NatWest Invest

Start investing with a Stocks and Shares ISA

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 NatWest 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.

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Invest for your future with a Stocks and Shares ISA

Start investing with a Stocks and Shares ISA and put your money to work towards your goals.

Invest up to £20,000 this tax year – this is your total ISA allowance that could also be split with a cash ISA as well.
Any money you make is free from UK Income and Capital Gains Tax.
To give your money the best chance to grow, be prepared to invest for five years or more.

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.

Invest for your future with a Stocks and Shares ISA

Start investing with a Stocks and Shares ISA and put your money to work towards your goals.

Invest up to £20,000 this tax year – this is your total ISA allowance that could also be split with a cash ISA as well.
Any money you make is free from UK Income and Capital Gains Tax.
To give your money the best chance to grow, be prepared to invest for five years or more.

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.

Why invest with us?

Your money is looked after by the experienced team of investment managers at Coutts.
We aim to offer one of the best Stocks and Shares ISAs for value, with low, transparent fees – just 0.55%, or 55p for every £100 invested.
Our Stocks and Shares ISA endorsed as Which? Great Value.
Use your online account to keep track, add more or withdraw whenever you like.

How much does it cost to invest with us?

Your fees will be 0.55% of your investment or less. This 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 NatWest Invest account.

We take this payment at the end of every quarter (that’s March, June, September and December).

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.

Open a Stocks and Shares ISA

Start with just £50.
Five ready-made fund options to choose from - pick one that suits your style.
You could also move your other ISAs to us for a clearer view of your investments.

Open an ISA Open in new window

Open a Stocks and Shares ISA

Start with just £50.
Five ready-made fund options to choose from - pick one that suits your style.
You could also move your other ISAs to us for a clearer view of your investments.

Open an ISA Open in new window

Transfer your ISA to NatWest Invest

You can move your ISAs to us, so you have everything in one place, saving you time.
If you're paying higher fees for your other ISAs, you could pay less so you keep more of your money.

Choose one of our five ready-made funds so your ISA sticks to one clear plan.

Transfer an ISA Open in new window

Transfer your ISA to NatWest Invest

You can move your ISAs to us, so you have everything in one place, saving you time.
If you're paying higher fees for your other ISAs, you could pay less so you keep more of your money.

Choose one of our five ready-made funds so your ISA sticks to one clear plan.

Transfer an ISA Open in new window

Frequently asked questions

Is there anything I should consider before start investing?

Before investing you should consider:

Setting aside enough money in accessible savings to cover any emergencies - an amount of around 4 times your essential monthly expenditure is typically about right.
If your existing insurance and pension arrangements are sufficient for your needs.
Paying off any high interest debts that your money would be better used to repay.
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.

The value of investments can go down as well as up. This means you could get back less than the amount you invest. New to investing? Learn more about the difference between saving and investing before you start to invest.

Can I buy individual stocks and add to my NatWest investment?

There is no ability to buy individual stocks and add to these funds. NatWest Invest is a simple way to invest online. You can invest into a range of five funds which are managed by the investment team at Coutts & Co.

See more on our different investment funds.

How are my investments with NatWest Invest protected?

Your investments would be protected even if NatWest failed. The underlying assets within each of the Personal Portfolio Funds available through NatWest Invest are held separately from NatWest by an independent company called a depositary, which is authorised by the Prudential Regulation Authority (PRA) and dual-regulated by the PRA and Financial Conduct Authority.

This company, the Bank of New York Mellon (International) London Branch, keeps the Personal Portfolio Funds’ underlying assets safe and holds them separately from its own.

Additionally, the Personal Portfolio Funds are based in the UK and so are covered by the UK Financial Services Compensation Scheme (FSCS). Eligible investments with us are protected up to a total of £85,000 by The Financial Services Compensation Scheme (FSCS). This means if NatWest were to cease trading, your money is protected. This doesn’t include losses made as a result of investing.

How FSCS protects your money.

Is my investment taxed?

If you’ve invested using a Stocks and Shares ISA the good news is that any profits and/or income from your investments in the Stocks and Shares ISA are not taxable in the UK.

If, however, you’ve invested in what’s known as a General Investment Account then the following information on tax will likely apply to you.

The two main types of tax to think about when you have an investment are:

Income Tax – the tax levied by the government on any income, most people will be used to seeing this type of tax on their pay slips.
Capital Gains Tax – the tax levied by the government on something that has been sold for more than it was purchased for i.e. making a profit (a capital gain).

See more information on tax.

Contact us

If you're already investing with us, you can log in to your NatWest Invest account for day to day transactions, or if you're concerned about the current situation and have questions about managing your investment during this time, please see our latest guidance and common questions.

If you'd prefer to speak to us log in to NatWest Invest.

Already investing with us?

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.

See investment guides

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