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Bank of Scotland ISA

Bank of Scotland ISAs - Compare ISAs from a variety of providers
Investment Fund Supermarket ISAs

Stocks & Shares ISA

from Fidelity

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK, plus shares, investment trusts and exchange-traded funds. There’s also expert guidance to help with your investment decisions, which includes a selection of tools and insights from Fidelity’s experts. Capital at risk. Tax and ISA rules apply.
  • Invest From: £25 through regular savings or £1,000 lump sum

Why we like it: Fidelity has lots of investment options, plus an extensive range of guidance tools to help you decide what to invest in. Their award-winning ISA is easy to start and offers great value, their a typical service fee of just 0.35%. Other ongoing charges apply. On top of that, everything is backed by Fidelity’s 50 years of investment experience.

Important: The value of investments can go down as well as up so you may get back less than you invest. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

Tax treatment depends on individual circumstances and all tax rules may change in the future.

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 2000+ Funds
  • Invest From: £25 pm

Why we like it: It is simple to invest in a fund online. You will need to open an account first and then choose the fund you are interested in investing in. There are over 2,000 funds to choose from but to make it easier for you AJ Bell have created their favourite funds list which is their pick of the best funds. 

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Stocks & Shares ISA

from Interactive Investor

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds or select a ready made portfolio. Investment trusts, ETFs, Bonds & Gilts. Option to invest in 6 low cost funds selected by experts to get you started. Capital at risk. Tax & ISA rules apply
  • Invest From: £25 a month or any lump sum

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Strong ethical investment proposition with more than 140 investment options. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Stocks & Shares ISA

from Hargreaves Lansdown

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Choose from over 2,500 funds, shares, investment trusts and more to build your portfolio. UK and overseas shares. Corporate and government bonds. Exchange Traded Funds (ETFs). Ready-made portfolios to suit your goals and attitude to risk from £1,000. Expert research to help make your decisions. Investment trusts and much more. Capital at risk.Tax & ISA rules apply
  • Invest From: £25 pm or from £100 lump sum

Why we like it: Choose your own funds or alternatively a ready made portfolio. Market-beating savings and discounts of up to 5.5%. No charge to buy and sell funds. Low, tiered annual charges for holding funds, with a maximum of just 0.45% per annum. Free fund updates and analysis from experienced research team. Invest with a financially secure, FTSE 100 company.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Junior ISAs

Junior Stocks and Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Investment Options: Invest from £25 per month or deposits of £100.

Why we like it: Invest for your child from £25 pm tax free. A wide range of top performing funds to choose from. The annual charge for holding investments in a Hargreaves Lansdown Junior ISA is never more than 0.45%. Your dealing and other charges will depend on the investments you choose.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Bank of Scotland ISA

Bank of Scotland ISA products include both Stocks & Shares ISA and Cash ISA options, so whether you are looking to use one or both types of ISA this tax year they might be the right choice for you. However to make sure you get the most out of your personal allowance you may want to shop around additional providers to try and make sure you find the best buy product for your needs. You can use the table above to view a selection of Individual Savings Accounts from different providers and click the links to apply:

  • Bank of Scotland Cash ISA: Bank of Scotland have a range of Cash ISA plans including; Fixed Rate, Access Cash. So whether you want a product designed to lock your cash away for a set period of time or one with penalty free withdrawals they may have the right plan for you.
  • Bank of Scotland Stocks & Share ISA: Bank of Scotland offer an Investment ISA, that lets you choose between three managed growth funds depending on your attitude to risk and to switch between them if you want to. They also offer a Self-Select Stocks & Shares ISA so you can directly pick where you invest from seven world markets.
  • Bank of Scotland Junior ISAs: Bank of Scotland also offers a Junior Cash ISA and a Junior Investment ISA.

Finding an ISA

It is a good to shop around different ISA plans before you take one out to try and get the most from your maximum. There are two kinds of ISA available in the UK; Cash ISAs and Stocks & Shares ISAs. You can open a maximum of one of each kind of account each tax year and if you choose to open both then you will have to break up your maximum personal allowance between the two as it stays the same.

  • Cash ISAs: Are a type of savings account, much like a normal saver offered by a bank or building society they accrue interest over time, the main difference however that the interest paid to you is paid tax-free. Providers offer different kinds of cash ISA such as fixed rate, easy access and instant access depending on how much access you want to your savings.
  • Stocks & Shares ISAs: Are a kind of investment account that offer a tax efficient wrapper for your investments. You can use this kind of ISA to invest in various other products like bonds and gilts as well as stocks and shares. Some Stocks & Shares ISAs are known as Self-Select that allow you to directly invest in shares and stocks of your choice in various markets, others give you a choice of managed funds with varying levels of risk. While you still pay tax on dividend, you are not charged capital gains or income tax on your investments up to the maximum allowance. It is important to remember that this is a capital at risk kind of product where the value of your investments can decrease meaning you could get back less than you invested.

ISA Transfers

It's possible to transfer your ISAs from one provider to another or from one ISA to another ISA with the same provider. While providers are required to let you transfer out they can impose an interest penalty for doing so, also providers do not have to let someone transfer in their ISA from another provider. 

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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