Royal Bank Invest makes investing simple
The value of investments can go down as well as up, your capital is at risk. Eligibility criteria, fees and charges apply.
What is Royal Bank Invest
Royal Bank Invest is an online investment service. It provides five ready-made investment funds to choose from.
You can choose a fund yourself or you can get online automated advice. There is a £10 fee if you take our advice.
You can invest from £50, make monthly contributions and use your ISA allowance.
Check out this short video to find out what Royal Bank Invest is.
Already a Royal Bank Invest customer?
Why Royal Bank Invest
Your investment with Royal Bank Invest has the potential to grow over the long term.
Experts from Coutts & Co. decide the best places to invest your money. They invest in a low-cost way and ensure your investment stays at a risk level you are comfortable with.
The funds can invest in a mix of assets including company shares and bonds (loans to governments or companies) and in different parts of the world. This can help reduce risk as it means your money doesn’t rely on one company, country or type of asset.
Stocks and Shares ISA
You can choose to hold your Personal Portfolio Fund in an ISA or a General Investment Account.
Holding it in an ISA means you don’t need to pay UK income tax on any income produced by your fund. It means you don’t need to pay Capital Gains Tax on any increase in the value of your fund.
You can invest up to £20,000 in an ISA in the 2019/20 tax year.
Tax reliefs referred to are those applying under current legislation, which may change. The availability and value of any tax reliefs will depend on your individual circumstances.
General Investment Account
There is no limit on the amount you can invest in the Royal Bank Invest General Investment Account but income tax and Capital Gains Tax are potentially payable.
Royal Bank Invest fees, costs and charges
What these cover
Platform Fee
This covers the cost of administration and online access to your Royal Bank Invest account. The maximum you will pay is 0.35% of the value of your investment each year.
Fund Ongoing Charge
This covers the cost of managing your investment. The maximum you will pay is 0.6% of the value of your investment each year.
Transaction Costs
This is the cost of buying and selling shares and other investments that make up the fund. The fund manager estimates, based on actual past costs, that the highest costs that will be incurred for any of the available funds will be 0.07% of the value of the fund each year. These costs will be deducted by the fund manager from the fund’s assets.
These may change in the future.
Log in and explore
Choose how you invest
Make your investment
Contact us for support
If you need any help then don't hesitate to call, our dedicated team of experts are on hand to help.
You can call us on 0345 304 1005
(for text relay, prefix the number with 18001).
Our lines are open Monday to Friday, from 8am to 6pm. We're closed Bank Holidays. Calls may be recorded.
Ready to get started?
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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 online investment account.