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Invest Wise Accounts
Aged 18 - 25? Get started for free with our Invest Wise accounts.
Free account for 18 – 25-year olds
- No admin fee (until you’re 26).
- Free regular investing through our scheduled investment service.
- Smart tools to help you invest.
- All in one dedicated app.
Easy as 1 2 3
Choose an account:
- Invest Wise ISA – up to £20,000 ISA allowance a year.
- Invest Wise Account – if you’ve already maxed your £20k ISA allowance.
Do your research:
- View our ETF Quicklist
- Explore the markets and news headlines
- View our Select list
- Read some investing skills guides
Get going:
- Free regular investing
- Deal now for £9.50
- No commission on international trades (1.25% FX fee applies).
Is investing for you?
You can start from just £20 a month with our free regular investment plan. Yes, there are risks, so make sure you do your homework.
Due to the risks involved with investing, you should only invest if you have enough cash savings. Having savings is essential to make sure you can cover any expenses or emergencies without having to prematurely sell any of your investments.
If you’re not sure about investing, seek financial advice and keep reviewing your goals. Investing is for the medium to long term, at least 5-10 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. Invested money, historically, has earned a higher level of return than savings but nothing is guaranteed.
Choose an account
Ensure you apply for an account using your main residential address. Your application may be rejected if we cannot verify you at the address provided.
Invest Wise ISA
Perfect for investing your £20k ISA allowance.
- Invest up to £20,000 tax efficiently every year.
- Choose when, where and how to invest.
- Any increase on your investment is free from UK income and capital gains tax.
Invest Wise Account
Perfect if you hit the £20,000 ISA limit.
- No limit on the amount you can invest.
- Choose when, where and how to invest.
- Any income or gain may be subject to tax.
Terms and Conditions (PDF 336kb)
We’re making some changes to our ISA and Share Dealing Terms and Conditions. View the new terms [PDF 560kb] (effective from 20 January 2025).
Your money is protected
Investments with Bank of Scotland Share Dealing are protected up to a total of £85,000 by the Financial Services Compensation Scheme. This limit is applied to the aggregated total of any stock or cash held across the following brands which we administer.
This is in addition to any other savings deposits you may hold across Lloyds Banking Group.
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Let your money work harder
Pay the same fees with us, no matter how much you invest.
Transferring is free and easy (just use the ‘transfer’ option in your account).
Don’t stop now
26 doesn’t mean your investing life is over.
You’ll pay £36 a year but that doesn’t mean you can’t keep investing in your future goals.
Bank of Scotland Share Dealing Service is operated by Halifax Share Dealing Limited. Registered in England and Wales No. 3195646. Registered Office: Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.
