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Amend paper-free preferences for your statements and correspondence.
ISAs
Make the most of this year’s ISA allowance with ISAs that work for you.
Short-term goals
Cash ISAs are a smart choice for short-term goals. They offer reliable interest rates, making them great for building an emergency fund, saving for a holiday, or buying a car. Plus, helping your money stay safe and easily accessible.
Medium to long-term goals
Stocks and Shares ISAs can grow more over time, ideal for medium to long-term goals. Such as saving for a house deposit, funding children’s education or growing wealth for long-term financial security.
Should I save or invest?
Learn how savings and investments could work together, helping you reach your financial goals.
Short-term goals
Access Cash ISA
Want to save but also have instant access to your money? With this flexible cash ISA, you can do just that.
- Earn up to 1.35% AER/tax-free variable interest. The rate depends on your balance.
- Get started from as little as £1.
- No charges for withdrawals.
Advantage ISA Saver
Our cash ISA for Vantage customers which pays more interest if you make fewer withdrawals.
- Exclusively available for Vantage customers.
- Earn 3.50% AER/3.45% tax-free variable interest if you make 3 or fewer withdrawals in the 12 months after opening.
- Open with as little as £1.
Fixed savings
Clear short-term goals require straightforward accounts.
1 Year Fixed Cash ISA
For that extra certainty, lock your money away for a year in this cash ISA. It pays you a fixed rate of tax-free interest.
- Earn 3.95% AER/tax-free fixed interest for one year.
- Open with £500 or more.
- A fixed interest rate for extra certainty.
- A fee to withdraw early applies.
2 Year Fixed Cash ISA
For that goal that’s a little further away, lock your money away for two years in this cash ISA. It pays you a fixed rate of tax-free interest.
- Earn 3.75% AER/tax-free fixed interest for two years.
- Open with £500 or more.
- A fixed interest rate for extra certainty.
- A fee to withdraw early applies.
Medium to long-term goals
Stocks and Shares ISA
Pick your own stocks and shares from a wide range of investments.
- Create and control your own portfolio.
- Invest without the trading fees within a Regular Investment Plan.
- ETF Quicklist and other investment tools to help you get started.
Ready-Made Investments ISA
Exclusive to existing Bank of Scotland online banking customers. Investing made easy.
- Our funds are ready-made by experts, so you don’t have to do anything.
- Pick a level of risk that suits you.
- Decide how much to invest, starting from £50 a month or a £500 lump sum.
Invest Wise ISA
Free investment ISA for 18 to 25 year olds.
- Free account up to age 26.
- Invest without the trading fees within a Regular Investment Plan.
- ETF Quicklist and other investment tools to help you get started.
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. If you’re not sure about investing, seek financial advice. There will normally be a charge for that advice. Tax treatment depends on individual circumstances and may be subject to change in the future.
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What is an ISA?
An Individual Savings Account helps you to save and invest tax efficiently.
Understanding investing
Whether you’re new to investing or more experienced, it’s always good practice to keep learning.
Should I save or invest?
Learn how savings and investments could work together, helping you reach your financial goals.
Financial Services Compensation Scheme.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). For further information about the compensation provided by the FSCS, refer to the FSCS website at www.fscs.org.uk/. You can also visit our Financial Services Compensation Scheme page for more details.
Important legal information
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.
Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product, which quotes an interest rate, will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
The tax-free rate is the contractual rate of interest payable where interest is exempt from income tax.