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Royal Bank Invest investment platform review
Is Royal Bank Invest any good?
Royal Bank Invest is a Great Value provider for 2025.
In our latest customer satisfaction survey, Royal Bank Invest received a customer score of 76% for its stocks and shares Isa, putting it joint 4th out of 25 providers.
As the investment arm of the well-known Royal Bank of Scotland, Royal Bank Invest offers five ready-made investment funds managed by Coutts investment managers as part of the NatWest Group.
Out of the platforms in our survey, Royal Bank Invest was the cheapest option for portfolios of funds of around £25,000 and under, alongside sister company NatWest.
It also received an above-average four-star rating for both customer service and value for money.
The minimum investment to use Royal Bank Invest is £50.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an investment platform before committing to any financial products.
- Find out more: Best investment platforms in the UK 2025
Royal Bank Invest stocks and shares Isa scores in more detail
| Aspect of service | Star rating |
| Customer service | |
| Ease of use | |
| Information on investments | |
| Value for money |
What do customers say about Royal Bank Invest?
Comments from Royal Bank Invest customers that took part in our survey include:
- 'Good system for managing which is easy to access, easy to use, works well and has proved reliable. Given the amount saved, it is a very cost effective option.'
- 'Their service is fast and seamless, and their staff are very knowledgeable and friendly, I enjoying banking and investing with them.'
- 'I like that I can view and manage it in the RBS app and I like how they rate it “adventurous”, “cautious” etc which helps me choose an appropriate risk level.'
Visit Royal Bank Invest to find out more about its accounts, services and investment options.
How much does Royal Bank Invest cost?
There's no difference in fees whether you're investing in a Royal Bank Invest stocks and shares Isa or general investment account.
Annual platform charge:
- 0.15% up to £1 million, 0.1% for £1 million to £5 million, 0.05% for more than £5 million
Trading charges:
- None
Foreign exchange charge:
This applies to each trade of investments denominated in another currency, for example US stocks, on top of fund and trading charges.
- N/A
How much would I pay to invest with Royal Bank Invest?
We've estimated the cost of investing with Royal Bank Invest over the course of a year in a stocks and shares Isa.
Costs will vary depending on how much you invest and whether you trade funds or shares. All assume you make four purchases and four sales each year, spread out over different months.
| Amount invested | Annual fund charges |
|---|---|
| £5,000 | £8 |
| £10,000 | £15 |
| £25,000 | £38 |
| £50,000 | £75 |
| £100,000 | £150 |
| £250,000 | £375 |
| £500,000 | £750 |
Table notes: Annual charges include platform fee and any trading charges. We have not included other charges that might apply, such as foreign exchange fees or fund management charges that are levied by fund managers, as these vary depending on the specific investments you hold. Fund management fees can range from less than 0.1% for some passively managed 'tracker' funds, to 1.25% or more for actively managed funds or investment trusts.
If you're thinking of using Royal Bank Invest to take an income from your pension in a drawdown plan, read our comparison of pension drawdown plans and charges.
- Find out more: Compare investment platform fees and charges
What can you invest in with Royal Bank Invest?
Royal Bank Invest accounts and services
Find out more about Royal Bank Invest by using the links below to view their accounts and services:
- General investment account
- Stocks and shares Isa
- Self-invested personal pension (Sipp)
- Junior Isa
- Investment advice with a financial planner
Investments on Royal Bank Invest
- Five funds
Correct as of January 2025
Is Royal Bank Invest good for ethical investors?
Royal Bank Invest doesn't offer any option to filter investments but as it only has five funds available, it's easier to find out how ethical they are.
It lists each fund’s top 10 holdings, so you can see the companies making up the largest portions of investment in a fund.
- Find out more: Ethical investing explained
Is your money safe with Royal Bank Invest?
Royal Bank Invest is regulated by the Financial Conduct Authority and covered by the Financial Services Compensation Scheme (FSCS).
When you invest with an investment platform that's registered with the Financial Conduct Authority, your money will be ring-fenced and should be returned to you if a company goes bust – without having to wait alongside other creditors.
If ring-fencing failed, you would be compensated by the FSCS.
The FSCS will cover up to £85,000 of investments per person, per platform. You can claim for free online at www.fscs.org.uk: there's no reason to use a claims management company.
You won't be compensated for investments falling in value, or if a company in which you hold shares goes bust, unless this poor performance resulted from bad advice given by a regulated Independent Financial Advisor that has since gone bust.
- Find out more: Are your investments protected?