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Investment ISA

An easy way to start investing

We offer two ways to invest using an Investment ISA (also known as a stocks and shares ISA). Choose your own investments with Smart Investor, or let us make the decisions for you with Plan & Invest. Either way, invest up to £20,000 per year and any returns you make are tax-free1.

Start investing to make the most of those special times to come by using your new 2021-22 ISA allowance in an Investment ISA today. The sooner you begin, the sooner you could grow your money, tax efficiently.

Why consider an Investment ISA?

This is a popular account for those ready to start investing for the long-term (five years or more)

You won’t pay tax on the returns you make from your investments. You can find out more about other tax exemptions

You can withdraw cash from your ISA and pay it back in before the end of the tax year without it affecting your annual allowance.

Remember, the value of investments can fall as well as rise. You may not get back what you invest. On this page, we’ll help you to decide if an Investment ISA is right for you and how to open one. You won’t find tailored financial advice here so if you’re not sure about investing, seek independent advice. Tax rules can change and their effects on you will depend on your individual circumstances.

The main requirements to open a Barclays Investment ISA are that:

  • You’re over 18
  • You’re a UK tax resident
  • You aren’t a US person
  • You haven’t paid into a stocks and shares ISA (except a Lifetime ISA) with another provider this tax year.

Full details are in the FAQs below.

Choose your own investments (with a bit of help from us if you like)

I'd like some help

  • 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 need some inspiration

  • See the Funds List that our experts have put together and stay up to date with our latest thinking
  • 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

Let us choose for you

With Plan & Invest, our experts will select and manage your investments for you.

Find out more about Plan & Invest

How much will it cost?

Your fees will depend on what you choose to invest in, how often you invest and the value of your investments. Whatever combination of investments you choose, you’ll pay customer fees each month and transaction fees only when you buy or sell them.

Customer fees

This covers anything related to the running of your account and the safekeeping of your investments.

  • £4 per month min*

Or the sum of the following:

  • Funds – 0.2% p.a.*
  • Other investments 0.1% p.a.*

*Whichever calculation is higher based on the value of your investments. Customer fees are capped at £125 per month.

Online Transaction fees

In addition to Customer Fees, these are the fees you’ll pay every time you buy or sell an investment.**

  • Funds - £3 per online transaction
  • Other investments - £6 per online transaction

**All regular investments are £1 per transaction. Telephone transactions are £25 each.

We don’t charge:

Account set-up fees For inactivity For withdrawing cash

You might have to pay product fees, taxes and levies depending on the investments you choose. If you have a SIPP, additional charges will also apply.

Read more about our Smart Investor fees

The benefits of investing with Smart Investor

Invest on the go

Invest on the go if you’re a Barclays current account customer, you can buy and sell investments via the Barclays app. You can also see all your banking and investments on the app or in your online banking account.

Choose your own investments

Thousands of investments are available including our Ready-made Investments, funds, shares, gilts and bonds, Exchange Traded Funds (ETFs), Investment Trusts and IPOs.

Our Price Improver

Barclays Price ImproverTM gives you the best price available from our selected Retail Service Providers (RSPs) and trading venues every time you buy or sell shares, ETFs, Investment Trusts or Real Estate Investment Trusts (REITs) listed on the London Stock Exchange.2

Open a new Investment ISA or transfer an existing one

Open your new Investment ISA

If you already have a Barclays Investment Account or you use Online Banking with a current account, you can simply log in to apply. If you don’t have either of these, you can apply without logging in.

Transfer your existing ISA to us and we’ll refund your fees up to £500

If you have an ISA elsewhere, you can transfer it to us at any time.

Transferring does not affect the tax-efficient status of your ISA.3

Make sure that you don’t have to pay penalties or give up valuable benefits if you transfer– and understand the risks and drawbacks involved.

Terms apply.

You might be interested in

All ISA articles

An ISA may hold a variety of investments, and can build wealth over the long-term. You can find out more about ISAs here.

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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.

FAQs

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 36674