NatWest Invest

Up to £250 cashback for transferring your ISAs to NatWest Invest

What is NatWest Invest

NatWest Invest is an online investment service that provides a choice of five ready made investment funds. 

Choose a fund yourself or get online automated advice. Invest from £50 and you can use your ISA allowance.

Check out this short video to find out what is NatWest Invest.

Already a NatWest Invest customer? 

Why NatWest Invest

An investment through NatWest Invest has the potential to grow over the long term.

Experts decide the best places to invest your money. They invest in a low cost way and make sure 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 relies less on one company, country or type of asset.

Five funds

Low Risk - Personal Portfolio 1 Fund

This is the lowest risk fund in the range with an emphasis towards low risk assets, such as bonds. The low risk fund invests at least 70% of its value in bonds.

Low to Medium Risk - Personal Portfolio 2 Fund

As the risk increases, the amount invested in lower risk investments, such as bonds reduces. The low to medium risk fund invests at least 50% of its value in bonds.

Medium Risk - Personal Portfolio 3 Fund

The medium risk fund has an increasing exposure to higher risk investments, such as equities. The medium risk fund invests at least 45% of its value in equities.

Medium to High Risk - Personal Portfolio 4 Fund

As risk increases further, so does the exposure to equities. The medium to high risk fund invests at least 65% of its value in equities.

High Risk - Personal Portfolio 5 Fund

This is the highest risk fund in the range with the greatest emphasis on higher risk assets, such as equities. The high risk fund invests at least 90% of its value in equities.

Transfer your ISAs and get up to £250 cashback

You’ll get cashback up to £250 when you transfer ISAs you hold elsewhere* to NatWest Invest by 30 April 2019. The amount you’ll get will depend on how much you transfer. See full offer Terms for more information.

*Elsewhere means the current ISA manager is not a member of The Royal Bank of Scotland Group plc.

 

NatWest External Transfer offer tiers

Stocks and shares ISA

What sets a stocks and shares ISA apart from a general investment account is that any growth in the value of your investment is tax-efficient and you don’t have to declare ISAs on your tax return.

Because of its tax benefits, a stocks and shares ISA could help your investment grow faster over time.

You can put up to £20,000 into an ISA in the 2019/2020 tax year

There's no UK income or UK capital-gains tax on your investment in a stocks and shares ISA

Transferring your ISAs held elsewhere to NatWest Invest could save you time and money on investment fees.

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.

NatWest Invest fees, costs and charges

Find out what the different fees, charges and costs cover

Platform Fee

This covers the cost of administration and online access to your NatWest 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 0.15% 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. 

How to start NatWest Invest

Log in and explore

Log into NatWest Invest and start to explore the options available to you. To do this, you’ll need to be a NatWest customer with online banking, aged 18 - 84 and a UK resident for tax purposes to continue.

Choose how you invest

Select how much you want to invest, which fund, if you would like to invest using a stocks and shares ISA. Alternatively, get advice online.

Make your investment

Complete your application.

Need 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 877 7103 (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 start exploring NatWest Invest?

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

Setting that up should only take a few steps. 

Become a NatWest customer

Are you an existing NatWest Invest customer?

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?

Get the latest fund information, including:

  • Fund performance
  • Market update
  • Fund positioning and outlook

 

Check NatWest Invest fund performance 

 

Yes.
You can choose to transfer any existing ISAs you have to NatWest Invest.

If you need advice deciding whether you should transfer, we're sorry but we can't help - our automated advice service only offers advice on investing your spare income and savings.

Coutts & Co do the investment management.

Made up of more than 60 investment specialists, the team at Coutts includes economists and investment analysts with years of experience managing money.

The five funds are provided by RBS Asset Management (Dublin) Limited.

Before investing you should consider:

Setting aside enough money in accessible savings to cover any emergencies - an amount of around 4 times your essential monthly expenditure is typically about right.

If your existing insurance and pension arrangements are sufficient for your needs.

Paying off any high interest debts that your money would be better used to repay.

You can make withdrawals at any time but generally the longer you invest for the more chance there is for growth on your investment. So if you invest you should be prepared to do so for 5 years or more. 

The value of investments can go down as well as up. This means you could get back less than the amount you invest.  New to investing? Learn more about the difference between saving and investing before you start to invest. 

The cashback offer only applies to external ISA transfers where the ISA manager is not a member of The Royal Bank of Scotland Group plc. To qualify, we must be in receipt of the completed ISA transfer application by the offer closure date (30 April 2019). Any amounts withdrawn by the customer from a NatWest Invest ISA between 11 February 2019 and 30 June 2019 will be deducted from the qualifying balance and therefore may reduce the cashback payable. We will make payment directly to customers’ bank account by 15 July 2019.  See full offer Terms for more information.

The assets held within each of the Personal Portfolio Funds are held separately from the bank by an independent company called a depositary, which is authorised by the Central Bank of Ireland. So your investments would be safe even if NatWest failed. Your investments through NatWest Invest may also be covered by the Financial Services Compensation Scheme in some scenarios.

For more details click here.