Royal Bank Invest
Makes investing simple

Take advantage of our Cashback offer!

Act now!

1. Start with an initial investment of at least £100 between 1-31 July 2020

2. Set up regular monthly contributions by 31 August 2020

3. Continue to make regular monthly contributions until 31 October 2020

4. We'll then pay you £50 in November 2020 provided that you have met the terms of the offer. 

This offer is available to first time Royal Bank Invest customers only. Ts&Cs apply.

We may withdraw this offer before 31 July. 

Investing with Royal Bank

With so many investment options, it can be difficult to start investing. That’s why we’ve created Royal Bank Invest where our Coutts experts manage the investments for you. You only need to choose how much you want to put in and your preferred level of risk or get help with online automated advice. Then leave the hard work to us. 

  • 5 ready made funds, from cautious & careful to daring & determined 
  • Start investing from £50
  • Stocks and Shares ISA for tax efficient investing
  • Withdraw at any time, although investing is designed for the longer term

Already investing with Royal Bank Invest? Go straight to Digital banking log in

What's your investment personality?

We believe investment should be simple. So we’d like to introduce you to five ready-made, online investment funds that get you started from just £50. Just like you, each has its own characteristics. So if one of them sounds familiar, it might be the investment that will suit you best.

Our five investment personalities


Cautious and Careful

Personal Portfolio 1 Fund (or, as we like to call it, PPF1) is the lowest-risk investment fund we offer. It’s a bit like making a group booking at an Italian restaurant — because everyone likes something from an Italian menu, right?

Steady and Sound

Personal Portfolio 2 Fund (we prefer PPF2 for short), takes a wee step up the risk ladder — and we really mean a wee step. Think of it like driving to work a different way. You might get there quicker, you might not. Either way, it doesn't represent a huge risk in life.


Balanced and Bold

Personal Portfolio 3 Fund (just call it PPF3) puts more focus on higher-risk investments. It’s maybe on a level with someone considering a new hobby, like indoor climbing, but not without all the right safety gear.


Optimistic and Assured

If Personal Portfolio 4 Fund (guess what – we call it PPF4) was a person, they’d be the kind who takes the training wheels off their bike before they’ve mastered riding it. Sure, it means more bruises, but it also means faster results.

Daring and Determined

Personal Portfolio 5 Fund (we much prefer PPF5) is a bold adventurer. If it was on holiday with friends it’d be the one off shark diving without a cage while everyone else stayed sensibly on the boat.

Royal Bank Invest past performance

Take a look how the five funds have performed in the past. As investments can go down as well as up, past performance isn't an indicator of future performance. However, this will show you how the funds have performed over time. 

Investment options

You'll have two choices on how to hold your investment. Whichever option you choose you'll still need to choose from one of the 5 ready made funds, you can't select individual stocks and shares to invest in.

Stock and Shares ISA

Investments held in a Stocks and Shares ISA means you don’t need to pay UK Income Tax or Capital Gains Tax on any investment growth. But there’s a limit on what you can invest in ISAs in any given tax year, for the 2020/2021 tax year it’s £20,000 (this is the total for both Cash ISAs and Stocks and Shares ISAs).

General Investment Account

There is no limit on the amount you can invest in the Royal Bank Invest General Investment Account. However, UK income tax and Capital Gains Tax are potentially payable.

You can hold investments in a Stocks and Shares ISA and a General Investment Account.

Royal Bank Invest fees, costs and charges

Already a Royal Bank Invest customer?

If you're already a Royal Bank Invest customer, you can track the progress of your investment as and when you want with your digital investment account.

Any questions?

How to start investing

RBS - Step 1

Log in and explore invest

Log in to the Royal Bank investment portal, you'll need your Online Banking details. You can see a forecast of how an investment could perform.
RBS - Step 2

Complete your investment

Firstly, let us know if you want to choose your own investment or get advice. Then tell us a bit about you and how much you want to invest.
RBS - Step 3

Sit back and relax

Coutts investment managers will invest your funds. Log back in at anytime to check your investment and top up.

Ready to start exploring Royal Bank Invest?

To do this, you’ll need to be a Royal Bank customer with Digital Banking, aged 18 - 84 and a UK resident for tax purposes.

Do you have a digital Royal Bank account?

Great. Use your details to login

You will need your Digital Banking details to continue

Forgotten any of your login details? No worries, we can help.

You'll need to be a Royal Bank customer with Digital Banking to continue

Setting it up should only take a few steps.