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Smart Investor

How much are you sitting on?

Put your spare savings to work. Pay in to a Smart Investor account and you could win up to £10,000. T&Cs apply.

Investments can fall and rise in value.

Smart Investor is our DIY investment platform designed for both experienced and novice investors who want to manage their own portfolios.

We provide the tools, helpful insights and research resources, to help you take control and make your own investment decisions.

Through an Investment ISA, general Investment Account and/or a SIPP online you can gain access to thousands of investment options.

Why choose Smart Investor?

Competitive fees

We work hard to keep our fees as low as possible. The simplest way to pay them is to set up a Direct Debit.

Use our Research Centre

You can see real-time pricing, in-depth company information and the latest market movements to help you make smarter investment decisions.

It's easy to transfer to us

If you transfer an ISA or a SIPP, they will remain tax-efficient, but there are other things to consider before you transfer.

If you’re new to investing, understanding the benefits and drawbacks of cash savings vs investing is a great place to start.

The value of investments can fall as well as rise so you may not get back what you invest. On this page you’ll find information about Smart Investor and tips on how to get started. This is not tailored financial advice so if you’re not sure about investing, seek independent advice.

How does it work?

 One icon

Open your account(s)

 Two icon

Pay in or transfer

 Three icon

Choose your investments*

*We’ve got some ideas if you’re not sure where to start.

1. Open your account(s)

We’ve got three types of account.

Choose the one you want to start with – you can always open another one later on.

Investment 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

Any returns you make are tax free

Tax rules can change and their effects vary depending on your individual circumstances.

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

The return you make on your investments will be taxable

SIPP Account

Designed to help you prepare for retirement.

If you’re comfortable putting money away until you’re at least 55 and making your own investment decisions

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

You may have to pay tax when you come to withdraw money from your pension and tax rules can change in future. Their effects on you will depend on your individual circumstances.

2. Pay in or transfer

Make one-off or regular payments by Direct Debit

Pay in by card whenever suits you

Transfer existing investments – find out more below

Transferring ISAs and SIPPs doesn’t affect their tax-efficient status, but you should make sure that you don’t have to pay penalties or give up valuable benefits – make sure you understand the risks and drawbacks involved.

3. Choose your investments

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 and stay up to date with the latest news and our views
  • 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, equities and bonds
  • Use the tools and insights in our Research Centre to make your own investment decisions

Managing your account(s)

Trade and manage your money on the go

Manage your Smart Investor account(s) online or on the Barclays app where you can see your portfolio(s) and trade on the go.

If you have a Barclays current account, you can manage your investments alongside day-to-day spending, and trade on the go with the Barclays app.

Transparent pricing

There are no hidden charges. Our cost calculator enables you to see exactly what you will pay, with no unexpected fees.

We also go the extra mile on price. Every time you buy or sell, we’ll give you the best price available from our selected Retail Service Providers (RSPs). With the Barclays Price Improver, 92% of trades placed in 2020 got a better price than the quoted price on the London Stock Exchange, with the average customer return improved by £15 per deal.

You might be interested in

Market analysis

Looking for information about different markets and key asset classes? Our market analysis keeps you up to speed with all the latest developments in global markets, providing you with investing insight to help you make smarter investment decisions.

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Plan & Invest

Plan & Invest is a service which creates and manages a personalised Investment Plan just for you. Whether your long-term goal is your child’s university education, retirement or just building a nest egg, all you have to do is tell us a bit about yourself and then, if you’re ready to invest, let our experts select and manage your investments.

Barclays investment updates

Register to receive updates on the latest news and insights from our experts, plus information on all things Smart Investor and Plan & Invest.

Need some help?

Chat

Use our online chat service to discuss your query with a member of our team.

Call us

If you have any questions, you can give us a call on 0800 279 36671