Eligibility, Terms and Conditions apply. Your existing provider may charge an exit fee. We promote cash rewards at various times. Please take the time to decide whether making a transfer into a Coutts Invest ISA or Pension is right for you. The value of investments can fall as well as rise.
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Make it easier to manage your pensions and ISAs by bringing them together with Coutts Invest
Why Choose Coutts Invest?
- Easy to use
Choose how much you want to transfer, select from our five ready-made funds that best suit your goals and complete it easily online.
- Managed by experts
Our multi-asset funds are managed by our highly experienced team, harnessing global investment opportunities and actively managing risk.
- Competitive fees
Our fees are simple, transparent and competitive.
You could receive a cash reward of between £5,000 and £50 when you make a transfer to a Coutts Invest Stocks and Shares ISA or Pension between 18 May 2026 and 18 September 2026. If you transfer to us, your investments will be in one, easy-to-manage place and they will be managed by our dedicated investment team, helping ensure your wealth is on the right trajectory for your desired future. The amount of cash reward you could receive:
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Important information
Our cash reward is based on the total amount you transfer to us from your pensions and ISAs. You can transfer any cash ISAs to our Stocks and Shares ISA. As your money will then be invested, it’s important to note that over longer periods of time (five years or more), investments such as stocks, shares and funds have the potential to give you higher returns compared to cash savings. However, returns aren’t guaranteed and the value of investments can fall as well as rise. There is a chance you may get back less than you put in. You should hold cash for short term needs. To qualify for a cash reward, transfers must come from providers outside of the NatWest Group. Eligibility, Terms and Conditions apply. If you're transferring from a fixed term or fixed rate ISA there may be early exit fees or early closure charges from your current provider. We apply fees to investment accounts.
Is transferring your pension right for you?
It’s important to take your time before transferring your pension and to review what is the best option for you. Here are a few things to know and consider before transferring:
Check for exit fees – Contact your current pension provider to see if you could face exit fees for transferring out your pension.
Loss of benefits – Make sure you wouldn’t lose any valuable benefits such as guaranteed annuity rates, a lower protected pension age, or existing workplace contributions, for example.
Compare fees – With Coutts Invest, the most you’ll pay is 0.55% (that's a Platform fee of 0.15% and a Fund fee of 0.40%) of your investments per year. Check what fees your current provider offers and what this means for your plans.
Get advice – We promote cash rewards at various times. Please take the time to decide whether transferring your existing products to Coutts Invest is right for you, as you may lose existing benefits. You might want to consider speaking to a financial adviser before transferring a pension.
How your pension is transferred – For your pension to be moved to us, it will first need to be transferred to cash by your current provider so we can reinvest it into one of our funds. This means that the value of your pension will not go up or down with market changes for a short period as we complete the transfer.
The information on this page does not constitute personal advice.
How to transfer your eligible investments
1. Login to Coutts Invest
Access our secure platform either online or via the app.
2. Select account type
Choose the account type you are transferring to by selecting:
- Transfer an ISA
- Transfer a Pension
3. Provide us with your details
An old statement or your investment account with your current provider should have all the relevant information you need to apply for a transfer – such as account number and National Insurance number. To help complete the process quickly, it’s worth checking that your details with your provider match our records such as your name and address. If they don’t match, it could be worth updating your information with your current provider to speed up the transfer process.
4. Complete your transfer
Follow the simple online transfer journey and complete your transfer request. We’ll handle the rest with your current provider.
Most transfers complete within four weeks. Your cash reward will be paid into your Coutts current account by 18 March 2027.
Important information
You must be aged 18-84 for Stocks and Shares ISA, 18 – 75 for a Pension and a UK resident for tax purposes. Contributions cannot be made if you are a US citizen or US Green Card holder. You cannot access your Pension benefits before the age of 55 (changing to 57 in 2028). Please check with your current provider if they will charge any exit fees, penalties or other costs before applying transfer your funds.