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Plan & Invest

Made-for-you investing, made easy

With experts who choose, nurture and adapt your investments to fit your needs.

Investments can fall and rise in value.

What is Plan & Invest

With interest rates so low, now is a great time to consider investing to make your money work harder.

And, if you don’t know where to start, or you simply don’t have the time to make your own investment portfolio, Plan & Invest could be right option for you.

Welcome to your Digital Wealth Manager, Plan & Invest, where you leave everything in the hands of our experts. They’ll create and manage an investment portfolio entirely tailored to you and your financial goals.

In the time it takes to make a lovely Bolognese, you could be on your way to getting a Personalised Investment Plan from Barclays Plan & Invest.

Spend half an hour or so answering some questions today, and we’ll help make your money work harder for years to come.

With Plan & Invest, it doesn’t matter what you know or don’t know because our experts take care of everything.

You’ll need at least £5,000 to get started and be looking for ways to make your money work harder than it would in a standard savings account – even if it means taking some risks.

Don’t worry, if your circumstances change, your investments can change too.

You can make one-off payments, set up automatic regular payments or sell your investments at any time.

Starting to sound like a good fit for you?

Well then, start your investment journey with us.

We just need to know about your goals.

Do you have a specific one in mind, or are you simply looking for ways to help your money grow over the long-term?

What do your income and outgoings look like?

Do you have any experience of investing?

(It doesn’t matter if you don’t).

And, how do you feel about risk?

Once we know all that, we can show you what sort of returns you could expect from your investments and provide you with a Personalised Investment Plan that could help you achieve them.

Though remember, the value of investments can fall as well as rise, so you could get back less than you invest.

If you’re unsure, please seek independent financial advice.

Ready to invest a little time to make your money work harder.

Let’s get started Search Barclays Plan & Invest.

Remember the value of investments can fall as well as rise. You may get back less than you invest. On this page we’ll help you understand if Plan & Invest is right for you and how it works. After reading this, if you’re not sure if this service is right for you, you should seek independent advice.

Why choose Plan & Invest?

Plan & Invest was created for people who want qualified experts to take a hands on approach with their investments, in a truly personalised way. If you’re not sure where to start, or don’t have the time to manage your own investments, Plan & Invest could be the right solution for you.

We take the time to get to know you

You tell us your goal and we’ll tell you how to achieve it. Spend 30 minutes telling us about yourself now and you’ll thank yourself later.

We’ll work out how much you can afford to invest, how much to keep in savings for a rainy day and show you what your investments could be worth in the future.

We treat you as an individual

Because we take the time to get to know you, you can be sure we’re doing what's best for you when we design your Investment Plan.

We won’t pigeon hole you like many other investment providers – we consider over 10,000 investment options when creating your plan to make sure it’s truly tailored to you.

Real people, not robots, oversee your investments

We’re different because although you access it digitally, Plan & Invest has real people managing your investments behind the scenes.

Our experts do use algorithms but they’re also the people who oversee your investments and their performance.

By your side, for years to come

Our team is only a phone-call away and we’re always happy to help.

Your plan adapts as your life changes, so at least once a year, we’ll check in with you to see if anything needs updating.

How does Plan & Invest work?

It takes about half an hour to complete our online questionnaire, but it’s saved for a month so you don’t have to do it in one go and can come back to it whenever you want. When you’re ready, you have three months to invest the minimum amount of £5,000. This can be done gradually – it doesn’t have to be paid in all at once.

1. Tell us about yourself

To get started, complete our questionnaire to help us understand your finances, how you feel about risk and why you want to invest.

We’ll use that information to create an Investment Plan for you to help you achieve your goal.

2. We’ll get you invested

Once you receive your Investment Plan, it’s only a few more clicks and we’ll set up your account and any regular payments.

We then make all the investment decisions for you – all you have to do is transfer or pay in to get started.

3. Leave it to us

We manage your investments including making any tweaks as markets go up and down.

You can keep an eye on what we’re doing whenever you want in online banking on the Barclays app.

Remember the value of investments can fall as well as rise. You may get back less than you invest.

Why is Plan & Invest right for me?

If these statements reflect what you’re looking for, Plan & Invest may be right for you.

I’m new to investing

  • Experts who do everything for you, making it easy to start investing with no experience
  • The potential for your money to grow by more than it would in cash over the longer term (five years or more)
  • Help preparing for the future, by getting into the habit of putting money away regularly.

I already have investments

  • A more personalised approach to investing that complements existing savings and investments
  • Experts who do everything for you so you don’t need to keep tabs on the financial markets or do your own research
  • Comfort knowing that your Investment Plan is created from more than 10,000 different investment options and is based on you and what you’re trying to achieve.

How much will it cost?

The costs are a combination of two fees, which are charged at the end of each month.

There is a service cost (0.95%) for managing your investment and a product cost (0.25-0.45%) applied by the fund manager depending on the investments within your Plan.

Before you open your account, we’ll show you exactly how much you can expect to pay

We won’t charge you to pay in or withdraw money, transfer or close your Plan

Charges are taken directly from your investments – so it’s all taken care of for you

Representative example

Based on the value of your account(s)

Account value Service cost per month
£5,000 (min. investment) £3.96 per month
£20,000 £15.83 per month
£100,000 £79.17 per month

Products costs are in addition to the service costs shown above.

Frequently asked questions

Things to think about

Investing is best suited for long-term goals. You should be willing to invest for a minimum of five years but you can access your money at any time if you need to

The minimum investment amount of £5,000 can be funded by cash or ISA transfer and you have 90 days to reach this amount. You should carefully consider the implications of transferring before doing so. You can find out more in our FAQs

Plan & Invest is only available to Barclays current account holders and you must be over 18, a UK tax resident and not a US person

Like to talk to us?

We’ve got lots of information in our FAQs but if you’d like to talk to someone, our UK-based team are just a phone call away. Call us on 0333 202 7533. Opening hours: Monday – Friday 09:00 – 17:00 (excluding UK bank holidays).

Call charges may apply. Please check with your service provider. To maintain a quality service, we may monitor or record phone calls.

Alternatively, you can book a call back to speak to one of our specialists about Plan & Invest.

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