Investing made easy with Invest+

Whether you know very little or lots about investing we can help. Invest+ is like having a financial advisor in your pocket, to find the right investment for you.

We believe investing is for everyone, so whatever you’re dreaming of, Invest+ can help make it a reality.

Why invest?

Investing can help you grow your money more effectively than cash savings but it’s not a short-term strategy. Think for the longer term, 5+ years.

The graph below shows how global investments have performed against savings over the last 10 years.

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change in the future.

Investments vs. Savings

If you’d have invested £1,000 in a fund tracking the S&P World Index (it tracks medium to large companies across 24 developed markets) in 2014, it would have been worth £2,466 in January 2024.

Whereas £1,000 kept in a typical savings account would be worth £1,189 today.

Source: (Savings) MoneyFacts 12m Fixed Non-ISA rates (decile 2), January 2024. (Investments) S&P Dow Jones Indices, S&P World Index (GBP).

Data is based on an initial investment/deposit value of £1,000 and held over a 10-year period between 01/01/2014 and 01/01/2024.

Excludes fees. Past performance is not a reliable indicator of future performance.

Breakdown of savings and investment figures.

 

Why would I need investment advice?

Lots of our customers are beginning to invest, but it’s important to do it the right way.

Invest+ has been designed by investment experts. Our advice will help you understand the right amount to invest, and we’ll assess the level of risk you’re comfortable taking. This allows us to provide a personalised investment recommendation that can help your money grow.

There is a one-off £50 advice fee if you purchase your recommended investment.

How it works...

Get started

Invest from either £100 a month or a £1,500 lump sum, or both.

Use our expertise

We’ll match you to an investment that’s right for you and manage it going forward.

We’re in it together

If you need help our UK based, specialist team is on hand.

To apply, you’ll need to be:

An Online Bank of Scotland customer

At least 18 years old

Currently living in the UK

US Persons and residents of the US are not eligible

How to get started with Invest+

There are two easy ways to apply…

How to get started with Invest+

There are two easy ways to apply…

Bank of Scotland QR code image

Mobile Banking app

  1. Log in to Mobile Banking app.
  2. Click 'Apply' on the navigation.
  3. Select 'Investments'.
  4. Select 'Investment advice? Ask Invest+’.
More about our app

Internet Banking

  1. Log in to Online Banking.
  2. Under 'Our Products and Services' select 'Savings & Investments'.
  3. Select 'Investment advice? Ask Invest+’.
Log in to apply

How to get started with Invest+

How to get started with Invest+

Mobile Banking app

Simply log in below and we’ll take you straight there.

Log in to apply

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Risk explained

Understanding risk and reward is crucial to investing. Read our article to learn more.

Understanding risk

Boost your skills

We have a range of easy-to-read content to grow your confidence in investing.

Boost your skills

Important legal information

Our terms and conditions (PDF, 62 KB) cover the Invest+ service. If you choose to proceed, we’ll email these to you and also keep a copy for future reference.

We will not:

  • Advise on existing investments, pensions, estate planning or caring for loved ones.
  • Provide ongoing financial advice or consider recommendations from other providers.

All advice is regulated by the Financial Conduct Authority and covered by the Financial Services Compensation Scheme. The value of investments, and income from them, can fall as well as rise and you might get back less than you invest. Investing for 5+ years helps to reduce the impact of market changes over time.
 

Your money is protected

Our Ready-Made Investments are provided by Embark Investment Services Limited and are protected up to a total of £85,000 by the Financial Services Compensation Scheme.

You can get more information on the FSCS on their website: fscs.org.uk.

Ways to invest

With our support, we can help you find the right account for you.

Our accounts

Ways to invest

With our support, we can help you find the right account for you.

Our accounts