusing on companies and industries who aim to positively affect our world.

Already investing with NatWest Invest? Go straight to log in.

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 5 ready made funds, you can't select individual stocks and shares to invest in.

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). 

General Investment Account

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. 

What is your investment personality?

Just like you, each has its own characteristics. So if one of them sounds familiar, it might be the investment that will suit you best. Find out about our 5 funds in more detail

Cautious

Cautious and Careful

This is Personal Portfolio 1 Fund and it’s the lowest-risk fund we offer. Think of it as swimming in the shallow end with the peace of mind of being able to stand up.

Steady and Sound

This is Personal Portfolio 2 Fund and it's the low to medium risk fund. Think of it as venturing into the deep end of the pool but you know you can touch the side at any time.

Balanced

Balanced and Bold

This is Personal Portfolio 3 Fund which is the medium risk fund. This is like the first dip in a lake. It may be colder and get your heart rate going but there should be some beautiful views.

Optimistic

Optimistic and Assured

This is Personal Portfolio 4 Fund, which is the medium to high risk fund. Think of this as swimming out a little further to explore a reef. There are some beautiful things to see but it can be unpredictable.

Daring and Determined

This is Personal Portfolio 5 Fund and it is the highest risk fund that we offer. This is like deep sea diving. You should see some amazing things but as always there is a level of danger to consider.

What’s inflation doing to your money?

See how rising prices could be holding your cash back and what you could do about it.

Fees, charges and costs

Here’s what you could pay to use NatWest Invest for a year when making monthly contributions…

Any questions?

How to start investing

Log in and explore invest

Log in to the NatWest investment portal, you'll need your Online Banking details. You can see a forecast of how an investment could perform.

Complete your investment

Firstly, 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.

All okay? You’re nearly ready to start your Investment journey?

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?