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Investment ISA

An easy way to start investing

Also known as a stocks and shares ISA, an Investment ISA is a tax-efficient1, simple way to invest for your future. Invest up to £20,000 per year and the returns you make from your investments are tax-free.

Why consider an Investment ISA?

This is a common account people open when they’re 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 using your annual allowance but be aware that if you have to sell investments to do this after such a short time, you are very much at risk of incurring a loss.

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 personal 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 an ISA (except a Lifetime ISA) with another provider this tax year.

Full details are in the FAQs below.

Choose your investments

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

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 setup 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

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See everything through one login

If you’re already a Barclays customer, you’ll be able to see all your banking and investments in Online banking or through the Barclays App.

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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.

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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

Tax rules can change in future and their effects on you will depend on your individual circumstances, but you should make sure that you don’t have to pay penalties or give up valuable benefits – and that you're aware of all the risks and drawbacks involved in this.

Terms apply.

You might be interested in

Finding investments for my investment ISA

Building up your own investment portfolio in a stocks and shares Individual Savings Account (ISA) can be an exciting prospect. This essential guide will get you started.

Why are ISAs so popular?

Find out how Individual Savings Accounts (ISAs) work and understand the differences between cash, investment, innovative finance & lifetime ISAs.

What is an investment ISA?

Investing for the first time? An investment (or stocks and shares) Individual Savings Account (ISA) may be a great place to get started. Here’s why.

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.  

FAQs

  • It’s quick and easy to open an ISA online, and you’ll be able to see all your accounts, savings and investments in one place – simply log in if you already bank with us to get started.

    To be eligible to open an Investment (stocks and shares) ISA you’ll need to be over 18, a UK resident for tax purposes or a Crown employee serving overseas, or married to/in a civil partnership with a Crown employee serving overseas.

    If you’re new to Barclays, you can apply online. Once you’ve opened your ISA, you can manage it easily in Online Banking and on the Barclays app.

    Please read our terms and information on our fees – we’ll ask you to agree with these when you apply.

  • You can put up to £20,000 into an Investment ISA in the 2019-20 tax year.

    Alternatively, you can split your allowance between a cash, investment, or innovative finance ISA and lifetime ISA. However, with a lifetime ISA, you can only pay in up to £4,000 in each tax year.

  • You can hold funds, shares, gilts and bonds, Exchange Traded Funds (ETFs), Investment Trusts and new issues in your Investment ISA.

    If you want to invest this year’s £20,000 allowance, but haven’t decided yet where to put your money, you can hold cash in your Investment ISA until you’ve made up your mind.

Call us

If you have any questions, you can give us a call on 0800 279 36674