Stocks & Shares ISAs

You could boost your investment potential with our Stocks & Shares ISAs (also known as Investment ISAs). Invest for a rainy day or aim for a sunnier future. 

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It’s an Individual Savings Account that allows your savings and investments to grow tax-efficiently.

You can save and invest up to a total of £20,000 in a Stocks & Shares ISA in the current tax year, less any amount subscribed to other ISAs. Tax rules apply.

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Two ways to get started

You can invest from £10 a month so long as you are over 18, a UK resident and haven’t used all your current annual ISA allowance which is £20,000.

Our ISAs offer tax-efficient investing and put the growth potential of the stock market hard at work.


An easy start option of investing in our ISA. Our carefully selected single fund options include:

  • A fund with a 10-year guarantee

  • A fund with ethical credentials


You can pick from 10 funds that best suit your needs:

  • Choice of funds from low to high risk

  • Select just one, a mixture of all 10, or somewhere in between

Keep in mind that stock market investments can go down as well as up, so you could get back less than you've paid in. Tax-free means the investment grows free from tax, with the exception of any tax we’ve already paid on your behalf (for example on dividends from UK shares). Tax treatment depends on individual circumstances and tax rules could change in the future.


Our carefully selected single fund option ISAs could help get you started. These ready-made options could be an ideal choice to begin your journey as an investor, even if you’re on a budget. Once set up, you'll be able to access the other funds available within the My Choice (ISA) range, giving you full control.

My Easy Choice (ISA)

  • 10-year guarantee

  • Invest from £10 a month

  • Pay in from £100 lump sum

An easy option to get started with an investment in our Unitised With-Profits fund. Get some peace of mind with a guarantee to get back at least as much as you’ve invested on your 10-year anniversary, provided no switches or withdrawals are made.

My Ethical Choice (ISA)

  • Ethical fund choice

  • Invest from £10 a month

  • Pay in from £100 lump sum

A single fund option to get started with an investment in our International Ethical Fund. This has been designed to invest in shares of global companies that have been assessed to meet ethical criteria.


A choice of 10 funds so you can pick those that best suit your needs, whether that is just one, a mixture of all 10 or somewhere in between.

My Choice (ISA)

  • Flexible payment options

  • Invest from £10 a month

  • Pay in from £100 lump sum

A lower start investment option with flexibility over your payments.

Find your future the friendly way

Need help finding the right product for you? Our handy tool could help you choose. We've products designed to help you and your family whatever your goals in life.

Select ‘Invest for me’ or ‘Invest for a child’ to invest for you or a family member using your own ISA allowance. To invest for a child using the child’s allowance, select the ‘Invest for my child’ option. For Over 50's you can select to protect your family, too.

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Already a customer?

Did you know a special feature of your Scottish Friendly ISA allows you to invest towards more than one savings goal at the same time? 

Adding another policy to your existing Scottish Friendly ISA can help manage your different saving and investing goals. 

Whether you want to invest towards a dream car, a new home, or your child’s future, you can have as many policies as you like within your ISA limit for the tax year to do just that.

growth pot

Manage your ISA online and on the go

It's easy to start managing your ISA online with My Plans and on the go with our mobile app. But if you need some help getting things done or aren't sure where to start, we've lots of information to get you going.

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Prize draw

Building your savings and investments could be a smart move. And with Scottish Friendly, it gets even better. You’ll automatically enter our prize draw when you open a new ISA or add a policy to your existing ISA.

Here’s the exciting part. You could be one of three lucky winners to receive back the total amount you invested this tax year, up to £20,000.

Exclusions, Terms and Conditions apply.

prize draw