NatWest Invest offers a stocks and shares ISA – a tax wrapper around your choice of the five Personal Portfolio Funds. This means that any value increase of the funds held within the ISA is free of income tax and capital gains tax when you sell. You don’t need to declare a stocks and shares ISA on your tax return.
If you have an existing ISA, you can transfer it into your ISA with us.
Learn more about ISAs
ISAs are Individual Savings Accounts. There are a number of types – the most common ones are cash ISAs and stocks and shares ISAs. The key point is that they give you a tax-efficient way to save or invest up to the annual ISA limit within the current tax year. Whether or not this suits you will be down to your personal circumstances. If you do think using an ISA is a good idea, you can put your money in one type of ISA or a combination of the types below if you so wish.
Stocks and shares ISAs are a tax-efficient way to invest in shares or funds. These are available through NatWest Invest.
Cash ISAs are deposit accounts that pay interest and you don't pay any tax on interest earned. Cash ISA is not available through NatWest Invest.
Help to Buy: ISAs are for savers looking to save towards their first home, where the government will add a bonus to the Help to Buy: ISA.
Help to Buy: ISA is not available through NatWest Invest.
Flexible ISAs allow you to withdraw money from your ISA at any point then return it in the same tax year without affecting your allowance. Flexible ISA functionality only applies to Cash ISAs and cash held in Stocks & Shares ISAs.
Flexible ISA is not available through NatWest Invest.
Innovative finance ISAs allow you to access peer to peer lending in an ISA wrapper and receive tax free interest. Innovative finance ISAs can also be flexible (as described above). Innovative finance ISA is not available through NatWest Invest.