Save it or invest it:

Savings and investments explained 

Savings and Investments


Savings accounts offer a low-risk and accessible way to look after your money. If you’re looking to make some of your money work harder, you might also consider investing.

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. Tax treatment depends on personal circumstances and may be subject to change.

Savings tips

Top tips for saving money. Grow your savings and discover ideas to help you save more.

Savings tips

About ISAs

ISAs (Individual Savings Accounts) are flexible and allow you to save or invest tax efficiently. 

Your ISA options

Savings accounts

Instant access, fixed term, children’s accounts and more. Compare your options and find the right savings account for you.

Compare savings accounts

Savings Calculator

Plan your savings with the help of our calculator. It shows you how much or how long it will take to reach your goal.

Savings Calculator

Start investing

Choose from a range of options to suit your investment level and needs. Manage your own portfolio or let us do it for you.

Discover investments

Your investor persona

This interactive quiz can help you discover what type of investor you are - and help boost your skills.

Take the quiz

How to research the market

Research tools for both new and experienced investors. The research centre helps you stay up-to-date with the latest market news.

Research the market

Boost your investment skills

Develop your skills, jargon-bust common phrases and learn more about investments with these easy-to-read articles.

Boost your skills

5-step guide to investing

New to investing? Read the beginner’s guide to get you started in five simple steps.

Beginner’s guide to investing

6 things to consider when trading

The six ‘need-to-know’ essentials when investing in a volatile stock market.

Learn more

Risk explained

When you understand risk, you can make more informed choices. Discover the different types of risk and how it affects your investments.

More about risk

Costs and charges

Take a look at our investment costs and charges and see how we compare to other providers.

Compare charges

Investment advice

Get expert advice from our partners at Schroders Personal Wealth. It all starts with a free, no obligation chat, then a financial plan that’s tailored to you.

Eligibility criteria applies. Fees and charges may apply.

Get expert advice

Your retirement

Whatever stage of life you’re at – nearing retirement, already retired or just starting to think about it – we can help you make the most of your pension options.

Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan, and when you decide to draw down on this. Remember, the value of your pensions can go up as well as down, and can fall below the amount(s) paid in.

Preparing to retire?

If you’re over 50 and thinking about retiring you might want to consider your options. We can help with the right resources to get you retirement ready.

Pension tips for the over 50s

Taking on your future

Expert pension guidance and resources from Scottish Widows. With over 200 years’ experience helping people prepare for their later years, you’re in safe hands.

Courtesy of our pension experts at Scottish Widows.

Start planning

Pension Calculators & Tools

Take a look at what your pension could look like. Calculate and compare your options using these tools.

Courtesy of our pension experts at Scottish Widows.

Pension CalculatorOpens in a new tab

Wealth Management


Whatever your plans, the right advice could help bring them to life. That’s why we’ve partnered with Schroders Personal Wealth, to give more of our customers access to wealth management and financial advice. A Schroders Personal Wealth Adviser will ask about your personal circumstances and aspirations, and develop a plan you can have confidence in.

Am I eligible?

You’ll need to have at least £100,000 of sole/joint savings, investments and/or personal pensions, and/or £100,000 of sole annual income.

Check eligibility

How much does it cost?

It all starts with a free, no-obligation consultation. You’ll only pay an agreed fee if you want to go ahead with the advice.

What you’ll pay

Pension planning

Plan for greater financial freedom in your retirement. Access expert advice to plan for your pension.

Pension advice

Investment management

Even in a volatile market with low interest rates Schroders Personal Wealth has the expertise to help you grow your wealth.

Get expert advice

Talk to an expert

Speak to a Schroders Personal Wealth adviser from the comfort of your own home. It’s easy to do via our online video chat or by phone. Book your free, no obligation appointment.

Book your appointment

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Schroders Personal Wealth is a trading name for Scottish Widows Schroder Personal Wealth Limited.

We may monitor or record telephone calls to check we have carried out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.