Time is money

Smart Investor

Enjoy up to £1,000 cashback

If you have investments or cash elsewhere, you could earn up to £1,000 cashback if you request to transfer them to our Investment ISA or Investment Account by 30 August.

Terms and conditions apply. Check costs before transferring. Capital is at risk.

Investments can fall as well as rise so you might not get back what you invest. If you’re unsure which investments are right for you please seek independent advice. Tax rules can change and depend on your circumstances.

Why choose Smart Investor?

Smart Investor gives you the investment choice and research tools you need to help grow your money. Over 300,000 people have used our award-winning accounts, expert insights and resources to help work towards their financial goals.

  • Account choice – choose to invest through an Investment ISA, general Investment Account, and/or Self-Invested Personal Pension (SIPP)
  • Investment choice – over 8,000 different investments to choose from
  • Accessible – check your investments and trade anytime online or with the Barclays app
  • UK-based call centre – if you need any help or support our helpdesk is here for you.
  • Award-winning – ‘Best Stocks & Shares ISA Provider 2022’ at the Online Money Awards and ‘Best SIPP Provider 2022’ from the Shares Awards1

Our fees

No charge to open the account and a simple annual customer account fee of 0.25% on investments up to £200,000 and 0.05% on investments above £200,000.

Activity Cost
Buying and selling shares* £6 per deal**
Buying and selling funds No charge
Regular investments No charge
Dividend reinvestment No charge
Holding cash No charge
Transferring investments No charge
Cash withdrawal and account closure No charge

*Including ETFs, investment trusts, bonds, gilts

**Online dealing only. Taxes may apply when buying shares. A foreign exchange and an international brokerage fee will be charged when trading international shares.

Choose your account

We have three types of investment account. Choose one to start with and then you can always add another one later on.

Investment ISA

Otherwise know as a Stocks and Shares ISA, this is the most popular account people choose when they start to invest.

You can pay in up to £20,000 per tax year into our award winning ISA.1

Any returns you make are tax free and you can withdraw cash when you like.

Investment Account

A flexible account if you’ve already used your ISA allowance for the current tax year OR you’re already paying into an ISA with another provider.

No limits on the amount you can invest and you can withdraw your cash at any time.

SIPP Account

Our award winning Self-Invested Personal Pension (SIPP) designed to help you prepare for retirement.

Let us help you build your retirement pot and make your own investment decisions.

You may be eligible for tax relief on the money you pay in.

If you have investment accounts elsewhere, you can transfer them to us and benefit from having everything in one place. Transferring ISAs and SIPPs doesn’t affect their tax-efficient status and with any transfer, you should make sure that you don’t have to pay penalties or give up valuable benefits. Just let us know and we’ll manage the transfer for you.

Fund your account

You have three ways to fund your Smart Investor account. Choose the option that best suits you and get started in minutes with your very own Investment Account (GIA), Investment ISA, or SIPP.

  1. Setup a regular Direct Debit from your chosen UK Bank Account
  2. Top-up online or by phone using a UK Debit Card in your name
  3. Transfer in by moving money from your Barclays account

You can do this online or in our app if you have a Barclays current account. If you don’t have our app you can download it today.

Choose investments that suit you

I’d like some inspiration

  • Choose from one of our five Ready-made Investment funds based on the level of return you’re hoping for balanced against how you feel about taking investment risk
  • Put together by our team of investment professionals, who monitor them regularly to make sure they stay true to their objectives

I’d like to see the Barclays Funds List

  • See the Funds List that our experts have put together
  • Use funds to help balance your risk across different industries, geographic locations and investment types

I know what I’m doing

  • Choose from thousands of investments including funds, shares, gilts and bonds
  • Use the tools and insights in our Research Centre to make your own investment decisions

You might be interested in

A beginner's guide to investing

If you’re new to investing, read our guide to get you started on building your own portfolio.

Need some help?

Already have an account?

If you already have an account, log in to continue.

Call us

If you have any questions, you can give us a call on 0800 279 3667.2