Help your Money work harder

Investing online with NatWest

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 will then pay you £50 in November 2020 provided that you have met the terms of the offer 

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

We may withdraw this offer before 31 July. 

Investing with NatWest

Simple and affordable Investing. You can choose how much to invest and the level of risk you're comfortable with or get help with online automated advice. Then let us help get your money working harder.

  • Five ready made funds, from cautious & careful to daring & determined
  • Start investing from £50
  • Stocks and Shares ISA for tax efficient investing
  • Investments managed by Coutts investment managers, so they'll do the hard work for you
  • Withdraw at any time, although investing is designed for the longer term. 

Already investing with NatWest Invest? Go straight to 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

This is Personal Portfolio 1 Fund (PPF1 for short). It’s the lowest-risk fund we offer. The equivalent of making a group booking at an Italian restaurant — because most people like Italian food, right?

Steady and Sound

Personal Portfolio 2 Fund (we call it PPF2), takes a step up the risk ladder, but a relatively small step. It’s like taking a different route to work. Might be easier, might be harder, but overall, it’s not a huge risk.


Balanced and Bold

Personal Portfolio 3 Fund (PPF3 is easier) increases the focus on higher-risk investments. It’s like someone considering a new hobby, like indoor climbing, but not until they’ve got all the safety gear.


Optimistic and Assured

If Personal Portfolio 4 Fund (aka PPF4) was a person, they’d have taken their training wheels off early. Sure, they’d have some extra bruises, but they’d also have got faster results.

Daring and Determined

Personal Portfolio 5 Fund (just call it PPF5) is the adventurer of the group. This is the one who’d be off diving with sharks while the rest of us sunbathed on deck.

NatWest 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

When you invest 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.

Stocks 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’s no upper limit to the amount you can invest in a General Investment Account. However UK Income Tax and Capital Gains Tax may be payable.

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

NatWest Invest fees, costs and charges

Already investing with us?

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

Any questions?

How to start investing

NW - Step 1

Log in and explore invest

Log in to the NatWest investment portal, you'll need your Online Banking details. You can see a forecast of how an investment could perform.
NW - 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.
NW - 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 NatWest Invest?

To do this, you’ll need to be a NatWest customer with online banking, aged 18 - 84 and a UK resident for tax purposes. 

Do you have an online NatWest account?

Get started

Just log into NatWest Invest and use your online banking log in details. 

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

You'll need to be a NatWest customer with online banking to continue

Getting set up should only take a few steps. 

Become a NatWest customer